Atlantic Union Bankshares (NYSE:AUB) & JAPAN POST BANK (OTCMKTS:JPPTY) Critical Analysis

JAPAN POST BANK (OTCMKTS:JPPTY) and Atlantic Union Bankshares (NYSE:AUB) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, valuation, institutional ownership, dividends, risk, analyst recommendations and earnings.

Profitability

This table compares JAPAN POST BANK and Atlantic Union Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
JAPAN POST BANK	N/A	N/A	N/A
Atlantic Union Bankshares	21.97%	10.55%	1.41%

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for JAPAN POST BANK and Atlantic Union Bankshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
JAPAN POST BANK	0	1	1	0	2.50
Atlantic Union Bankshares	0	3	5	0	2.62

Atlantic Union Bankshares has a consensus price target of $45.57, suggesting a potential upside of 8.06%. Given Atlantic Union Bankshares’ stronger consensus rating and higher possible upside, analysts plainly believe Atlantic Union Bankshares is more favorable than JAPAN POST BANK.

Dividends

JAPAN POST BANK pays an annual dividend of $0.59 per share and has a dividend yield of 3.0%. Atlantic Union Bankshares pays an annual dividend of $1.48 per share and has a dividend yield of 3.5%. Atlantic Union Bankshares pays out 44.2% of its earnings in the form of a dividend. Atlantic Union Bankshares has increased its dividend for 14 consecutive years. Atlantic Union Bankshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Institutional & Insider Ownership

78.6% of Atlantic Union Bankshares shares are held by institutional investors. 1.0% of Atlantic Union Bankshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares JAPAN POST BANK and Atlantic Union Bankshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
JAPAN POST BANK	N/A	N/A	N/A	N/A	N/A
Atlantic Union Bankshares	$2.04 billion	2.96	$273.71 million	$3.35	12.59

Atlantic Union Bankshares has higher revenue and earnings than JAPAN POST BANK.

Summary

Atlantic Union Bankshares beats JAPAN POST BANK on 11 of the 12 factors compared between the two stocks.

About JAPAN POST BANK

JAPAN POST BANK Co., Ltd. provides various banking products and services to retail and corporate clients in Japan and internationally. The company offers liquid deposits, including transfer deposits, savings deposits, ordinary deposits, etc.; fixed-term deposits, such as time deposits, TEIGAKU deposits, etc.; and other deposits, as well as negotiable certificates of deposit. It also provides loans to individuals, small and medium-size enterprises, and others; syndicated loans; and other lending. In addition, the company offers securities investment products, domestic and foreign exchange services, Japanese government bonds, investment trust products, and insurance products; and intermediary services, such as mortgage and credit card services. Further, it provides overdraft lending services; remittance and settlement services; and internet banking services. The company was formerly known as Yucho Co, Ltd. and changed its name to JAPAN POST BANK Co., Ltd. in October 2007. The company was incorporated in 2006 and is headquartered in Tokyo, Japan. JAPAN POST BANK Co., Ltd. is a subsidiary of Japan Post Holdings Co., Ltd.

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.