Overview Dividends

(AUB) Atlantic Union Bankshares - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US04911A1079

Deposits, Loans, Cards, Treasury, Wealth, Insurance

Regional Banks
Market Cap in USD: 5,188m

IPO / Inception: 1995-08-18
Return 12m vs S&P 500: -17.1%

EPS (Earnings per Share)

EPS CAGR: 9.88%
EPS Trend: 30.4%

Last SUE: -0.11
Qual. Beats: 0

Revenue

Rev. CAGR: 33.21%
Rev. Trend: 96.2%

Last SUE: 1.09
Qual. Beats: 2

Dividends

Dividend Yield	3.91%
Yield on Cost 5y	5.13%
Yield CAGR 5y	6.05%
Payout Consistency	93.7%
Payout Ratio	45.9%

Risk via 5d forecast
Volatility	33.7%
Value at Risk 5%th	48.4%
Relative Tail Risk	-12.65%

Reward TTM
Sharpe Ratio	-0.02
Alpha	-21.71
CAGR/Max DD	0.10

Character TTM
Hurst Exponent	0.475
Beta	1.189
Beta Downside	1.501

Drawdowns 3y
Max DD	44.74%
Mean DD	17.41%
Median DD	16.07%

Description: AUB Atlantic Union Bankshares November 05, 2025

Atlantic Union Bankshares Corp. (NYSE:AUB) is a Virginia-based holding company for Atlantic Union Bank, offering a full suite of deposit, loan, and wealth-management products to consumers and businesses across the United States through branch, ATM, and digital channels.

In its most recent quarter (Q3 2024), AUB reported a net interest margin of 3.45% and loan growth of 5.2% YoY, while deposits rose 4.1% to $22.3 billion, supporting a solid Common Equity Tier 1 (CET1) ratio of 12.6%-well above the regulatory minimum.

The bank operates two primary segments-Wholesale Banking and Consumer Banking-both of which are sensitive to macro-economic factors such as the Federal Reserve’s policy stance, regional economic growth, and housing-market dynamics; a 1-point increase in the policy rate historically translates into a 0.3-point lift in AUB’s net interest income, offset by modest pressure on loan demand.

For a deeper quantitative breakdown, you might explore the AUB profile on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (219.5m TTM) > 0 and > 6% of Revenue (6% = 109.3m TTM)

FCFTA 0.06 (>2.0%) and ΔFCFTA 4.95pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1641 % (prev -1380 %; Δ -261.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.06 (>3.0%) and CFO 2.22b > Net Income 219.5m (YES >=105%, WARN >=100%)

Net Debt (70.5m) to EBITDA (314.9m) ratio: 0.22 <= 3.0 (WARN <= 3.5)

Current Ratio 0.03 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (90.1m) change vs 12m ago 0.33% (target <= -2.0% for YES)

Gross Margin 57.64% (prev 57.67%; Δ -0.03pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.89% (prev 5.15%; Δ 0.74pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.42 (EBITDA TTM 314.9m / Interest Expense TTM 630.9m) >= 6 (WARN >= 3)

Altman Z'' -5.10

(A) -0.81 = (Total Current Assets 860.7m - Total Current Liabilities 30.76b) / Total Assets 37.07b

(B) 0.03 = Retained Earnings (Balance) 1.13b / Total Assets 37.07b

(D) 0.03 = Book Value of Equity 1.03b / Total Liabilities 32.16b

Total Rating: -5.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.68

1. Piotroski 5.0pt

2. FCF Yield 42.63%

3. FCF Margin data missing

4. Debt/Equity 0.17

5. Debt/Ebitda 0.22

6. ROIC - WACC (= -6.77)%

7. RoE 5.46%

8. Rev. Trend 96.25%

9. EPS Trend 30.37%

What is the price of AUB shares?

