X Financial (XYF) Competitors

X Financial (NYSE:XYF) and Atlantic Union Bankshares (NASDAQ:AUB) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, media sentiment, valuation, earnings, analyst recommendations, dividends, institutional ownership, community ranking and risk.

Is XYF or AUB a better dividend stock?

X Financial pays an annual dividend of $0.16 per share and has a dividend yield of 0.9%. Atlantic Union Bankshares pays an annual dividend of $1.36 per share and has a dividend yield of 4.6%. X Financial pays out 3.7% of its earnings in the form of a dividend. Atlantic Union Bankshares pays out 62.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. 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.

Is XYF or AUB more profitable?

X Financial has a net margin of 25.03% compared to Atlantic Union Bankshares' net margin of 15.53%. X Financial's return on equity of 20.66% beat Atlantic Union Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	25.03%	20.66%	11.17%
Atlantic Union Bankshares	15.53%	8.50%	1.06%

Which has more risk & volatility, XYF or AUB?

X Financial has a beta of 0.05, indicating that its share price is 95% less volatile than the S&P 500. Comparatively, Atlantic Union Bankshares has a beta of 0.83, indicating that its share price is 17% less volatile than the S&P 500.

Do institutionals & insiders hold more shares of XYF or AUB?

1.1% of X Financial shares are owned by institutional investors. Comparatively, 78.6% of Atlantic Union Bankshares shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Comparatively, 0.9% of Atlantic Union Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Does the MarketBeat Community prefer XYF or AUB?

X Financial received 104 more outperform votes than Atlantic Union Bankshares when rated by MarketBeat users. However, 62.50% of users gave Atlantic Union Bankshares an outperform vote while only 58.11% of users gave X Financial an outperform vote.

Company	Underperform	Outperform
X Financial	Outperform Votes 129 58.11%	Underperform Votes 93 41.89%
Atlantic Union Bankshares	Outperform Votes 25 62.50%	Underperform Votes 15 37.50%

Which has stronger valuation & earnings, XYF or AUB?

Atlantic Union Bankshares has lower revenue, but higher earnings than X Financial. X Financial is trading at a lower price-to-earnings ratio than Atlantic Union Bankshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
X Financial	$2.56B	0.33	$167.16M	$4.35	3.98
Atlantic Union Bankshares	$857.44M	4.89	$209.13M	$2.19	13.44

Do analysts prefer XYF or AUB?

Atlantic Union Bankshares has a consensus price target of $39.00, indicating a potential upside of 32.49%. Given Atlantic Union Bankshares' stronger consensus rating and higher possible upside, analysts plainly believe Atlantic Union Bankshares is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Atlantic Union Bankshares	0 Sell rating(s)	2 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.67

Does the media favor XYF or AUB?

In the previous week, X Financial had 8 more articles in the media than Atlantic Union Bankshares. MarketBeat recorded 13 mentions for X Financial and 5 mentions for Atlantic Union Bankshares. Atlantic Union Bankshares' average media sentiment score of 1.03 beat X Financial's score of 0.61 indicating that Atlantic Union Bankshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
X Financial	2 Very Positive mention(s)	2 Positive mention(s)	8 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Atlantic Union Bankshares	3 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Atlantic Union Bankshares beats X Financial on 12 of the 21 factors compared between the two stocks.