Atlantic Capital Bancshares Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Atlantic Capital Bancshares Inc (ACBI) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Atlantic Capital Bancshares Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 119M vs 752,151M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+7.2% annualized vs trailing 12 months), vs decelerating (-25.0%) for its tracked peer group.
- Growth: Atlantic Capital Bancshares Inc generated 31.4% revenue growth year over year in Q3 2021, vs 7.2% for its tracked competitors combined.
- Profitability: Its 41.9% net margin compares with 32.7% for the peer group.
- Peer revenue share: Atlantic Capital Bancshares Inc accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.33M compares with $0.50M for the peer group (0.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
ACBI Sales vs. its Competitors, Q3 2021
Atlantic Capital Bancshares Inc reported revenue growth of 31.37 % year on year in Q3 2021, above its competitors' combined revenue growth of 7.20 %.
With a net margin of 41.86 %, Atlantic Capital Bancshares Inc achieved higher profitability than its competitors (32.69 %).
Atlantic Capital Bancshares Inc generated 0.02 % of the combined sales of its peer group, up from 0.02 % a year earlier.
Atlantic Capital Bancshares Inc vs. its Competitors, Q3 2021
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Atlantic Capital Bancshares Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Atlantic Capital Bancshares Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Atlantic Capital Bancshares inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Atlantic Capital Bancshares Inc's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs 31.4% for Atlantic Capital Bancshares Inc. Atlantic Capital Bancshares Inc's share of combined industry revenue moved from 0.02% to 0.02%, a gain of 0.00 percentage points.
Atlantic Capital Bancshares Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Atlantic Capital Bancshares inc | Yes | Yes | Yes | No |
| Competitors combined (96) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
ACBI Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 3 | Orix Corporation | 282.9% | Outperformed |
| 4 | F and m Bank Corp | 282.9% | Outperformed |
| 5 | Smartfinancial Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Atlantic Capital Bancshares Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Atlantic Capital Bancshares Inc's Comment on Competition and Industry Peers
We face substantial competition in all areas of our operations from a variety of different competitors, many of which are larger and may have more financial resources than we do. Such competitors primarily include national, regional, and Internet banks within the various markets in which we operate. We also face competition from many other types of financial institutions, including, without limitation, savings and loan associations, credit unions, finance companies, brokerage firms, insurance companies, and other financial intermediaries.
The financial services industry could become even more competitive as a result
of legislative, regulatory, and technological changes and continued consolidation.
Banks, securities firms, and insurance companies can merge under the umbrella
of a financial holding company, which can offer virtually any type of financial
service, including banking, securities underwriting, insurance (both agency
and underwriting), and merchant banking. Also, technology has lowered barriers
to entry and made it possible for non-banks to offer products and services traditionally
provided by banks, such as automatic transfer and automatic payment systems.
Many of our non-bank competitors have fewer regulatory constraints and may have
lower cost structures. Additionally, due to their size, many competitors may
be able to achieve economies of scale and, as a result, may offer a broader
range of products and services as well as better pricing for those products
and services than we can.
There were approximately 81 banks and thrifts operating in metropolitan Atlanta,
27 in the Chattanooga market and 50 in the Knoxville market. We believe the
large national, super-regional and regional banks are our primary competitors.
However, we believe that large banks often lack the consistency of decision-making
authority and local focus necessary to provide superior service to our target
markets. Conversely, smaller community banks typically lack the sophisticated
products, capital and management experience to provide full service to our target
markets. Through our local ownership, experienced management team and broad
line of products and services, we believe we efficiently provide clients with
loan, deposit and other financial products tailored to fit their specific needs.
We do not believe we are dependent on any one or any several customers or types
of business whose loss would have a material adverse effect on us.
Our corporate and business banking clients represent a variety of industry sectors,
including industrial and manufacturing, financial services, business services,
not-for-profit, consumer service and retail. We intend to continue diversifying
our client base across industries as a way to diversify our loan portfolio risk,
gain market presence and leverage the industry experience of our corporate and
business banking team. We also intend to further expand our corporate and business
banking client base by cross-selling our services to clients of our deposit
and treasury services and by soliciting relationships with new clients and capitalizing
on prospective clients eager to explore new banking relationships. Moreover,
we seek to become the primary banking relationship for our clients by remaining
intensely focused on serving their needs. To achieve this position, we focus
on providing significant expertise and capability to execute transactions, a
deep understanding of our client’s business and banking needs and attentive
care from senior and experienced bankers that a client might not obtain from
larger banking institutions.