As of December 31, 2025, the stock is trading at USD 35.54 with a total of 736,923 shares traded.
Over the past week, the price has changed by -2.17%, over one month by +3.16%, over three months by +0.97% and over the past year by -1.98%.

Is AUB a buy, sell or hold?

Atlantic Union Bankshares has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy AUB.

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	42.4	19.4%
Analysts Target Price	42.4	19.4%
ValueRay Target Price	37.3	4.9%

AUB Fundamental Data Overview December 29, 2025

Market Cap USD = 5.19b (5.19b USD * 1.0 USD.USD)
P/E Trailing = 20.4494
P/E Forward = 9.434
P/S = 4.9473
P/B = 1.0551
Beta = 0.841
Revenue TTM = 1.82b USD
EBIT TTM = 266.6m USD
EBITDA TTM = 314.9m USD
Long Term Debt = 768.7m USD (from longTermDebt, last quarter)
Short Term Debt = 91.6m USD (from shortTermDebt, last quarter)
Debt = 860.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 70.5m USD (from netDebt column, last quarter)
Enterprise Value = 5.19b USD (5.19b + Debt 860.3m - CCE 860.7m)
Interest Coverage Ratio = 0.42 (Ebit TTM 266.6m / Interest Expense TTM 630.9m)
FCF Yield = 42.63% (FCF TTM 2.21b / Enterprise Value 5.19b)
FCF Margin = 121.4% (FCF TTM 2.21b / Revenue TTM 1.82b)
Net Margin = 12.05% (Net Income TTM 219.5m / Revenue TTM 1.82b)
Gross Margin = 57.64% ((Revenue TTM 1.82b - Cost of Revenue TTM 771.7m) / Revenue TTM)
Gross Margin QoQ = 65.82% (prev 50.10%)
Tobins Q-Ratio = 0.14 (Enterprise Value 5.19b / Total Assets 37.07b)
Interest Expense / Debt = 21.41% (Interest Expense 184.2m / Debt 860.3m)
Taxrate = 20.76% (24.1m / 116.3m)
NOPAT = 211.2m (EBIT 266.6m * (1 - 20.76%))
Current Ratio = 0.03 (Total Current Assets 860.7m / Total Current Liabilities 30.76b)
Debt / Equity = 0.17 (Debt 860.3m / totalStockholderEquity, last quarter 4.92b)
Debt / EBITDA = 0.22 (Net Debt 70.5m / EBITDA 314.9m)
Debt / FCF = 0.03 (Net Debt 70.5m / FCF TTM 2.21b)
Total Stockholder Equity = 4.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.59% (Net Income 219.5m / Total Assets 37.07b)
RoE = 5.46% (Net Income TTM 219.5m / Total Stockholder Equity 4.02b)
RoCE = 5.57% (EBIT 266.6m / Capital Employed (Equity 4.02b + L.T.Debt 768.7m))
RoIC = 4.57% (NOPAT 211.2m / Invested Capital 4.63b)
WACC = 11.33% (E(5.19b)/V(6.05b) * Re(10.40%) + D(860.3m)/V(6.05b) * Rd(21.41%) * (1-Tc(0.21)))
Discount Rate = 10.40% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 9.58%
[DCF Debug] Terminal Value 68.81% ; FCFE base≈1.43b ; Y1≈1.33b ; Y5≈1.23b
Fair Price DCF = 106.4 (DCF Value 15.16b / Shares Outstanding 142.5m; 5y FCF grow -8.54% → 3.0% )
EPS Correlation: 30.37 | EPS CAGR: 9.88% | SUE: -0.11 | # QB: 0
Revenue Correlation: 96.25 | Revenue CAGR: 33.21% | SUE: 1.09 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.86 | Chg30d=+0.016 | Revisions Net=+6 | Analysts=9
EPS next Year (2026-12-31): EPS=3.69 | Chg30d=+0.061 | Revisions Net=+6 | Growth EPS=+16.6% | Growth Revenue=+15.0%

Additional Sources for AUB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle