A Business at a Glance
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Atlantic Union Bankshares Corp
AUB
$5.4B
Mkt Cap
$42.23
+0.17%
Atlantic Union Bankshares Corp (AUB) has a current P/E ratio of 20.8, compared to its historical median P/E of 13.9. The stock is currently considered Expensive based on its historical valuation range.
Atlantic Union Bankshares Corp (AUB) has a 5-year average return on invested capital (ROIC) of 6.8%. This is below average and may indicate limited pricing power.
Atlantic Union Bankshares Corp (AUB) has a market capitalization of $6.0B. It is classified as a mid-cap stock.
Yes, Atlantic Union Bankshares Corp (AUB) pays a dividend with a trailing twelve-month yield of 3.57%.
Based on historical P/E analysis, Atlantic Union Bankshares Corp (AUB) appears expensive. The current P/E of 20.8 is 50% above its historical median of 13.9. The estimated fair value CAGR (P/E method) is 0.6%.
Atlantic Union Bankshares Corp (AUB) operates in the State Commercial Banks industry, within the Financials sector.
Atlantic Union Bankshares Corp (AUB) reported annual revenue of $2.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
Atlantic Union Bankshares Corporation is a financial holding company and bank holding company organized under the laws of the Commonwealth of Virginia and registered under the BHCA. We are headquartered in Richmond, Virginia and provide a wide range of financial services and products to commercial and retail clients through our wholly owned subsidiary bank, Atlantic Union Bank, a Federal Reserve member bank charted under the laws of the Commonwealth of Virginia. The Bank is headquartered in Richmond, Virginia and operates branches and ATMs located in Virginia, Maryland, Washington, D.C., and North Carolina. In addition, our non-bank financial services affiliates include Atlantic Union Equipment Finance, Inc., which provides equipment financing; AUB Investments, Inc., which provides investment services; and Atlantic Union Capital Markets, Inc., which provides capital market services. At December 31, 2025, we had $37.6 billion in assets, $27.8 billion in LHFI, $30.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.5B | 2.0B | 1.3B | 1.0B | 779M | 718M |
| Net Income | 334M | 262M | 197M | 190M | 223M | 252M |
| EPS | $2.36 | $2.03 | $2.24 | $2.53 | $2.97 | $3.26 |
| Free Cash Flow | 2.3B | 2.2B | 301M | 273M | 417M | 328M |
| ROIC | 5.7% | 5.6% | 6.1% | 6.7% | 7.6% | 8.0% |
| Gross Margin | - | 60.4% | 57.0% | 64.1% | 88.5% | 86.1% |
| Debt/Equity | 0.26 | 0.30 | 0.17 | 0.51 | 0.72 | 0.19 |
| Dividends/Share | $1.51 | $1.39 | $1.30 | $1.22 | $1.16 | $1.09 |
| Operating Income | 44M | 40M | 14M | 39M | 19M | 18M |
| Operating Margin | 2.9% | 1.9% | 1.0% | 3.7% | 2.5% | 2.5% |
| ROE | 6.6% | 6.4% | 6.9% | 7.7% | 8.8% | 9.3% |
| Shares Outstanding | 142M | 129M | 88M | 75M | 75M | 77M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 336M | 342M | 354M | 391M | 633M | 832M | 785M | 718M | 779M | 1.0B | 1.3B | 2.0B | 1.5B |
| Gross Margin | 91.8% | 90.0% | 89.1% | 84.4% | 81.7% | 77.9% | 77.0% | 86.1% | 88.5% | 64.1% | 57.0% | 60.4% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 108M | 104M | 111M | 116M | 159M | 195M | 207M | 215M | 229M | 237M | 271M | 402M | 440M |