Publicly Traded Peers of Atlantic Capital Bancshares inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Atlantic Capital Bancshares inc | 663.22 | 118.57 |
| Jpmorgan Chase and Co | 915,273.62 | 186,328.00 |
| Bank Of America Corporation | 373,681.87 | 121,098.00 |
| Wells Fargo and Company | 257,866.70 | 83,940.00 |
| Citigroup inc | 220,685.76 | 88,262.00 |
| Capital one financial corp | 125,300.71 | 51,099.00 |
| SUBTOTAL | 2,725,885.37 | 812,881.55 |
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Sources: Atlantic Capital Bancshares inc's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Atlantic Capital Bancshares inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Atlantic Capital Bancshares Inc's Competitors Named by the Company
Competitive relationships identified from Atlantic Capital Bancshares Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| State Bank Financial Corp | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Cnb Corp | Company report | 85% |
| Fb Financial Corporation | Company report | 85% |
| Hopfed Bancorp Inc | Company report | 85% |
| Southwest Georgia Financial Corp | Company report | 85% |
| Comerica Incorporated | Company report | 85% |
| Affinity Bancshares Inc | Company report | 85% |
| Cornerstone Bancshares Inc | Company report | 85% |
| Franklin Financial Network Inc | Company report | 85% |
| Park Sterling Corp | Company report | 85% |
| Regions Financial Corporation | Company report | 85% |
| Renasant Corp | Company report | 85% |
| Communityone Bancorp | Company report | 85% |
| First Century Bankshares Inc | Company report | 85% |
| Metrocity Bankshares inc | Company report | 85% |
| Southern States Bancshares Inc | Company report | 85% |
| Citigroup inc | Company report | 85% |
| Commercial Bancgroup, Inc. | Company report | 85% |
| Capstar Financial Holdings Inc | Company report | 85% |
| Highlands Bankshares Inc | Company report | 85% |
| Reliant Bancorp Inc | Company report | 85% |
| Huntington Bancshares Incorporated | Company report | 85% |
| United Community Banks Inc | Company report | 85% |
| Coastalsouth Bancshares Inc | Company report | 85% |
| First Farmers & Merchants Corp | Company report | 85% |
| Provident Community Bancshares, Inc. | Company report | 85% |
Company report basis, confidence, active dates and source counts for Atlantic Capital Bancshares Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from Atlantic Capital Bancshares Inc reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Atlantic Capital Bancshares Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Webster Financial Corporation | Commercial Banking 48.55 % |
| Wesbanco Inc | Community Banking 98.24 % |
| Brc Group Holdings Inc | Reportable 93.26 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Atlantic Capital Bancshares Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Atlantic Capital Bancshares inc | 663 | 328,435 | 134,158 |
| Jpmorgan Chase and Co | 915,274 | 584,995 | 200,752 |
| Bank Of America Corporation | 373,682 | 568,535 | 158,005 |
| Wells Fargo and Company | 257,867 | 351,213 | 95,100 |
| Citigroup inc | 220,686 | 390,540 | 72,049 |
| Capital one financial corp | 125,301 | 669,712 | 137,615 |
| PEERS TOTAL | 2,725,222 | 496,617 | 134,502 |
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Atlantic Capital Bancshares Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Brc Group Holdings Inc | North America 93.52 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Atlantic Capital Bancshares Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 59.56 % | 50.49 % (avg) | +9.1 pp |
| Capital Intensity (Capex / Revenue) | 0.17 % | 2.34 % (avg) | -2.2 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Atlantic Capital Bancshares Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 10.4x | - | - |
| EV / EBITDA | 4.8x | - | - |
| P/B | 1.4x | - | - |
| Return on Equity | 13.88 % | industry aggregate | 1.35 % |
| Return on Invested Capital | 2.55 % | 4.16 % (avg) | -1.61 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Atlantic Capital Bancshares Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|
| Revenue Growth | -0.54 % | -10.38 % | 5.37 % | -10.20 % |
| Operating Margin | 21.94 % | - | - | - |
| Return on Invested Capital | 2.40 % | 2.82 % | 3.07 % | 1.14 % |
| P/E | - | 15.2x | 8.8x | 13.9x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Atlantic Capital Bancshares Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.17 % vs industry average 2.34 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Atlantic Capital Bancshares Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Atlantic Capital Bancshares Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Atlantic Capital Bancshares Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Atlantic Capital Bancshares Inc falls in the High attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Atlantic Capital Bancshares Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+7.2% annualized vs trailing 12 months).
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-25.0% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Atlantic Capital Bancshares Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Atlantic Capital Bancshares inc | 0.17 | 2.36 | 0.21 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Atlantic Capital Bancshares Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Atlantic Capital Bancshares inc | Q3 2021 | +31.4 % | +54.4 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +23.5 % | +48.4 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Atlantic Capital Bancshares Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Atlantic Capital Bancshares inc | Q3 2021 | - | - |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Atlantic Capital Bancshares Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Atlantic Capital Bancshares inc | 1.26% | 2.02% | 13.88% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.65% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Atlantic Capital Bancshares Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Atlantic Capital Bancshares inc | 13.82 | 5.59 |
| Jpmorgan Chase and Co | 14.30 | 4.91 |
| Bank Of America Corporation | 11.80 | 3.09 |
| Wells Fargo and Company | 12.26 | 3.07 |
| Citigroup inc | 15.46 | 2.50 |
| Capital one financial corp | 12.01 | 2.45 |
| PEERS AVERAGE | 12.38 | 3.35 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.