Atlantic Union Bankshares Corporation AUB R2K

Financial Services · Banks - Regional · United States

https://www.atlanticunionbank.com

Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. The company operates in two segments, Wholesale Banking and Consumer Banking. It accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. The company provides loans for commercial real estate, commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. 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 Glen Allen, Virginia.

Market & Price

Market Cap

$5.38B

Current Price

$37.62

High / Low (52W)

$40.99 / $28.47

Beta

0.80

Valuation

Stock P/E

16.08

Industry PE

12.01

Forward P/E

9.42

PEG Ratio

1.08

Book Value

$35.56

Price to Book

1.06

P/S

3.84

EV/EBITDA

Dividend Yield

3.85%

Profitability & Returns

ROCE

ROE

8.40%

ROA

1.12%

Profit Margin

24.70%

Op Margin

51.02%

EPS (Latest Qtr)

$0.84

EPS (TTM)

$2.34

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$1.59B

Total Assets

$37.59B

Current Assets

Working Capital

Ownership

Promoter Holding

0.89%

Chg in Prom Hold

-0.01%

FII / Inst Holding

87.54%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$6.09B

Total Revenue (TTM)

$1.40B

EBITDA

Free Cash Flow

Operating Cash Flow

$2.30B

Shares Outstanding

143.12M

Gross Margin

0.00%

Payout Ratio

60.68%

Growth (CAGR)

Revenue 5Y

25.05%

Profit 5Y

5.29%

Revenue (YoY)

86.20%

Earnings (YoY)

61.50%

PROS

Excellent profit margin of 24.7%.
Compounding revenue at 25.1% over 5 years.
Attractive dividend yield of 3.85%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	AUB Atlantic Union Bankshares Corporation R2K	37.62	16.08	$5.38B	3.85%	-	8.40%	25.05%	5.29%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	212.08M	401.62M	369.03M	391.63M	364.31M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	121.67M	189.00M	184.23M	171.67M	159.36M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	61.51M	17.49M	116.28M	141.72M	154.61M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.69M	-2.30M	24.14M	29.75M	32.44M
Net Income	7.95M	7.71M	14.67M	14.82M	15.70M	15.35M	18.22M	16.96M	19.34M	20.40M	19.12M	17.96M	20.66M	16.64M	47.33M	38.20M	35.63M	48.82M	53.24M	7.09M	30.71M	61.00M	56.19M	85.38M	74.56M	43.69M	62.23M	58.07M	35.65M	55.24M	54.02M	49.77M	25.16M	76.42M	-	49.82M	19.79M	92.14M	111.97M	122.17M
Diluted EPS	0.32	0.16	0.32	0.32	0.35	0.34	0.40	0.38	0.44	0.47	0.44	0.41	0.47	0.25	0.72	0.58	0.47	0.59	0.65	0.09	0.39	0.74	0.67	1.05	0.94	0.54	0.79	0.74	0.44	0.70	0.68	0.62	0.25	0.82	-	0.52	0.12	0.63	0.77	0.84

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	702.78M	701.89M	817.42M	1.37B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	76.17M	343.44M	529.00M	666.57M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	279.95M	239.90M	259.79M	336.99M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	45.44M	38.08M	50.66M	63.28M
Net Income	-	-	30.45M	35.41M	34.37M	52.16M	67.08M	77.48M	72.92M	146.25M	193.53M	158.23M	-	234.51M	201.82M	209.13M	273.71M
Diluted EPS	0.19	0.83	1.07	1.37	1.37	1.13	1.49	1.77	1.67	2.22	2.41	1.93	-	2.97	2.53	2.24	2.03

Compounded Sales Growth

5 Years:	25.05%
1 Year:	86.20%

Compounded Profit Growth

5 Years:	5.29%
1 Year:	61.50%

Stock Price Performance

1 Year:	+30.61%
6 Months:	+11.92%
3 Months:	+2.52%
1 Month:	+2.21%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.84B	3.91B	4.10B	4.18B	7.36B	7.69B	8.43B	9.32B	13.77B	17.56B	19.63B	20.06B	20.46B	21.17B	24.59B	37.59B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	148.54M	45.91M	61.15M	96.66M	82.90M	73.02M	133.26M	142.66M	179.24M	199.37M	261.20M	436.03M	493.29M	802.50M	318.49M	364.36M	350.13M	940.27M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	3.41B	3.49B	3.66B	3.74B	6.38B	6.70B	7.43B	8.27B	11.84B	15.05B	16.92B	17.35B	18.09B	18.61B	21.44B	32.58B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	136.81M	-	-	-	-	-	-	-	-	-	389.86M	391.02M	418.34M	771.84M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.41B	1.11B	478.34M	1.42B
Total Equity	-	-	428.08M	421.64M	435.56M	437.81M	977.17M	995.37M	1.00B	1.05B	1.92B	2.51B	2.71B	2.71B	2.37B	2.56B	3.14B	5.01B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	74.71M	75.02M	89.77M	141.78M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	1.13M	45.80M	71.05M	-21.99M	157.03M	127.22M	110.92M	93.84M	110.33M	216.76M	194.80M	231.92M	-	419.67M	278.05M	308.46M	2.24B
Investing Cash Flow	-118.41M	165.33M	-17.89M	-141.70M	-218.69M	6.30M	-375.29M	-715.12M	-885.75M	-770.04M	-425.40M	-1.92B	-	-1.28B	-603.28M	-295.69M	-797.42M
Financing Cash Flow	14.66M	-195.89M	-17.65M	149.93M	51.78M	-73.29M	273.76M	657.85M	795.56M	615.10M	405.44M	1.74B	-	375.18M	383.42M	-36.83M	-827.58M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-2.85M	-5.10M	-7.39M	-12.41M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	416.82M	272.94M	301.06M	2.22B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-482.55M	58.18M	-24.06M	612.39M
Share Buybacks	-	-	-	14.45M	9.50M	52.60M	16.26M	33.18M	0	0	80.28M	49.88M	125.00M	48.23M	0	0	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	33.4%	28.8%	25.6%	19.9%
ROE %	-	-	7.2%	8.1%	7.8%	5.3%	6.7%	7.7%	7.0%	7.6%	7.7%	5.8%	-	9.9%	7.9%	6.7%	5.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.89%

Institutions

87.54%

Public Float

88.33%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.36%	20.56M	$773.39M
2	Vanguard Portfolio Management LLC	6.10%	8.73M	$328.39M
3	Dimensional Fund Advisors LP	5.34%	7.64M	$287.25M
4	State Street Corporation	5.15%	7.37M	$277.16M
5	Vanguard Capital Management LLC	4.45%	6.37M	$239.54M
6	T. Rowe Price Investment Management, Inc.	3.33%	4.77M	$179.45M
7	North Reef Capital Management LP	2.99%	4.29M	$161.20M
8	Geode Capital Management, LLC	2.44%	3.49M	$131.25M
9	Franklin Resources, Inc.	2.35%	3.36M	$126.37M
10	Earnest Partners LLC	1.72%	2.46M	$92.39M

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