Head-To-Head Comparison: SVB Financial Group (OTCMKTS:SIVBQ) & Atlantic Union Bankshares (NASDAQ:AUB)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Atlantic Union Bankshares	15.53%	8.50%	1.06%
SVB Financial Group	N/A	N/A	N/A

Insider and Institutional Ownership

78.6% of Atlantic Union Bankshares shares are held by institutional investors. Comparatively, 8.7% of SVB Financial Group shares are held by institutional investors. 0.9% of Atlantic Union Bankshares shares are held by company insiders. Comparatively, 0.6% of SVB Financial Group shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Atlantic Union Bankshares and SVB Financial Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Atlantic Union Bankshares	$1.21 billion	4.07	$209.13 million	$1.87	18.40
SVB Financial Group	$7.40 billion	0.00	$1.67 billion	N/A	N/A

SVB Financial Group has higher revenue and earnings than Atlantic Union Bankshares.

Analyst Ratings

This is a summary of current ratings and price targets for Atlantic Union Bankshares and SVB Financial Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Atlantic Union Bankshares	1	2	6	0	2.56
SVB Financial Group	0	0	0	0	0.00

Atlantic Union Bankshares presently has a consensus price target of $40.61, indicating a potential upside of 18.06%. Given Atlantic Union Bankshares’ stronger consensus rating and higher probable upside, equities research analysts clearly believe Atlantic Union Bankshares is more favorable than SVB Financial Group.

Volatility and Risk

Atlantic Union Bankshares has a beta of 0.85, indicating that its share price is 15% less volatile than the S&P 500. Comparatively, SVB Financial Group has a beta of 0.98, indicating that its share price is 2% less volatile than the S&P 500.

Summary

Atlantic Union Bankshares beats SVB Financial Group on 9 of the 12 factors compared between the two stocks.

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.

About SVB Financial Group

SVB Financial Group, a diversified financial services company, offers various banking and financial products and services. It operates through four segments: Silicon Valley Bank, SVB Private, SVB Capital, and SVB Securities. The Silicon Valley Bank segment provides commercial banking products and services, including credit, treasury management, foreign exchange, trade finance, and other financial products and services. This segment also offers traditional term, growth capital term, and equipment loans, asset-based loans, revolving lines of credit, warehouse facilities, recurring revenue and acquisition finance facilities, mezzanine lending, corporate working capital facilities, and credit card programs; treasury management products and services; business and analysis checking, money market, multi-currency, in-country bank, and sweep accounts; receivables services, which include merchant services, remote capture, lockbox, and fraud control services; wire transfer and automated clearing house payment services; business bill pay, credit and debit cards, account analysis, and disbursement services. In addition, it offers foreign exchange and trade finance products and services; letters of credit; and investment services and solutions. The SVB Private segment offers mortgages, home equity lines of credit, restricted and private stock loans, capital call lines of credit, and other secured and unsecured lending products; planning-based financial strategies, wealth management, family office, financial planning, tax planning, and trust services; and real estate secured loans. The SVB Capital segment provides venture capital investment services. The SVB Securities segment provides investment banking services; products and services, including capital raising, merger and acquisition advisory, equity research, and sales and trading. The company was founded in 1983 and is headquartered in Santa Clara, California. On March 17, 2023, SVB Financial Group, filed a voluntary petition for reorganization under Chapter 11 in the U.S. Bankruptcy Court for the Southern District of New York.