Comparing U.S.A Bank (OTCMKTS:USBK) & Atlantic Union Bankshares (NASDAQ:AUB)

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

Volatility & Risk

U.S.A Bank has a beta of -24.99, indicating that its stock price is 2,599% less volatile than the S&P 500. Comparatively, Atlantic Union Bankshares has a beta of 0.92, indicating that its stock price is 8% less volatile than the S&P 500.

Earnings and Valuation

This table compares U.S.A Bank and Atlantic Union Bankshares’ top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
U.S.A Bank	N/A	N/A	N/A	N/A	N/A
Atlantic Union Bankshares	$706.81 million	4.17	$201.82 million	$2.72	12.08

Atlantic Union Bankshares has higher revenue and earnings than U.S.A Bank.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
U.S.A Bank	N/A	N/A	N/A
Atlantic Union Bankshares	19.51%	9.47%	1.12%

Analyst Ratings

This is a breakdown of current recommendations and price targets for U.S.A Bank and Atlantic Union Bankshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
U.S.A Bank	0	0	0	0	N/A
Atlantic Union Bankshares	0	1	3	0	2.75

Atlantic Union Bankshares has a consensus target price of $38.00, indicating a potential upside of 15.68%. Given Atlantic Union Bankshares’ higher possible upside, analysts clearly believe Atlantic Union Bankshares is more favorable than U.S.A Bank.

Institutional & Insider Ownership

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

Summary

Atlantic Union Bankshares beats U.S.A Bank on 9 of the 9 factors compared between the two stocks.

About U.S.A Bank

As of July 10, 2010, U.S.A Bank was acquired by Customers Bank (Phoenixville, Pennsylvania). U.S.A Bank operates as a community bank in New York. It offers deposit products, Internet banking, ATM cards, consumer loans, and residential and commercial loans. U.S.A Bank was founded in 2005 and is based in Port Chester, New York.

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.