| EBIT | 3.2M | 5.4M | 102M | 105M | 179M | 18M | 18M | 18M | 19M | 39M | 14M | 40M | 44M |
| Op. Margin | 1.0% | 1.6% | 28.8% | 26.8% | 28.3% | 2.1% | 2.3% | 2.5% | 2.5% | 3.7% | 1.0% | 1.9% | 2.9% |
| Net Income | 52M | 67M | 77M | 73M | 146M | 194M | 153M | 252M | 223M | 190M | 197M | 262M | 334M |
| Net Margin | 15.5% | 19.6% | 21.9% | 18.6% | 23.1% | 23.3% | 19.4% | 35.1% | 28.6% | 18.2% | 14.7% | 12.8% | 21.9% |
| Non-Recurring | -184K | -89K | 0 | 0 | 20M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 5.5% | 5.2% | 5.7% | 5.1% | 7.2% | 6.3% | 4.5% | 8.0% | 7.6% | 6.7% | 6.1% | 5.6% | 5.7% |
| ROE | 7.4% | 6.8% | 7.8% | 7.1% | 9.8% | 8.7% | 5.8% | 9.3% | 8.8% | 7.7% | 6.9% | 6.4% | 6.6% |
| ROA | 0.9% | 0.9% | 1.0% | 0.8% | 1.3% | 1.2% | 0.8% | 1.3% | 1.1% | 0.9% | 0.9% | 0.8% | 0.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 127M | 111M | 94M | 110M | 217M | 195M | 232M | 338M | 420M | 278M | 308M | 2.2B | 2.3B |
| Free Cash Flow | 120M | 107M | 88M | 101M | 215M | 179M | 202M | 328M | 417M | 273M | 301M | 2.2B | 2.3B |
| Owner Earnings | 106M | 90M | 73M | 88M | 184M | 153M | 191M | 298M | 384M | 245M | 263M | 2.1B | 2.1B |
| CapEx | 7.1M | 3.9M | 6.3M | 9.3M | 1.7M | 16M | 30M | 9.4M | 2.9M | 5.1M | 7.4M | 12M | 17M |
| Maint. CapEx | 21M | 19M | 17M | 17M | 27M | 34M | 32M | 30M | 25M | 22M | 32M | 77M | 149M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 21M | 19M | 17M | 17M | 27M | 34M | 32M | 30M | 25M | 22M | 32M | 77M | 149M |
| CapEx/OCF | 5.7% | 3.5% | 6.8% | 8.4% | 0.8% | 8.2% | 12.8% | 2.8% | 0.7% | 1.8% | 2.4% | 0.6% | 0.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 25M | 29M | 34M | 35M | 58M | 78M | 79M | 84M | 87M | 103M | 124M | 192M | 214M |
| Dividend Yield | 3.3% | 3.9% | 3.9% | 3.1% | 3.0% | 3.5% | 4.7% | 3.5% | 3.8% | 4.9% | 4.2% | 4.6% | 3.6% |
| Share Buybacks | 53M | 16M | 33M | 0 | 0 | 80M | 50M | 125M | 48M | 0 | 0 | 0 | 0 |
| Buyback Yield | 6.7% | 2.0% | 2.9% | N/A | N/A | 3.3% | 2.3% | 5.0% | 2.1% | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 979K | 1.4M | 3.3M | 4.6M | 6.1M | 8.3M | 9.3M | 10M | 11M | 11M | 14M | 24M | 8.6M |
| Debt Repayment | 0 | 10M | 58M | 10M | 40M | 221M | 620M | 365M | 0 | 0 | 0 | 200M | 200M |
| Balance Sheet | |||||||||||||
| Net Debt | 554M | 538M | 811M | 46M | -280M | -868M | -2.2B | -296M | 1.4B | 934M | 181M | 531M | 524M |
| Cash & Equiv. | 133M | 143M | 179M | 199M | 261M | 436M | 493M | 803M | 320M | 378M | 354M | 966M | 780M |
| Long-Term Debt | 300M | 291M | 413M | 425M | 668M | 1.1B | 490M | 389M | 390M | 391M | 418M | 772M | 775M |
| Debt/Equity | 0.70 | 0.68 | 0.99 | 1.17 | 0.91 | 0.60 | 0.31 | 0.19 | 0.72 | 0.51 | 0.17 | 0.30 | 0.26 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 213.8 |
| Equity | 977M | 995M | 1.0B | 1.0B | 1.9B | 2.5B | 2.7B | 2.7B | 2.4B | 2.6B | 3.1B | 5.0B | 5.1B |
| Total Assets | 7.4B | 7.7B | 8.4B | 9.3B | 13.8B | 17.6B | 19.6B | 20.1B | 20.5B | 21.2B | 24.6B | 37.6B | 37.3B |
| Total Liabilities | 6.4B | 6.7B | 7.4B | 8.3B | 11.8B | 15.0B | 16.9B | 17.4B | 18.1B | 18.6B | 21.4B | 32.6B | 32.3B |
| Intangibles | 32M | 23M | 21M | 15M | 49M | 74M | 57M | 43M | 27M | 19M | 85M | 316M | 300M |
