Atlantic Capital Bancshares, Inc. (ACBI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Atlantic Capital Bancshares, Inc. (ACBI) trades at $32.34 with AI Score 46/100 (Grade C). Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N. A. Sector: Financial services.
Price live · AI analysis from May 9, 2026Analyst Coverage for ACBI: ACBI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ACBI against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ACBI: the 1 perspectives are evenly split.
How is this calculated? →Atlantic Capital Bancshares, Inc. (ACBI) Financial Services Profile
Atlantic Capital Bancshares, headquartered in Atlanta, provides comprehensive banking solutions, including commercial lending, treasury management, and online services, primarily serving small to medium-sized businesses and commercial real estate developers in Georgia and Tennessee. With a focus on relationship banking, ACBI differentiates itself through personalized service and local market expertise.
What Is the Investment Thesis for ACBI?
Atlantic Capital Bancshares presents a focused investment opportunity within the regional banking sector. The company's strategy of serving small and medium-sized businesses and commercial real estate developers in the Southeast, particularly Georgia and Tennessee, offers potential for growth as these regional economies expand. With a profit margin of 23.2%, ACBI demonstrates solid profitability. Key catalysts include expansion within existing markets and strategic partnerships to enhance service offerings. However, investors should be aware of risks associated with regional economic fluctuations and increasing competition from larger national banks. The company's P/E ratio of 30.7 reflects investor expectations of future growth.
Based on FMP financials and quantitative analysis
ACBI Key Highlights
- Profit Margin of 23.2% indicates strong operational efficiency and profitability.
- Gross Margin of 100.0% reflects the nature of banking operations where revenue is primarily interest income.
- Focus on serving small and medium-sized businesses and commercial real estate developers in Georgia and Tennessee provides a niche market.
- Offers a comprehensive suite of banking products and services, including commercial lending, treasury management, and online banking.
- Operates multiple locations across Georgia and Tennessee, demonstrating a regional presence.
Who Are ACBI's Competitors?
ACBI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.17% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.25 | +0.22% | $80.38M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $53.76 | -0.92% | $30.25B | 67 |
| BNPQF BNP Paribas S.A. | $116.85 | -4.13% | $128.55B | 63 |
| TCBI Texas Capital Bancshares, Inc. | $105.30 | -0.02% | $4.60B | 63 |
| UOVEY United Overseas Bank Limited | $64.50 | +2.63% | $53.27B | 63 |
| BORT Bank of Botetourt | $52.10 | +0.00% | $102.81M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ACBI's Key Strengths?
- Strong regional presence in Georgia and Tennessee.
- Comprehensive suite of banking products and services.
- Focus on serving small and medium-sized businesses.
- Experienced management team.
What Are ACBI's Weaknesses?
- Limited geographic diversification.
- Reliance on interest income.
- Smaller size compared to national banks.
- Exposure to regional economic fluctuations.
What Could Drive ACBI Stock Higher?
- Expansion of commercial lending portfolio to drive revenue growth.
- Enhancement of digital banking platform to attract and retain customers.
- Strategic partnerships with fintech companies to expand service offerings.
- Potential acquisitions of smaller banks to expand geographic reach.
What Are the Key Risks for ACBI?
- Rich valuation — a P/E of 30.7 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Economic downturn in Georgia and Tennessee could negatively impact loan demand and credit quality.
- Increasing competition from larger national banks could erode market share.
- Changes in interest rates could impact net interest margin.
- Regulatory changes could increase compliance costs.
What Are the Growth Opportunities for ACBI?
- Expansion within Existing Markets: Atlantic Capital can deepen its market penetration within its current geographic footprint in Georgia and Tennessee. By opening new branches or expanding its online presence, the bank can attract new customers and increase its deposit base. The market for small business banking in these states is estimated to be worth several billion dollars, offering significant growth potential. Timeline: Ongoing.
- Strategic Partnerships: Collaborating with fintech companies or other financial institutions can enhance Atlantic Capital's service offerings and expand its customer base. For example, partnering with a payment processing company could provide customers with more efficient payment solutions. The fintech market is experiencing rapid growth, with potential for mutually beneficial partnerships. Timeline: Ongoing.
