ACBI:NSD-Atlantic Capital Bancshares, Inc (USD)

COMMON STOCK | Banks—Regional | NSD

Last Closing Price

USD 11.87

Change

-0.28 (-2.30)%

Market Cap

USD 0.25B

Volume

0.12M

Average Target Price

USD 20.00 (+68.49%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A. that provides banking products and services in the Metropolitan Atlanta and rest of the United States. The company offers non-interest and interest bearing demand, savings and money market, time, and brokered deposits; and NOW accounts. It also provides working capital and equipment loans, loans supported by owner-occupied real estate, revolving lines of credit, term loans, and letters of credit; secured installment and term loans, and home equity lines of credit; and commercial real estate loans, including secured construction loans, secured mini-permanent loans, and secured or unsecured lines of credit. In addition, the company offers cash and treasury management, capital market, payment processing, specialty commercial lending, small business administration and franchise lending, payroll, electronic payment, and online and mobile banking services. It serves small and mid-sized businesses, franchisees, commercial enterprises, not for profit institutions, institutional caliber commercial real estate developers and investors, public real estate investment trusts and other commercial real estate clients, and individuals and professional services businesses. The company primarily operates a loan production office Athens, Georgia; and 16 additional locations located in Fulton, Whitfield, and Oconee County, Georgia, as well as Hamilton, Union, Jefferson, Knox, and Loudon County, Tennessee. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-03-31 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
FITBI Fifth Third Bancorp

+0.57 (+2.28%)

USD17.50B 7.51 N/A
FITB Fifth Third Bancorp

-1.02 (-6.43%)

USD12.20B 5.15 N/A
HBAN Huntington Bancshares Incorpor..

-0.17 (-2.03%)

USD8.49B 6.54 N/A
SIVB SVB Financial Group

-4.70 (-3.02%)

USD7.79B 6.95 N/A
CBSHP Commerce Bancshares, Inc

+0.27 (+1.08%)

USD6.12B 7.01 N/A
CBSH Commerce Bancshares, Inc

-0.07 (-0.14%)

USD5.65B 14.09 N/A
PBCTP People's United Financial, Inc

+0.01 (+0.04%)

USD5.61B 18.20 N/A
PBCT People's United Financial, Inc

-0.46 (-4.00%)

USD4.79B 8.70 N/A
ZION Zions Bancorporation, National..

-0.76 (-2.76%)

USD4.52B 6.63 N/A
SBNY Signature Bank

-2.63 (-3.17%)

USD4.29B 7.40 N/A

ETFs Containing ACBI

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -35.31% 45% F 35% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -35.31% 43% F 34% F
Trailing 12 Months  
Capital Gain -34.06% 28% F 41% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -34.06% 23% F 39% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 6.40% 36% F 58% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 6.40% 27% F 53% F
Risk Return Profile  
Volatility (Standard Deviation) 16.31% 66% D 76% C
Risk Adjusted Return 39.27% 28% F 59% F
Market Capitalization 0.25B 51% F 53% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 5.49 93% A 87% B+
Price/Book Ratio 0.78 54% F 71% C-
Price / Cash Flow Ratio 3.05 88% B+ 48% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.66% 32% F 65% D
Return on Invested Capital 7.57% 50% F 66% D
Return on Assets 0.96% 32% F 52% F
Debt to Equity Ratio 15.28% 67% D+ 70% C-
Technical Ratios  
Short Ratio 4.02 32% F 35% F
Short Percent 1.72% 33% F 67% D+
Beta 0.90 40% F 56% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.