Head-To-Head Analysis: Atlantic Union Bankshares (NASDAQ:AUB) versus Suncrest Bank (OTCMKTS:SBKK)

Suncrest Bank (OTCMKTS:SBKK) and Atlantic Union Bankshares (NASDAQ:AUB) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, analyst recommendations, profitability, risk, valuation, institutional ownership and dividends.

Analyst Recommendations

This is a summary of current recommendations and price targets for Suncrest Bank and Atlantic Union Bankshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Suncrest Bank	0	0	0	0	0.00
Atlantic Union Bankshares	1	1	6	1	2.78

Atlantic Union Bankshares has a consensus price target of $40.61, indicating a potential upside of 23.50%. Given Atlantic Union Bankshares’ stronger consensus rating and higher probable upside, analysts clearly believe Atlantic Union Bankshares is more favorable than Suncrest Bank.

Volatility & Risk

Suncrest Bank has a beta of 0.88, indicating that its share price is 12% less volatile than the S&P 500. Comparatively, Atlantic Union Bankshares has a beta of 0.93, indicating that its share price is 7% less volatile than the S&P 500.

Earnings and Valuation

This table compares Suncrest Bank and Atlantic Union Bankshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Suncrest Bank	$46.73 million	4.92	$16.96 million	$1.37	13.56
Atlantic Union Bankshares	$1.21 billion	3.89	$209.13 million	$1.87	17.59

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

Institutional and Insider Ownership

5.9% of Suncrest Bank shares are held by institutional investors. Comparatively, 78.6% of Atlantic Union Bankshares shares are held by institutional investors. 0.9% of Atlantic Union Bankshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Suncrest Bank and Atlantic Union Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Suncrest Bank	N/A	N/A	N/A
Atlantic Union Bankshares	15.53%	8.50%	1.06%

Summary

Atlantic Union Bankshares beats Suncrest Bank on 14 of the 15 factors compared between the two stocks.

About Suncrest Bank

Suncrest Bank engages in the provision of personal and commercial banking services. It provides checking, savings and certificates of deposits, lending, cash management, online and mobile banking, e-statements, remote deposit capture, financial calculators, and customer service center. It also offers agricultural real estate loans, production finance, equipment financing and leasing, development loans, long-term fixed rate, SBA and USDA loans, valley small business guaranteed loans, USDA B&I loans, farmer mac loans, and cal-cap loans. The company was founded on May 19, 2008 and is headquartered in Visalia, CA.

About Atlantic Union Bankshares

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.