Financial Review: Kentucky Bancshares (OTCMKTS:KTYB) and Atlantic Union Bankshares (NASDAQ:AUB)

Atlantic Union Bankshares (NASDAQ:AUBGet Rating) and Kentucky Bancshares (OTCMKTS:KTYBGet Rating) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, analyst recommendations, valuation, institutional ownership, risk, earnings and dividends.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Atlantic Union Bankshares and Kentucky Bancshares, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Atlantic Union Bankshares 0 0 3 0 3.00
Kentucky Bancshares 0 0 0 0 N/A

Atlantic Union Bankshares presently has a consensus target price of $46.17, suggesting a potential upside of 30.45%. Given Atlantic Union Bankshares’ higher probable upside, analysts clearly believe Atlantic Union Bankshares is more favorable than Kentucky Bancshares.

Institutional & Insider Ownership

70.0% of Atlantic Union Bankshares shares are held by institutional investors. 1.0% of Atlantic Union Bankshares shares are held by insiders. Comparatively, 8.7% of Kentucky Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Atlantic Union Bankshares and Kentucky Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Atlantic Union Bankshares 28.76% 8.79% 1.09%
Kentucky Bancshares N/A N/A N/A

Earnings & Valuation

This table compares Atlantic Union Bankshares and Kentucky Bancshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Atlantic Union Bankshares $718.16 million 3.68 $263.92 million $2.66 13.30
Kentucky Bancshares $58.66 million 3.91 $11.70 million N/A N/A

Atlantic Union Bankshares has higher revenue and earnings than Kentucky Bancshares.

Summary

Atlantic Union Bankshares beats Kentucky Bancshares on 8 of the 10 factors compared between the two stocks.

About Atlantic Union Bankshares

(Get Rating)

Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses. The company accepts various deposit products, including checking, savings, NOW, 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. In addition, the company offers credit cards, automated teller machine (ATM) services, mobile and internet banking services, and online bill payment services, as well as financial planning, trust, and wealth management services. Further, it provides securities, brokerage, and investment advisory products and services; and originates and sells residential loan products in the secondary market. As of February 25, 2022, it operated 130 branches and approximately 150 ATMs in Virginia, Maryland, and North Carolina. 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 Richmond, Virginia.

About Kentucky Bancshares

(Get Rating)

Kentucky Bancshares, Inc. operates as the bank holding company for Kentucky Bank that provides commercial and consumer banking products and services. It accepts various deposit products, including checking, savings, and money market accounts; and certificates of deposit, safe deposits, interest and noninterest bearing deposits, and time deposits. The company also offers commercial, agricultural, and real estate loans to small-to-medium-sized industrial, service, and agricultural businesses; and residential mortgages, installments, and other loans to individual and other non-commercial customers. In addition, it provides credit cards and other consumer-oriented financial services; brokerage services, annuities, life and long-term care insurance, personal trust, and agency services; and Internet banking services, such as bill payment. The company has operations in Bourbon, Clark, Elliott, Fayette, Harrison, Jessamine, Madison, Rowan, Scott, Woodford, and other counties in Kentucky. Kentucky Bancshares, Inc. was founded in 1851 and is headquartered in Paris, Kentucky.

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