(AUB) Atlantic Union Bankshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 5.393m USD | Total Return: 33.7% in 12m
Avg Turnover: 32.9M
EPS Trend: 68.7%
Qual. Beats: 0
Rev. Trend: 99.1%
Qual. Beats: 4
Warnings
Share dilution 57.8% YoY
Tailwinds
No distinct edge detected
Atlantic Union Bankshares Corporation (NYSE: AUB) is a regional bank holding company headquartered in Virginia. Operating through Wholesale and Consumer Banking segments, the firm provides a comprehensive suite of financial services, including commercial and residential lending, treasury management, wealth management, and insurance products. Founded in 1902, the company maintains a physical branch network supplemented by digital banking infrastructure.
As a regional bank, Atlantic Union Bankshares relies heavily on the interest rate spread between its loan portfolio and deposit costs to drive net interest income. The company’s business model is centered on the Mid-Atlantic region, where regional banks often compete by leveraging localized market knowledge and relationship-based lending to small and mid-sized enterprises.
To evaluate how these operational segments impact long-term valuation, you may find further analysis on ValueRay useful. The company continues to focus on diversifying its non-interest income through investment management and mortgage banking services.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Loan growth trajectory within the Mid-Atlantic commercial real estate sector
- Integration of American National Bankshares merger drives operational cost synergies
- Credit quality performance across wholesale and consumer lending portfolios
- Deposit beta management amidst competitive regional banking landscape pressures
| Net Income: 346.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: -3.56% < 20% (prev -1.27k%; Δ 1.26k% < -1%) |
| CFO/TA 0.06 > 3% & CFO 2.30b > Net Income 346.1m |
| Net Debt (853.2m) to EBITDA (478.2m): 1.78 < 3 |
| Current Ratio: 0.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (142.1m) vs 12m ago 57.78% < -2% |
| Gross Margin: 63.01% > 18% (prev 0.57%; Δ 6.24k% > 0.5%) |
| Asset Turnover: 7.09% > 50% (prev 5.66%; Δ 1.44% > 0%) |
| Interest Coverage Ratio: 0.61 > 6 (EBITDA TTM 478.2m / Interest Expense TTM 704.3m) |
| A: -0.00 (Total Current Assets 451.4m - Total Current Liabilities 529.6m) / Total Assets 37.3b |
| B: 0.03 (Retained Earnings 1.25b / Total Assets 37.3b) |
| C: 0.01 (EBIT TTM 432.3m / Avg Total Assets 31.0b) |
| D: 0.04 (Book Value of Equity 1.16b / Total Liabilities 32.3b) |
| Altman-Z'' = 0.23 = B |
As of May 24, 2026, the stock is trading at USD 37.56 with a total of 757,830 shares traded.
Over the past week, the price has changed by +3.39%,
over one month by +0.91%,
over three months by -3.37% and
over the past year by +33.66%.
Atlantic Union Bankshares has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy AUB.
- StrongBuy: 2
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 44.1 | 17.5% |
P/E Forward = 10.2775
P/S = 3.8483
P/B = 1.0674
P/EG = 1.0848
Revenue TTM = 2.20b USD
EBIT TTM = 432.3m USD
EBITDA TTM = 478.2m USD
Long Term Debt = 775.0m USD (from longTermDebt, last quarter)
Short Term Debt = 529.6m USD (from shortTermDebt, last quarter)
Debt = 1.30b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 853.2m USD (calculated: Debt 1.30b - CCE 451.4m)
Enterprise Value = 6.25b USD (5.39b + Debt 1.30b - CCE 451.4m)
Interest Coverage Ratio = 0.61 (Ebit TTM 432.3m / Interest Expense TTM 704.3m)
EV/FCF = 16.83x (Enterprise Value 6.25b / FCF TTM 371.1m)
FCF Yield = 5.94% (FCF TTM 371.1m / Enterprise Value 6.25b)
FCF Margin = 16.89% (FCF TTM 371.1m / Revenue TTM 2.20b)
Net Margin = 15.75% (Net Income TTM 346.1m / Revenue TTM 2.20b)
Gross Margin = 63.01% ((Revenue TTM 2.20b - Cost of Revenue TTM 812.7m) / Revenue TTM)
Gross Margin QoQ = 68.12% (prev 69.28%)
Tobins Q-Ratio = 0.17 (Enterprise Value 6.25b / Total Assets 37.3b)
Interest Expense / Debt = 53.98% (Interest Expense 704.3m / Debt 1.30b)
Taxrate = 20.98% (32.4m / 154.6m)
NOPAT = 341.6m (EBIT 432.3m * (1 - 20.98%))
Current Ratio = 0.03 (Total Current Assets 451.4m / Total Current Liabilities 17.3b)
Debt / Equity = 0.26 (Debt 1.30b / totalStockholderEquity, last quarter 5.05b)
Debt / EBITDA = 1.78 (Net Debt 853.2m / EBITDA 478.2m)
Debt / FCF = 2.30 (Net Debt 853.2m / FCF TTM 371.1m)
Total Stockholder Equity = 4.95b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.12% (Net Income 346.1m / Total Assets 37.3b)
RoE = 6.99% (Net Income TTM 346.1m / Total Stockholder Equity 4.95b)
RoCE = 7.55% (EBIT 432.3m / Capital Employed (Equity 4.95b + L.T.Debt 775.0m))
RoIC = 0.93% (NOPAT 341.6m / Invested Capital 36.9b)
WACC = 8.36% (E(5.39b)/V(6.70b) * Re(10.38%) + (debt cost/tax rate unavailable))
Discount Rate = 10.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 81.48 | Cagr: 32.84%
[DCF] Terminal Value 77.94% ; FCFF base≈317.3m ; Y1≈363.7m ; Y5≈535.3m
[DCF] Fair Price = 50.25 (EV 8.04b - Net Debt 853.2m = Equity 7.19b / Shares 143.1m; r=8.36% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 68.67 | EPS CAGR: 6.75% | SUE: 0.19 | # QB: 0
Revenue Correlation: 99.06 | Revenue CAGR: 37.54% | SUE: 0.87 | # QB: 4
EPS current Quarter (2026-06-30): EPS=0.91 | Chg30d=-1.80% | Revisions=-8% | Analysts=9
EPS next Quarter (2026-09-30): EPS=0.95 | Chg30d=-1.72% | Revisions=-27% | Analysts=9
EPS current Year (2026-12-31): EPS=3.73 | Chg30d=-0.91% | Revisions=-33% | GrowthEPS=+8.3% | GrowthRev=+11.4%
EPS next Year (2027-12-31): EPS=3.99 | Chg30d=-1.37% | Revisions=-60% | GrowthEPS=+7.2% | GrowthRev=+4.7%
[Analyst] Revisions Ratio: -60%