Atlantic Capital Bancshares
Market Cap
US$395.4m
Last Updated
2019/10/18 00:18 UTC
Data Sources
Company Financials +
Executive Summary
Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A.
Snowflake
Fundamentals
Flawless balance sheet with proven track record.
Similar Companies
Share Price & News
How has Atlantic Capital Bancshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
1.4%
ACBI
3.7%
US Banks
1.8%
US Market
1 Year Return
10.4%
ACBI
1.9%
US Banks
7.3%
US Market
Return vs Industry: ACBI exceeded the US Banks industry which returned 1.9% over the past year.
Return vs Market: ACBI exceeded the US Market which returned 7.3% over the past year.
Shareholder returns
| ACBI | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.4% | 3.7% | 1.8% |
| 30 Day | -4.7% | 0.2% | -0.7% |
| 90 Day | 1.2% | 2.5% | 0.06% |
| 1 Year | 10.4%10.4% | 4.9%1.9% | 9.7%7.3% |
| 3 Year | 15.2%15.2% | 51.7%41.2% | 46.3%36.9% |
| 5 Year | n/a | 69.7%51.2% | 64.5%46.5% |
Price Volatility Vs. Market
How volatile is Atlantic Capital Bancshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
At US$17.70, Is It Time To Put Atlantic Capital Bancshares, Inc. (NASDAQ:ACBI) On Your Watch List?1 month ago | Simply Wall St
Does Atlantic Capital Bancshares, Inc.'s (NASDAQ:ACBI) CEO Pay Reflect Performance?1 month ago | Simply Wall St
One Thing To Remember About The Atlantic Capital Bancshares, Inc. (NASDAQ:ACBI) Share PriceValuation
Is Atlantic Capital Bancshares undervalued compared to its fair value and its price relative to the market?
15.59x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Undervalued: Insufficient data to calculate ACBI's fair value to establish if it is undervalued.
Significantly Undervalued: Insufficient data to calculate ACBI's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: ACBI is poor value based on its PE Ratio (15.6x) compared to the Banks industry average (12.6x).
PE vs Market: ACBI is good value based on its PE Ratio (15.6x) compared to the US market (17.7x).
Price to Earnings Growth Ratio
Low PEG Ratio: ACBI's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: ACBI is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Atlantic Capital Bancshares forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
-13.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACBI's earnings are forecast to decline over the next 3 years (-13.2% per year).
Earnings vs Market: ACBI's earnings are forecast to decline over the next 3 years (-13.2% per year).
High Growth Earnings: ACBI's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ACBI's revenue (8.3% per year) is forecast to grow faster than the US market (7.3% per year).
High Growth Revenue: ACBI's revenue (8.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: ACBI's Return on Equity is forecast to be low in 3 years time (7.9%).
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Past Performance
How has Atlantic Capital Bancshares performed over the past 5 years?
33.9%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: ACBI's earnings have grown significantly by 33.9% per year over the past 5 years.
Accelerating Growth: ACBI's earnings growth over the past year (2127.3%) exceeds its 5-year average (33.9% per year).
Earnings vs Industry: ACBI earnings growth over the past year (2127.3%) exceeded the Banks industry 30.5%.
Return on Equity
High ROE: ACBI's Return on Equity (8.3%) is considered low.
Return on Assets
ROA vs Industry: ACBI has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate ACBI's Return on Capital Employed to determine if it has improved over the past 3 years.
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Financial Health
How is Atlantic Capital Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: ACBI has a low level of unsold assets or inventory.
Debt Coverage by Assets: ACBI's debt is not covered by short term assets (assets are 0.5x debt).
Financial Institutions Analysis
Asset Level: ACBI's level of assets compared to its equity is low.
Allowance for Bad Loans: ACBI has a sufficient allowance for bad loans.
Low Risk Liabilities: ACBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: ACBI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: ACBI's loans are broadly funded by customer deposits.
Level of Bad Loans: ACBI has an appropriate level of bad loans (0.35%)
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Dividend
What is Atlantic Capital Bancshares's current dividend yield, its reliability and sustainability?
