AUB

Atlantic Union Bankshares Corporation

Fundamental data last updated:June 3, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/23/2026

Business Summary

Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses. The company accepts various deposit products, including checking, savings, NOW, time deposit, and money market accounts; certificates of deposit; and other depository services. It also provides loans for commercial, industrial, residential mortgage, and consumer purposes. In addition, the company offers credit cards, automated teller machine (ATM) services, mobile and internet banking services, and online bill payment services, as well as financial planning, trust, and wealth management services. Further, it provides securities, brokerage, and investment advisory products and services; and originates and sells residential loan products in the secondary market. As of February 25, 2022, it operated 130 branches and approximately 150 ATMs in Virginia, Maryland, and North Carolina. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Richmond, Virginia.

 


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VALUATION

P/E

15.46

Market Cap ($M USD)

$5.40B

Forward P/E

7.52

PEG

0.07

PRICE TO SALES

2.46

PRICE TO BOOK

1.06

EV / EBITDA

13.03

5-Year Average P/E

Free Cash Flow Yield

42.19%

DCF Value

$58.55

Graham Number

$44.25

Price to FCF

2.37

EV to FCF

2.74

Earnings Yield

6.47%

FCF Yield

42.19%

DIVIDEND

Yield

3.84%

Annual Payout

$1.45

Payout Ratio

61.94%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$2.44

Next Year EPS Growth Estimate

$5.02

Next Year Revenue Growth Estimate

$171.51B

Return on Equity (ROE)

6.99%

FREE CASH FLOW

Operating Margin

19.68%

Debt-to-Equity

0.30

Piotroski F-Score

7

Altman Z-Score

0.24

Return on Invested Capital (ROIC)

1.18%

Current Ratio

0.85

Quick Ratio

0.85

Net Debt to EBITDA

1.78

Interest Coverage

0.61

Gross Profit margin

63.01%

FCF PER SHARE

$16.08

REVENUE PER SHARE

$15.50

Analyze AUB on TradingView

Gainseekers Quantitative Analysis

Summary

AUB Atlantic Union Bankshares Corporation appears to be a compelling opportunity for value investors. Recent pricing indicated it traded significantly below its DCF value and Graham Number, suggesting a market mispricing. The Forward P/E of 7.56 and an Earnings Yield of 6.43% highlight its potential for growth at a reasonable price. However, the Altman Z-score of 0.24 raises red flags about financial distress, demanding caution. Overall, the valuation metrics suggest a stock that might be undervalued, but with inherent risks that need careful consideration.

AI Exposure / Tech Reliance

Operating in the regional banking sector, AUB is well-positioned to leverage AI and tech advancements to enhance customer service and operational efficiency. As banks increasingly adopt digital solutions, AUB's ability to integrate these technologies will be crucial. Their adaptability could determine their competitive edge in a rapidly evolving financial landscape.

The Bull Case

For the value-driven investor, AUB offers a tantalizing prospect. With a robust Piotroski F-Score of 7, the company demonstrates strong financial health and operational efficiency. Its Free Cash Flow Yield of 0.42% and a solid operating margin of 19.68% suggest effective capital management and pricing power. The ROIC of 1.18%, while modest, indicates a disciplined approach to reinvestment, making it an attractive buy for those seeking growth at a reasonable price.

The Bear Case

Despite its strengths, AUB faces significant structural risks. The Altman Z-score of 0.24 is a glaring indicator of potential financial instability, and the low interest coverage ratio of 0.61 suggests vulnerability in meeting debt obligations. Additionally, the stock's proximity to its 52-week high, with a mere 11.12% distance, could imply overextension. These factors, combined with a modest ROIC, paint a picture of a company that must navigate carefully to avoid pitfalls.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$45.38

Institutional Ownership %

1-Year Beta

0.80

Insider Buying % (6 Mo)

Distance to 52-Week High

11.74%

Distance to 52-Week Low

22.25%

EARNINGS SURPRISE %

1.14%

50-DAY SMA

$36.91

200-DAY SMA

$36.10

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.