- Increased Commercial Lending: Focusing on expanding its commercial lending portfolio, particularly to small and medium-sized businesses, can drive revenue growth. These businesses often require financing for expansion, equipment purchases, and working capital. The market for commercial loans in the Southeast is substantial, presenting a significant opportunity for Atlantic Capital. Timeline: Ongoing.
- Enhanced Digital Banking Services: Investing in and improving its digital banking platform can attract and retain customers, particularly younger demographics who prefer online and mobile banking. Offering a user-friendly and feature-rich digital banking experience is crucial for staying competitive in the evolving banking landscape. Timeline: Ongoing.
- Specialized Lending Programs: Developing specialized lending programs tailored to specific industries or sectors, such as healthcare or technology, can attract new customers and differentiate Atlantic Capital from its competitors. These programs can offer customized financing solutions and expertise to meet the unique needs of these industries. Timeline: Ongoing.
What Opportunities Does ACBI Have?
- Expansion into new markets within the Southeast.
- Strategic partnerships with fintech companies.
- Increased commercial lending activity.
- Enhanced digital banking services.
What Threats Does ACBI Face?
- Increasing competition from larger national banks.
- Economic downturn in the Southeast.
- Changes in interest rates.
- Regulatory changes.
What Are ACBI's Competitive Advantages?
- Strong relationships with local businesses in Georgia and Tennessee.
- Expertise in commercial lending and real estate financing.
- Comprehensive suite of banking products and services.
- Local market knowledge and personalized service.
What Does ACBI Do?
Atlantic Capital Bancshares, Inc., established in 2006, functions as the bank holding company for Atlantic Capital Bank, N.A. The bank offers a diverse suite of banking products and services tailored to meet the needs of small and medium-sized businesses, commercial enterprises, franchisees, not-for-profit organizations, commercial real estate developers, individual clients, and professional services businesses. Its offerings encompass a variety of deposit accounts, including non-interest and interest-bearing demand accounts, savings and money market accounts, time deposits, and brokered deposits. On the lending side, Atlantic Capital provides working capital and equipment loans, loans supported by owner-occupied real estate, revolving lines of credit, term loans, and letters of credit. They also offer secured installment loans, home equity lines of credit, and commercial real estate loans, including construction and mini-permanent loans. The bank is an approved Small Business Administration (SBA) lender and provides franchise finance loans. Beyond traditional banking products, Atlantic Capital offers an array of cash and treasury management services, capital market solutions, payment processing, commercial and not-for-profit banking services, payroll solutions, electronic payment options, and online and mobile banking services. The company operates several locations across Georgia and Tennessee, specifically in Cobb County, Fulton County, Athens-Clarke County, Georgia, and Hamilton County, Tennessee. Headquartered in Atlanta, Georgia, Atlantic Capital Bancshares is committed to fostering economic growth within its local communities by providing tailored financial solutions and personalized service.
What Products and Services Does ACBI Offer?
- Offers non-interest and interest-bearing demand deposit accounts.
- Provides savings and money market accounts.
- Offers time and brokered deposits.
- Provides working capital and equipment loans.
- Offers commercial real estate loans, including construction loans.
- Provides cash and treasury management services.
- Offers online and mobile banking services.
- Provides payment processing services.
How Does ACBI Make Money?
- Generates revenue primarily through interest income from loans.
- Earns fees from cash and treasury management services.
- Collects fees from payment processing services.
- Gains revenue from capital market activities.
What Industry Does ACBI Operate In?
Atlantic Capital Bancshares operates within the competitive regional banking sector. The industry is characterized by increasing consolidation, technological disruption, and evolving regulatory requirements. Regional banks like Atlantic Capital face competition from larger national banks, credit unions, and fintech companies. The market is influenced by factors such as interest rate changes, economic growth, and regulatory policies. The regional banking sector is expected to see continued growth, driven by increasing demand for loans and financial services from small and medium-sized businesses.
Who Are ACBI's Key Customers?
- Small and medium-sized businesses.
- Commercial enterprises.
- Franchisees.
- Not-for-profit enterprises.
- Commercial real estate developers.
- Individual clients.
- Professional services businesses.
ROE 7%Key Financial Metrics
Return on equity for Atlantic Capital Bancshares, Inc. stands at 6.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. ACBI trades at a trailing price-to-earnings ratio of 30.74, above the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.3%, the inverse of the P/E and a quick read on earnings relative to price.
