Financial Comparison: Atlantic Union Bankshares (NASDAQ:AUB) versus Triumph Financial (NASDAQ:TFIN)

Atlantic Union Bankshares (NASDAQ:AUBGet Free Report) and Triumph Financial (NASDAQ:TFINGet Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, profitability, institutional ownership, earnings, dividends, risk and analyst recommendations.

Risk & Volatility

Atlantic Union Bankshares has a beta of 0.94, suggesting that its stock price is 6% less volatile than the S&P 500. Comparatively, Triumph Financial has a beta of 1.18, suggesting that its stock price is 18% more volatile than the S&P 500.

Earnings & Valuation

This table compares Atlantic Union Bankshares and Triumph Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Atlantic Union Bankshares $1.05 billion 2.51 $201.82 million $2.54 13.72
Triumph Financial $472.59 million 3.82 $41.08 million $1.60 48.39

Atlantic Union Bankshares has higher revenue and earnings than Triumph Financial. Atlantic Union Bankshares is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Atlantic Union Bankshares and Triumph Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Atlantic Union Bankshares 19.31% 9.51% 1.13%
Triumph Financial 8.69% 5.14% 0.74%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Atlantic Union Bankshares and Triumph Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Atlantic Union Bankshares 0 1 2 0 2.67
Triumph Financial 2 5 0 0 1.71

Atlantic Union Bankshares currently has a consensus price target of $35.75, indicating a potential upside of 2.61%. Triumph Financial has a consensus price target of $62.67, indicating a potential downside of 19.07%. Given Atlantic Union Bankshares’ stronger consensus rating and higher probable upside, analysts plainly believe Atlantic Union Bankshares is more favorable than Triumph Financial.

Institutional & Insider Ownership

78.6% of Atlantic Union Bankshares shares are held by institutional investors. Comparatively, 91.1% of Triumph Financial shares are held by institutional investors. 0.9% of Atlantic Union Bankshares shares are held by company insiders. Comparatively, 6.2% of Triumph Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

Atlantic Union Bankshares beats Triumph Financial on 9 of the 14 factors compared between the two stocks.

About Atlantic Union Bankshares

(Get Free Report)

Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. It operates in two segments, Wholesale Banking and Consumer Banking. The company accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. It also provides loans for commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Glen Allen, Virginia.

About Triumph Financial

(Get Free Report)

Triumph Financial, Inc., a financial holding company, provides various payments, factoring, and banking services in the United States. It operates through Banking, Factoring, and Payments segments. The company offers deposit products, including checking, savings, money market and certificates of deposit; and loan products, such as commercial real estate, land, commercial construction and land development, residential real estate, commercial agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. It also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services, as well as payments services offered through TriumphPay platform, a payments network for the over-the-road trucking industry. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial Inc. in December 2022. Triumph Financial Inc. was incorporated in 2003 and is headquartered in Dallas, Texas.

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