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AUB vs MCY

AUB
Atlantic Union Bankshares Corporation
BULLISH
Price
$37.22
Market Cap
$5.32B
Sector
Financial Services
AI Confidence
75%
MCY
Mercury General Corporation
BULLISH
Price
$95.65
Market Cap
$5.3B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AUB
15.91
MCY
9.79
Forward P/E
AUB
9.28
MCY
11.96
P/B Ratio
AUB
1.05
MCY
2.19
P/S Ratio
AUB
4.32
MCY
0.88
EV/EBITDA
AUB
--
MCY
5.54

Profitability

Gross Margin
AUB
0.0%
MCY
18.63%
Operating Margin
AUB
53.36%
MCY
16.66%
Profit Margin
AUB
22.21%
MCY
9.03%
ROE
AUB
6.72%
MCY
24.8%
ROA
AUB
0.88%
MCY
4.82%

Growth

Revenue Growth
AUB
91.5%
MCY
14.1%
Earnings Growth
AUB
29.8%
MCY
100.9%

Financial Health

Debt/Equity
AUB
--
MCY
0.24
Current Ratio
AUB
--
MCY
0.56
Quick Ratio
AUB
--
MCY
0.52

Dividends

Dividend Yield
AUB
3.78%
MCY
1.33%
Payout Ratio
AUB
60.68%
MCY
13.0%

AI Verdict

AUB BULLISH

AUB presents a compelling value opportunity, trading at $37.22, which is significantly below both its Graham Number ($43.12) and Intrinsic Value ($69.03). While the Piotroski F-Score of 4/9 indicates only stable financial health rather than strength, the company is exhibiting explosive revenue growth (91.5% YoY) and strong earnings momentum. The low Price-to-Book ratio of 1.05 suggests the market is underpricing the bank's assets. Despite bearish technical trends and low insider activity, the fundamental valuation and forward P/E of 9.28 support a bullish long-term outlook.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional YoY revenue growth of 91.50%
Attractive Price-to-Book ratio of 1.05
Risks
Low Return on Equity (ROE) of 6.72% compared to historical bank benchmarks
Bearish technical trend (0/100) indicating short-term price pressure
Lack of insider buying activity over the last 6 months
MCY BULLISH

MCY exhibits a strong recovery profile, transitioning from significant losses in 2022-2023 to explosive earnings growth (100.9% YoY). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company's valuation is highly attractive, trading almost exactly at its Graham Number ($97.95) and significantly below its growth-based intrinsic value ($288.21). Strong ROE (24.8%) and a low P/E ratio (9.79) suggest the market has not yet fully priced in the recent earnings acceleration.

Strengths
Explosive earnings growth (100.9% YoY) and consistent earnings beats
Attractive valuation with a P/E of 9.79 and P/S of 0.88
Strong Return on Equity (ROE) of 24.80%
Risks
Low current ratio (0.56) indicating potential short-term liquidity pressure
Low dividend strength (25/100) and yield (1.33%)
High volatility in historical quarterly earnings (swinging from losses to massive gains)

Compare Another Pair

AUB vs MCY: Head-to-Head Comparison

This page compares Atlantic Union Bankshares Corporation (AUB) and Mercury General Corporation (MCY) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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