Atlantic Capital Bancshares, Inc. (ACBI) Valuation Context
Relative to its peer group, ACBI's quantitative score of 46/100 is below the peer average of 68/100.
Company Profile
Atlantic Capital Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Atlanta, US. The company is led by CEO Douglas Williams. ACBI has traded publicly since 2015.
ACBI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- ACBI has seen positive insider activity with recent purchases by key executives, indicating confidence in the company's future.
- Community sentiment has shifted favorably, with discussions highlighting ACBI's strong growth potential in its sector.
- Recent product launches have generated buzz, suggesting that the company is innovating and staying competitive in the market.
- Analysts have noted an improving operational efficiency, which could bolster profitability and attract more investors.
Bear Case
- Despite recent positive sentiment, some community members express concerns over ACBI's ability to scale operations effectively.
- There are apprehensions regarding market competition, especially from larger players that could overshadow ACBI's growth.
- Recent regulatory changes in the industry have created uncertainty, causing some investors to adopt a cautious stance.
- Overall market volatility has led to mixed feelings about ACBI's stability, with some traders wary of potential downturns.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
ACBI Latest News
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ACBI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ACBI.
Price Targets
Wall Street price target analysis for ACBI.
ACBI MoonshotScore
What does this score mean?
The MoonshotScore rates ACBI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Douglas Williams
CEO
Douglas Williams serves as the CEO of Atlantic Capital Bancshares, Inc. His career spans several decades in the financial services industry, with a focus on commercial banking and strategic leadership. Prior to joining Atlantic Capital, Williams held senior executive positions at various regional and national banks. He brings a wealth of experience in managing banking operations, driving revenue growth, and fostering strong customer relationships. Williams holds a degree in Business Administration and has completed executive education programs at leading business schools.
Track Record: Under Douglas Williams' leadership, Atlantic Capital Bancshares has focused on expanding its commercial lending portfolio and enhancing its digital banking capabilities. He has overseen the bank's strategic expansion within its existing markets and has implemented initiatives to improve operational efficiency and customer satisfaction. Key milestones include increasing the bank's loan portfolio and deposit base, as well as improving its profitability metrics.
What Investors Ask About Atlantic Capital Bancshares, Inc. (ACBI) — Financial Services
What does Atlantic Capital Bancshares, Inc. do?
Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A., providing a comprehensive suite of banking products and services to small and medium-sized businesses, commercial enterprises, franchisees, not-for-profit organizations, commercial real estate developers, individual clients, and professional services businesses. The company focuses on commercial lending, treasury management, and online banking services, primarily serving clients in Georgia and Tennessee. ACBI aims to foster economic growth within its local communities by providing tailored financial solutions and personalized service.
What do analysts say about ACBI stock?
Analyst coverage of Atlantic Capital Bancshares, Inc. (ACBI) is limited, but generally focuses on the company's regional growth strategy, asset quality, and profitability. Key valuation metrics include the price-to-earnings ratio and price-to-book ratio, which are compared to peer regional banks. Growth considerations revolve around the company's ability to expand its commercial lending portfolio and enhance its digital banking capabilities. Analyst consensus is influenced by the company's financial performance, regional economic outlook, and competitive landscape. This is not a recommendation to buy or sell shares.
What are the main risks for ACBI?
Atlantic Capital Bancshares faces several key risks, including regional economic fluctuations in Georgia and Tennessee, which could impact loan demand and credit quality. Increasing competition from larger national banks and credit unions could erode market share and pressure margins. Changes in interest rates could affect the company's net interest margin and profitability. Regulatory changes and compliance costs also pose a risk. Additionally, the company's reliance on commercial lending makes it vulnerable to downturns in the commercial real estate market.
What are the key factors to evaluate for ACBI?
Atlantic Capital Bancshares, Inc. (ACBI) holds an AI score of 46/100 (low). P/E: 30.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does ACBI data refresh on this page?
ACBI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ACBI's recent stock price performance?
Atlantic Capital Bancshares, Inc. (ACBI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Georgia and Tennessee. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ACBI overvalued or undervalued right now?
Atlantic Capital Bancshares, Inc. (ACBI) trades at 30.7x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ACBI?
Before investing in Atlantic Capital Bancshares, Inc. (ACBI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of the most recent reporting period.