Demonstrações financeiras detalhadas de Atlantic Union Bankshares Corporation (AUB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Atlantic Union Bankshares Corporation registou receitas de $2.03B no último exercício, com um CAGR de 5 anos de 21.0%. O lucro líquido atingiu $273.7M, com CAGR de 5 anos de 11.6%.
Margens dos últimos 12 meses: margem bruta 67.9%, margem operacional 27.9%, margem líquida 22.0%. O fluxo de caixa livre cresceu a CAGR de -15.8% em 5 anos.
Ao preço atual de $39.14, AUB negocia a um P/L de 11.88 e um ROE de 9.68%. A capitalização de mercado é de $5.6B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $353.6M | $391.5M | $613.1M | $832.1M | $784.9M | $711.2M | $779.0M | $1.05B | $1.35B | $2.03B |
| Custo da Receita | $38.7M | $60.8M | $115.8M | $182.6M | $185.3M | -$19.8M | $95.2M | $375.1M | $579.1M | $808.4M |
| Lucro Bruto | $314.9M | $330.6M | $497.2M | $649.6M | $599.6M | $731.0M | $683.8M | $670.3M | $767.3M | $1.23B |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $150.4M | $152.7M | $194.5M | $237.5M | $226.5M | $234.3M | $248.4M | $266.9M | $303.5M | $451.0M |
| Despesas Operacionais | $213.1M | $225.7M | $317.8M | $418.3M | $413.3M | $412.2M | $403.8M | $430.4M | $507.5M | $888.9M |
| Lucro Operacional | $101.8M | $105.0M | $179.4M | $231.3M | $186.3M | $318.8M | $280.0M | $239.9M | $259.8M | $337.0M |
| EBITDA | $125.6M | $130.2M | $205.8M | $271.2M | $229.4M | $369.5M | $325.4M | $280.9M | $295.1M | $381.1M |
| Despesas com Juros | $29.8M | $50.0M | $102.1M | $161.5M | $98.2M | $41.1M | $76.2M | $343.4M | $529.0M | $666.6M |
| Lucro Antes de Impostos | $101.8M | $105.0M | $179.4M | $231.3M | $186.3M | $318.8M | $280.0M | $239.9M | $259.8M | $337.0M |
| Imposto | $25.9M | $32.8M | $30.0M | $37.6M | $28.1M | $54.8M | $45.4M | $38.1M | $50.7M | $63.3M |
| Lucro Líquido | $77.5M | $72.9M | $146.2M | $193.5M | $158.2M | $263.9M | $234.5M | $201.8M | $209.1M | $273.7M |
| LPA | $1.77 | $1.67 | $2.22 | $2.41 | $1.93 | $3.26 | $2.97 | $2.53 | $2.29 | $2.03 |
| LPA Diluído | $1.77 | $1.67 | $2.22 | $2.41 | $1.93 | $3.26 | $2.97 | $2.53 | $2.24 | $2.03 |
| Ações em Circulação (Diluídas) | $43.9M | $43.8M | $65.9M | $80.3M | $78.9M | $77.4M | $75.0M | $75.0M | $87.9M | $129.2M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $178.8M | $198.9M | $261.0M | $397.9M | $491.3M | $799.7M | $318.5M | $364.4M | $350.1M | $234.3M |
| Investimentos de Curto Prazo | $946.8M | $974.2M | $1.77B | $1.95B | $2.54B | $3.48B | $2.74B | $2.23B | $2.44B | $4.19B |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.13B | $1.17B | $2.04B | $2.34B | $3.03B | $4.28B | $3.06B | $2.60B | $2.79B | $4.43B |
| Imobilizado | $122.0M | $119.6M | $147.0M | $161.1M | $163.8M | $134.8M | $118.2M | $91.0M | $112.7M | $166.8M |
| Ágio | $298.2M | $298.5M | $727.2M | $935.6M | $935.6M | $935.6M | $925.2M | $925.2M | $1.21B | $1.73B |
| Ativos Intangíveis | $20.6M | $14.8M | $48.7M | $73.7M | $57.2M | $43.3M | $26.8M | $19.2M | $84.6M | $315.5M |
| Ativos Totais | $8.43B | $9.32B | $13.77B | $17.56B | $19.63B | $20.06B | $20.46B | $21.17B | $24.59B | $37.59B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $576.8M | $794.2M | $1.09B | $436.3M | $350.9M | $117.9M | $1.32B | $920.8M | $116.3M | $725.4M |
| Passivos Circulantes | $6.96B | $7.79B | $11.06B | $13.74B | $16.07B | $16.73B | $17.25B | $17.74B | $20.51B | $650.0M |
| Dívida de Longo Prazo | $413.3M | $425.3M | $668.5M | $1.08B | $489.8M | $388.7M | $389.9M | $391.0M | $418.3M | $771.9M |
| Passivos Totais | $7.43B | $8.27B | $11.84B | $15.05B | $16.92B | $17.35B | $18.09B | $18.61B | $21.44B | $32.58B |
| Reservas | $341.9M | $379.5M | $467.3M | $581.4M | $616.1M | $783.8M | $919.5M | $1.02B | $1.10B | $1.18B |
| Patrimônio Líquido | $1.00B | $1.05B | $1.92B | $2.51B | $2.71B | $2.71B | $2.37B | $2.56B | $3.14B | $5.01B |
| Dívida Total | $990.1M | $1.22B | $1.76B | $1.51B | $840.7M | $506.6M | $1.71B | $1.31B | $534.6M | $1.50B |
| Dívida Líquida | -$135.5M | $46.3M | -$279.5M | -$829.6M | -$2.19B | -$3.77B | -$1.35B | -$1.28B | -$2.26B | -$2.93B |
| Capital de Giro | -$5.83B | -$6.61B | -$9.02B | -$11.40B | -$13.04B | -$12.45B | -$14.19B | -$15.14B | -$17.72B | $3.78B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $77.5M | $72.9M | $146.2M | $193.5M | $158.2M | $263.9M | $234.5M | $201.8M | $209.1M | $273.7M |
| Depreciação e Amortização | $23.8M | $25.2M | $26.3M | $40.0M | $43.1M | $50.7M | $45.4M | $41.0M | $35.3M | 0 |
| Compensação em Ações | $3.3M | $4.6M | $6.1M | $8.3M | $9.3M | $10.1M | $10.6M | $11.1M | 0 | 0 |
| Variação Capital de Giro | -$17.2M | -$4.6M | $38.1M | -$46.0M | -$34.3M | -$52.4M | $96.0M | -$1.3M | $11.5M | -$22.2M |
| Fluxo de Caixa Operacional | $93.8M | $110.3M | $216.8M | $194.8M | $231.9M | $337.8M | $419.7M | $278.0M | $308.5M | $97.8M |
| CapEx | -$6.3M | -$9.3M | 0 | -$15.9M | -$29.6M | -$9.4M | -$2.9M | -$5.1M | -$7.4M | -$12.4M |
| Aquisições | -$3.9M | $4.8M | $160.2M | $46.2M | 0 | 0 | 0 | 0 | $55.0M | $270.2M |
| Recompra de Ações | -$33.2M | 0 | 0 | -$80.3M | -$49.9M | -$125.0M | -$48.2M | 0 | 0 | 0 |
| Dividendos Pagos | -$33.7M | -$35.4M | -$58.0M | -$78.3M | -$84.5M | -$96.2M | -$98.8M | -$103.3M | -$123.9M | -$192.1M |
| Fluxo de Caixa Livre | $87.5M | $101.1M | $216.8M | $178.9M | $202.3M | $328.4M | $416.8M | $272.9M | $301.1M | $85.4M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +10.7% | +56.6% | +35.7% | -5.7% | -9.4% | +9.5% | +34.2% | +28.8% | +51.1% | |
