Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A.
Flawless balance sheet and good value.
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
Stable Share Price: ACBI's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ACBI underperformed the US Banks industry which returned -26.4% over the past year.
Return vs Market: ACBI underperformed the US Market which returned -10.4% over the past year.
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
1 month ago | Simply Wall StIs It Too Late To Consider Buying Atlantic Capital Bancshares, Inc. (NASDAQ:ACBI)?
3 months ago | Simply Wall StIs Atlantic Capital Bancshares, Inc.'s (NASDAQ:ACBI) CEO Salary Justified?
3 months ago | Simply Wall StHow Does Investing In Atlantic Capital Bancshares, Inc. (NASDAQ:ACBI) Impact The Volatility Of Your Portfolio?
Is Atlantic Capital Bancshares undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ACBI ($12.15) is trading below our estimate of fair value ($20.24)
Significantly Below Fair Value: ACBI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ACBI is poor value based on its PE Ratio (10.1x) compared to the Banks industry average (8.9x).
PE vs Market: ACBI is good value based on its PE Ratio (10.1x) compared to the US market (13.1x).
Price to Earnings Growth Ratio
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 good value based on its PB Ratio (0.8x) compared to the US Banks industry average (0.8x).
How is Atlantic Capital Bancshares forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
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 (-6.7% per year).
Earnings vs Market: ACBI's earnings are forecast to decline over the next 3 years (-6.7% per year).
High Growth Earnings: ACBI's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ACBI's revenue (6.9% per year) is forecast to grow slower than the US market (7.2% per year).
High Growth Revenue: ACBI's revenue (6.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ACBI's Return on Equity is forecast to be low in 3 years time (7.2%).
How has Atlantic Capital Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ACBI has high quality earnings.
Growing Profit Margin: ACBI's current net profit margins (31.7%) are lower than last year (33.3%).
Past Earnings Growth Analysis
Earnings Trend: ACBI's earnings have grown significantly by 38% per year over the past 5 years.
Accelerating Growth: ACBI's earnings growth over the past year (0.4%) is below its 5-year average (38% per year).
Earnings vs Industry: ACBI earnings growth over the past year (0.4%) underperformed the Banks industry 10.9%.
Return on Equity
High ROE: ACBI's Return on Equity (8.6%) is considered low.
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
Inventory Level: ACBI has a low level of unsold assets or inventory.
Debt Coverage by Assets: ACBI's debt is covered by short term assets (assets are 8.8x 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 (0.39%)
What is Atlantic Capital Bancshares's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
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.
Stability and Growth of Payments
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Doug Williams (61yo)
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. From July 2003 ...
CEO Compensation Analysis
Compensation vs Market: Doug's total compensation ($USD1.31M) is about average for companies of similar size in the US market ($USD1.49M).
Compensation vs Earnings: Doug's compensation has increased by more than 20% in the past year.
|Executive VP||4.5yrs||US$819.67k||0.11% $292.6k|
|President of Atlanta Division||13.5yrs||US$805.28k||0.25% $629.2k|
|Executive Vice President of Operations & Information Technology||no data||no data||no data|
|Executive VP & Chief Human Resources Officer||no data||no data||0.038% $96.6k|
|President of Corporate Financial Services Division||no data||no data||0.31% $795.4k|
|Executive VP & Chief Risk Officer||2.5yrs||no data||0.12% $310.8k|
|Executive VP & Chief Credit Officer||2.5yrs||no data||0.20% $521.9k|
|Executive Vice President of Corporate & Community Affairs||no data||no data||no data|
Experienced Management: ACBI's management team is considered experienced (4.4 years average tenure).
|Non-Executive Chairman||13.5yrs||US$125.00k||0.81% $2.1m|
|Independent Director||2.58yrs||US$50.00k||0.084% $215.3k|
|Lead Independent Director||no data||US$56.50k||0.076% $195.6k|
|Independent Director||4.42yrs||US$55.00k||0.024% $60.7k|
|Independent Director||9.08yrs||US$57.00k||0.056% $142.3k|
|Independent Director||9.08yrs||US$56.50k||0.058% $147.4k|
|Independent Director||4.5yrs||US$50.00k||0.034% $86.0k|
|Independent Director||1.17yrs||no data||0.0083% $21.3k|
|Director||0.083yr||no data||0.12% $299.7k|
Experienced Board: ACBI's board of directors are considered experienced (6.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ACBI insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Atlantic Capital Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Atlantic Capital Bancshares, Inc.
- Ticker: ACBI
- Exchange: NasdaqGS
- Founded: 2006
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$256.277m
- Shares outstanding: 21.59m
- Website: https://www.atlanticcapitalbank.com
Number of Employees
- Atlantic Capital Bancshares, Inc.
- 945 East Paces Ferry Road NE
- Suite 1600
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ACBI||NasdaqGS (Nasdaq Global Select)||Yes||Common Shares||US||USD||Nov 2015|
|41K||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||Nov 2015|
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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/01 03:33|
|End of Day Share Price||2020/03/31 00:00|
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.