(AUB) Atlantic Union Bankshares - Ratings and Ratios
Checking, Savings, Loans, Cards, Insurance
AUB EPS (Earnings per Share)
AUB Revenue
Description: AUB Atlantic Union Bankshares
Atlantic Union Bankshares Corporation is a bank holding company operating in the United States, providing a range of banking and financial services to consumers and businesses through its two main segments: Wholesale Banking and Consumer Banking. The company offers various deposit products, loans, debit and credit cards, treasury management, wealth management, and insurance products, among others, through its full-service branches, ATMs, mobile, and internet banking.
From a financial perspective, Atlantic Union Bankshares Corporation has a market capitalization of approximately $4.7 billion USD, with a price-to-earnings ratio of 15.50 and a forward P/E of 10.28, indicating a potentially undervalued stock. The companys return on equity (RoE) stands at 6.66%, suggesting a moderate level of profitability. To further evaluate the companys performance, key performance indicators (KPIs) such as the net interest margin (NIM), efficiency ratio, and loan-to-deposit ratio could be examined. For instance, a high NIM would indicate a strong ability to generate income from interest-earning assets, while a low efficiency ratio would suggest effective cost management.
Additional KPIs that could provide valuable insights into Atlantic Union Bankshares Corporations financial health include the Texas Ratio, which assesses the companys credit risk, and the tangible common equity (TCE) ratio, which measures its capital adequacy. A thorough analysis of these metrics would help investors and analysts better understand the companys strengths and weaknesses, as well as its potential for long-term growth and profitability.
AUB Stock Overview
| Market Cap in USD | 5,069m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1995-08-18 |
AUB Stock Ratings
| Growth Rating | -5.67% |
| Fundamental | 56.3% |
| Dividend Rating | 72.6% |
| Return 12m vs S&P 500 | -19.1% |
| Analyst Rating | 4.0 of 5 |
AUB Dividends
| Dividend Yield 12m | 3.90% |
| Yield on Cost 5y | 7.79% |
| Annual Growth 5y | 5.39% |
| Payout Consistency | 96.9% |
| Payout Ratio | 45.0% |
AUB Growth Ratios
| Growth Correlation 3m | 80.5% |
| Growth Correlation 12m | -59.5% |
| Growth Correlation 5y | 25.3% |
| CAGR 5y | 5.57% |
| CAGR/Max DD 3y | 0.12 |
| CAGR/Mean DD 3y | 0.38 |
| Sharpe Ratio 12m | -0.70 |
| Alpha | 0.05 |
| Beta | 0.816 |
| Volatility | 30.14% |
| Current Volume | 1018.6k |
| Average Volume 20d | 781.2k |
| Stop Loss | 34.1 (-3.2%) |
| Signal | -0.41 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (203.8m TTM) > 0 and > 6% of Revenue (6% = 98.4m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA 4.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1793 % (prev -1493 %; Δ -300.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 2.13b > Net Income 203.8m (YES >=105%, WARN >=100%) |
| Net Debt (-691.5m) to EBITDA (281.2m) ratio: -2.46 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.05 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (141.7m) change vs 12m ago 57.89% (target <= -2.0% for YES) |
| Gross Margin 55.39% (prev 58.36%; Δ -2.97pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.29% (prev 4.81%; Δ 0.47pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.41 (EBITDA TTM 281.2m / Interest Expense TTM 588.2m) >= 6 (WARN >= 3) |
Altman Z'' -5.00
| (A) -0.79 = (Total Current Assets 1.69b - Total Current Liabilities 31.10b) / Total Assets 37.29b |
| (B) 0.03 = Retained Earnings (Balance) 1.09b / Total Assets 37.29b |
| (C) 0.01 = EBIT TTM 242.3m / Avg Total Assets 31.03b |
| (D) 0.03 = Book Value of Equity 955.6m / Total Liabilities 32.46b |
| Total Rating: -5.00 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.28
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 49.76% = 5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 0.18 = 2.48 |
| 5. Debt/Ebitda 3.17 = -1.99 |
| 6. ROIC - WACC (= -5.58)% = -6.97 |
| 7. RoE 5.68% = 0.47 |
| 8. Rev. Trend 92.11% = 6.91 |
| 9. EPS Trend 7.46% = 0.37 |
What is the price of AUB shares?