| Crescimento Lucro Líquido (anual) | -5.9% | +100.6% | +32.3% | -18.2% | +66.8% | -11.1% | -13.9% | +3.6% | +30.9% | |
| Crescimento LPA (anual) | -5.6% | +32.9% | +8.6% | -19.9% | +68.9% | -8.9% | -14.8% | -9.5% | -11.4% | |
| Variação de Ações (anual) | -0.3% | +50.5% | +21.8% | -1.7% | -1.8% | -3.2% | +0.0% | +17.3% | +46.9% | |
| Crescimento FCF (anual) | +15.5% | +114.5% | -17.5% | +13.1% | +62.3% | +26.9% | -34.5% | +10.3% | -71.6% | |
| Margem Bruta | 89.1% | 84.5% | 81.1% | 78.1% | 76.4% | 102.8% | 87.8% | 64.1% | 57.0% | 60.3% |
| Margem Operacional | 28.8% | 26.8% | 29.3% | 27.8% | 23.7% | 44.8% | 35.9% | 22.9% | 19.3% | 16.6% |
| Margem EBITDA | 35.5% | 33.3% | 33.6% | 32.6% | 29.2% | 52.0% | 41.8% | 26.9% | 21.9% | 18.7% |
| Margem Líquida | 21.9% | 18.6% | 23.9% | 23.3% | 20.2% | 37.1% | 30.1% | 19.3% | 15.5% | 13.5% |
| Margem FCF | 24.7% | 25.8% | 35.4% | 21.5% | 25.8% | 46.2% | 53.5% | 26.1% | 22.4% | 4.2% |
| Taxa Efetiva de Imposto | 25.5% | 31.2% | 16.7% | 16.2% | 15.1% | 17.2% | 16.2% | 15.9% | 19.5% | 18.8% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $1.99 | $2.31 | $3.29 | $2.23 | $2.57 | $4.24 | $5.56 | $3.64 | $3.42 | $0.66 |
| Dividendo por Ação | $0.77 | $0.81 | $0.88 | $0.98 | $1.07 | $1.24 | $1.32 | $1.38 | $1.41 | $1.49 |
| Ações em Circulação (Básicas) | $43.8M | $43.7M | $65.9M | $80.2M | $78.9M | $77.4M | $74.9M | $75.0M | $86.1M | $128.8M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 9.68% |
| Retorno sobre capital investido | 6.52% |
| Retorno sobre ativos | 1.28% |
| Margem bruta | 67.89% |
| Margem operacional | 27.92% |
| Margem líquida | 22.04% |
Saúde financeira
| Dívida / Patrimônio | 0.33 |
| Liquidez corrente | 0.03 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 0.33 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 20.19 | 21.66 | 12.72 | 15.58 | 17.07 | 11.44 | 11.83 | 14.44 | 16.54 | 17.39 |
| P/VP | 1.56 | 1.51 | 0.97 | 1.20 | 0.96 | 1.07 | 1.11 | 1.07 | 1.04 | 0.91 |
| P/V | 4.43 | 4.04 | 3.03 | 3.62 | 3.31 | 4.06 | 3.38 | 2.62 | 2.42 | 2.23 |
| Margem Bruta | 89.1% | 84.5% | 81.1% | 78.1% | 76.4% | 102.8% | 87.8% | 64.1% | 57.0% | 60.3% |
| Margem Operacional | 28.8% | 26.8% | 29.3% | 27.8% | 23.7% | 44.8% | 35.9% | 22.9% | 19.3% | 16.6% |
| Margem Líquida | 21.9% | 18.6% | 23.9% | 23.3% | 20.2% | 37.1% | 30.1% | 19.3% | 15.5% | 13.5% |
Empresas relacionadas: ABCB · AVAL · AX · FFIN · FLG · GBCI · HWC
Explorar setor: Financial Services · Banks - Regional
Mais seções de AUB: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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