0.97%
Forecast Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: Unable to evaluate ACBI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate ACBI's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stable Dividend: Insufficient data to determine if ACBI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ACBI's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ACBI's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
What is the CEO of Atlantic Capital Bancshares's salary, the management and board of directors tenure and is there insider trading?
4.0yrs
Average management tenure
CEO
Doug Williams (61yo)
13yrs
Tenure
US$1,305,646
Compensation
Mr. Douglas L. Williams is the President, Chief Executive Officer and a Director of Atlantic Capital Bank, National Association and its holding company, Atlantic Capital Bancshares, Inc. He has over 38 yea ...
CEO Compensation Analysis
Compensation vs. Market: Doug's total compensation ($USD1.31M) is about average for companies of similar size in the US market ($USD1.79M).
Compensation vs Earnings: Doug's compensation has increased by more than 20% in the past year.
Management Age and Tenure
4.0yrs
Average Tenure
54yo
Average Age
Experienced Management: ACBI's management team is considered experienced (4 years average tenure).
Board Age and Tenure
6.3yrs
Average Tenure
61yo
Average Age
Experienced Board: ACBI's board of directors are considered experienced (6.3 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Lead Director Lead Independent Director |
| Shares | 2,000 |
| Max Price | US$16.88 |
Ownership Breakdown
Management Team
Rich Oglesby (54yo)
Executive VP & General Banking Division Executive
- Tenure: 13yrs
- Compensation: US$805.28k
Doug Williams (61yo)
President
- Tenure: 13yrs
- Compensation: US$1.31m
Kurt Shreiner (54yo)
Executive Vice President of Corporate Financial Services
- Tenure: 0yrs
Patrick Oakes (50yo)
Executive VP
- Tenure: 4yrs
- Compensation: US$819.67k
Ashley Carson
Executive Vice President of Corporate & Community Affairs
- Tenure: 0yrs
Annette Rollins (60yo)
Executive VP & Chief Human Resources Officer
- Tenure: 0yrs
Gary Fleming (48yo)
Executive VP & Chief Risk Officer
- Tenure: 2yrs
Robert Bugbee (53yo)
Executive VP & Chief Credit Officer
- Tenure: 2yrs
Mark Robertson
Executive Vice President of Operations & Information Technology
- Tenure: 0yrs
Board Members
Sonny Deriso (72yo)
Non-Executive Chairman
- Tenure: 13yrs
- Compensation: US$125.00k
Jim Graves (70yo)
Independent Director
- Tenure: 2.1yrs
- Compensation: US$50.00k
Charlie Shufeldt (68yo)
Lead Independent Director
- Tenure: 0yrs
- Compensation: US$56.50k
Lizanne Thomas (61yo)
Independent Director
- Tenure: 3.9yrs
- Compensation: US$55.00k
Martie Zakas (60yo)
Independent Director
- Tenure: 8.6yrs
- Compensation: US$57.00k
Doug Williams (61yo)
President
- Tenure: 13yrs
- Compensation: US$1.31m
Doug Hertz (66yo)
Independent Director
- Tenure: 8.6yrs
- Compensation: US$56.50k
Henchy Enden (47yo)
Independent Director
- Tenure: 4yrs
- Compensation: US$50.00k
Shan Cooper (51yo)
Independent Director
- Tenure: 0.7yrs
Company Information
Atlantic Capital Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Atlantic Capital Bancshares, Inc.
- Ticker: ACBI
- Exchange: NasdaqGS
- Founded: 2006
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$395.352m
- Shares outstanding: 22.88m
- Website: https://www.atlanticcapitalbank.com
Number of Employees
Location
- Atlantic Capital Bancshares, Inc.
- 945 East Paces Ferry Road NE
- Suite 1600
- Atlanta
- Georgia
- 30326
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| ACBI | NasdaqGS (Nasdaq Global Select) | Yes | Common Shares | US | USD | Nov 2015 |
Biography
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. ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/18 00:18 |
| End of Day Share Price | 2019/10/17 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.