Wealth Trade (NASDAQ:HTBK) and Atlantic Union Bank Stock (NASDAQ:AUB) Analysis

Heritage Commerce (NASDAQ:HTBK – Get Rating) and Atlantic Union Bankshares (NASDAQ:AUB – Get Rating) are both finance companies, but which is the best investment? We’ll compare the two companies based on their dividend strength, risk, earnings, institutional ownership, profitability, valuation, and analyst recommendations.

Valuation and benefits

This chart compares the gross revenue, earnings per share (EPS), and valuation of Heritage Commerce and Atlantic Union Bankshares.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Heritage trade $162.94 million 4.11 $47.70 million $0.82 13.52
Atlantic Union Banking Stocks $718.16 million 3.61 $263.92 million $3.12 11.01

Atlantic Union Bankshares has higher revenues and profits than Heritage Commerce. Atlantic Union Bankshares trades at a lower price-to-earnings ratio than Heritage Commerce, indicating that it is currently the more affordable of the two stocks.


Heritage Commerce pays an annual dividend of $0.52 per share and has a dividend yield of 4.7%. Atlantic Union Bankshares pays an annual dividend of $1.12 per share and has a dividend yield of 3.3%. Heritage Commerce pays 63.4% of its profits as a dividend. Atlantic Union Bankshares pays 35.9% of its earnings as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Atlantic Union Bankshares has increased its dividend for 12 consecutive years.

Institutional and Insider Ownership

71.5% of Heritage Commerce shares are held by institutional investors. By comparison, 69.6% of Atlantic Union Bankshares’ shares are held by institutional investors. 4.1% of Heritage Commerce shares are held by company insiders. By comparison, 1.0% of the shares of Atlantic Union Bankshares are held by insiders of the company. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock is poised for long-term growth.


This table compares the net margins, return on equity and return on assets of Heritage Commerce and Atlantic Union Bankshares.

Net margins Return on equity return on assets
Heritage trade 29.69% 8.36% 0.92%
Atlantic Union Banking Stocks 35.51% 9.74% 1.32%

Analyst Notes

This is a summary of recent ratings and recommendations for Heritage Commerce and Atlantic Union Bankshares, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Heritage trade 0 0 2 0 3.00
Atlantic Union Banking Stocks 0 0 3 0 3.00

Heritage Commerce currently has a consensus price target of $13.50, indicating a potential upside of 21.73%. Atlantic Union Bankshares has a consensus price target of $44.25, indicating a potential upside of 28.78%. Given Atlantic Union Bankshares’ likely higher upside, analysts clearly think Atlantic Union Bankshares is more favorable than Heritage Commerce.

Volatility and risk

Heritage Commerce has a beta of 1.02, indicating that its stock price is 2% more volatile than the S&P 500. In comparison, Atlantic Union Bankshares has a beta of 1.15, indicating that its stock price is its stock is 15% more volatile than the S&P 500.


Atlantic Union Bankshares beats Heritage Commerce on 11 out of 16 factors compared between the two stocks.

Heritage Commerce Company Profile (Get an assessment)

Heritage Commerce Corp operates as a bank holding company for Heritage Bank of Commerce which provides various commercial and personal banking services to residents and the business/professional community in California. Its deposit products for merchant banks and retail markets include interest-bearing and non-interest-bearing current, savings and money market accounts, as well as certificates of deposit and term deposits. The Company’s loan portfolio includes commercial loans, such as advanced secured and unsecured operating loans for working capital, equipment purchase and other business purposes; commercial real estate loans; commercial construction loans for rental properties, commercial properties and homes; small business administration loans; home equity lines of credit; multi-family loans on residential properties; residential mortgages; and consumer loans consisting of loans for financing automobiles, various consumer goods and other personal purposes. In addition, it offers other banking services, including cashiers checks, mail banking, overnight deposits, safe deposit boxes, direct deposit, automated payroll, electronic funds transfer, payment of online billing, homeowners association, remote deposit capture, automated clearing house issuance, electronic data interchange and check imaging services, as well as other banking, finance through usual factoring and electronic banking. The company operates through 17 full-service branches located in the general San Francisco Bay Area of ​​California. Heritage Commerce Corp was founded in 1994 and is headquartered in San Jose, California.

Company Profile Atlantic Union Bankshares (Get an assessment)

Atlantic Union Bankshares logoAtlantic Union Bankshares Corporation operates as a holding company for Atlantic Union Bank which provides banking and related financial services to consumers and businesses. The Company accepts a variety of deposit products, including checking, savings, NOW, term deposit, and money market accounts; certificates of deposit; and other deposit services. It also offers 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, online bill payment services, as well as financial planning, trust and management services. of heritage. In addition, it provides securities, brokerage and investment advisory products and services; and creates and sells residential lending 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.

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