| Retained Earnings | 262M | 298M | 342M | 379M | 467M | 581M | 616M | 784M | 920M | 1.0B | 1.1B | 1.2B | 1.3B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.13 | 1.49 | 1.77 | 1.67 | 2.22 | 2.41 | 1.93 | 3.26 | 2.97 | 2.53 | 2.24 | 2.03 | 2.36 |
| Owner EPS | 2.29 | 2.01 | 1.67 | 2.02 | 2.79 | 1.90 | 2.41 | 3.85 | 5.12 | 3.27 | 2.98 | 16.56 | 15.10 |
| Book Value | 21.17 | 22.11 | 22.87 | 23.96 | 29.21 | 31.30 | 34.26 | 35.05 | 31.65 | 34.05 | 35.69 | 38.81 | 35.56 |
| Cash Flow/Share | 2.76 | 2.46 | 2.14 | 2.53 | 3.29 | 2.43 | 2.93 | 4.37 | 5.60 | 3.70 | 3.50 | 17.35 | 3.40 |
| Dividends/Share | 0.58 | 0.68 | 0.77 | 0.81 | 0.88 | 0.96 | 1.00 | 1.09 | 1.16 | 1.22 | 1.30 | 1.39 | 1.51 |
| Shares Out. | 46.2M | 45.0M | 43.8M | 43.7M | 65.9M | 80.3M | 79.1M | 77.3M | 75.0M | 75.1M | 88.1M | 129.0M | 142.1M |
| Valuation | |||||||||||||
| P/E Ratio | 14.9 | 12.3 | 15.0 | 16.7 | 9.8 | 12.5 | 14.3 | 10.0 | 10.3 | 13.5 | 16.1 | 17.8 | 17.9 |
| P/FCF | 6.5 | 7.7 | 13.3 | 12.0 | 6.7 | 13.6 | 10.8 | 7.7 | 5.5 | 9.4 | 10.6 | 2.1 | 2.6 |
| EV/EBIT | 336.3 | 215.0 | N/A | N/A | N/A | 83.9 | N/A | 105.9 | 171.2 | 81.9 | 227.8 | 123.4 | 147.4 |
| Price/Book | 0.8 | 0.8 | 1.2 | 1.2 | 0.7 | 1.0 | 0.8 | 0.9 | 1.0 | 1.0 | 1.0 | 0.9 | 1.2 |
| Price/Sales | 2.4 | 2.4 | 2.5 | 3.3 | 3.6 | 3.4 | 2.5 | 3.6 | 3.3 | 3.0 | 3.6 | 3.0 | 3.9 |
| FCF Yield | 15.4% | 13.0% | 7.5% | 8.3% | 15.0% | 7.4% | 9.3% | 13.1% | 18.2% | 10.7% | 9.5% | 47.8% | 38.1% |
| Market Cap | 780M | 826M | 1.2B | 1.2B | 1.4B | 2.4B | 2.2B | 2.5B | 2.3B | 2.6B | 3.2B | 4.7B | 6.0B |
| Avg. Price | 16.79 | 16.64 | 19.55 | 25.82 | 29.10 | 27.99 | 21.30 | 31.09 | 30.81 | 28.34 | 33.68 | 32.18 | 42.23 |
| Year-End Price | 16.89 | 18.35 | 26.59 | 27.89 | 21.82 | 30.22 | 27.53 | 32.52 | 30.62 | 34.06 | 36.14 | 36.07 | 42.23 |
Atlantic Union Bankshares Corp passes 3 of 9 quality checks, indicating weak fundamentals.
Atlantic Union Bankshares Corp trades at 20.8x trailing earnings, compared to its 15-year median P/E of 13.9x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 2.7x vs a median of 10.0x. The company's 5-year average ROIC is 6.8% with a gross margin of 71.2%. Total shareholder yield (dividends) is 3.6%. At current prices, the estimated annualized return to fair value is +14.2%.
Atlantic Union Bankshares Corp (AUB) has a net profit margin of 12.8%. This is a healthy margin.
Atlantic Union Bankshares Corp (AUB) generated $2.2 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Atlantic Union Bankshares Corp (AUB) has a debt-to-equity ratio of 0.30. This indicates a conservatively financed balance sheet.
Atlantic Union Bankshares Corp (AUB) reported earnings per share (EPS) of $2.03 in its most recent fiscal year.
Atlantic Union Bankshares Corp (AUB) has a return on equity (ROE) of 6.4%. This indicates moderate shareholder returns.
Atlantic Union Bankshares Corp (AUB) has a 5-year average gross margin of 71.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for Atlantic Union Bankshares Corp (AUB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Atlantic Union Bankshares Corp (AUB) has a book value per share of $38.81, based on its most recent annual SEC filing.
No recent press releases.