Over the past week, the price has changed by +0.03%, over one month by +4.79%, over three months by +18.45% and over the past year by -4.07%.
Is Atlantic Union Bankshares a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AUB is around 32.58 USD . This means that AUB is currently overvalued and has a potential downside of -7.5%.
Is AUB a buy, sell or hold?
- Strong Buy: 2
- Buy: 2
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the AUB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 39 | 10.7% |
| Analysts Target Price | 39 | 10.7% |
| ValueRay Target Price | 36.9 | 4.7% |
Last update: 2025-09-05 04:33
AUB Fundamental Data Overview
CCE Cash And Equivalents = 1.69b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 18.241
P/E Forward = 10.2775
P/S = 5.5798
P/B = 1.0454
Beta = 0.865
Revenue TTM = 1.64b USD
EBIT TTM = 242.3m USD
EBITDA TTM = 281.2m USD
Long Term Debt = 765.4m USD (from longTermDebt, last quarter)
Short Term Debt = 127.4m USD (from shortTermDebt, last quarter)
Debt = 892.8m USD (Calculated: Short Term 127.4m + Long Term 765.4m)
Net Debt = -691.5m USD (from netDebt column, last quarter)
Enterprise Value = 4.27b USD (5.07b + Debt 892.8m - CCE 1.69b)
Interest Coverage Ratio = 0.41 (Ebit TTM 242.3m / Interest Expense TTM 588.2m)
FCF Yield = 49.76% (FCF TTM 2.13b / Enterprise Value 4.27b)
FCF Margin = 129.7% (FCF TTM 2.13b / Revenue TTM 1.64b)
Net Margin = 12.43% (Net Income TTM 203.8m / Revenue TTM 1.64b)
Gross Margin = 55.39% ((Revenue TTM 1.64b - Cost of Revenue TTM 731.7m) / Revenue TTM)
Tobins Q-Ratio = 4.47 (Enterprise Value 4.27b / Book Value Of Equity 955.6m)
Interest Expense / Debt = 21.17% (Interest Expense 189.0m / Debt 892.8m)
Taxrate = 19.50% (50.7m / 259.8m)
NOPAT = 195.1m (EBIT 242.3m * (1 - 19.50%))
Current Ratio = 0.05 (Total Current Assets 1.69b / Total Current Liabilities 31.10b)
Debt / Equity = 0.18 (Debt 892.8m / last Quarter total Stockholder Equity 4.83b)
Debt / EBITDA = 3.17 (Net Debt -691.5m / EBITDA 281.2m)
Debt / FCF = 0.42 (Debt 892.8m / FCF TTM 2.13b)
Total Stockholder Equity = 3.59b (last 4 quarters mean)
RoA = 0.55% (Net Income 203.8m, Total Assets 37.29b )
RoE = 5.68% (Net Income TTM 203.8m / Total Stockholder Equity 3.59b)
RoCE = 5.57% (Ebit 242.3m / (Equity 3.59b + L.T.Debt 765.4m))
RoIC = 4.65% (NOPAT 195.1m / Invested Capital 4.20b)
WACC = 10.22% (E(5.07b)/V(5.96b) * Re(9.02%)) + (D(892.8m)/V(5.96b) * Rd(21.17%) * (1-Tc(0.20)))
Shares Correlation 3-Years: 96.97 | Cagr: 5.99%
Discount Rate = 9.02% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 73.61% ; FCFE base≈1.39b ; Y1≈1.29b ; Y5≈1.19b
Fair Price DCF = 126.5 (DCF Value 18.02b / Shares Outstanding 142.5m; 5y FCF grow -8.54% → 3.0% )
EPS Correlation: 7.46 | EPS CAGR: 9.51% | SUE: 1.98 | # QB: 1
Revenue Correlation: 92.11 | Revenue CAGR: 49.58% | SUE: N/A | # QB: None
Additional Sources for AUB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle