Atlantic Union Bankshares (AUB) AI Stock Analysis

• Market Cap: $4.25B
• Dividend Yield: 4.55%
• Average Volume (3M): 1.43M
• Price to Earnings (P/E): 13.7
• Beta (1Y): 1.21
• Revenue Growth: 26.09%
• EPS Growth: -19.05%
• Country: US
• Employees: 2,128
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 0.57
• Shares Outstanding: 142,468,490
• 10 Day Avg. Volume: 2,112,540
• 30 Day Avg. Volume: 1,432,782
• PEG Ratio: -1.26
• Price to Book (P/B): 1.11
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 6.57
• Enterprise Value/Market Cap: 0.91
• Enterprise Value/Revenue: 1.43
• Enterprise Value/Gross Profit: 3.20
• Enterprise Value/Ebitda: 3.37
• 1Y Price Target: $35.75
• Price Target Upside: 19.73% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4

• Rating: 72 Outperform
• Price Target: $33.00 ▲(10.52%Upside)

Atlantic Union Bankshares scores well due to solid financial performance, attractive valuation, and positive corporate events. While technical indicators show mixed signals, strategic acquisitions and dividend stability provide confidence in future growth prospects.

Positive Factors

Loan Growth

The loan pipeline increase bodes well for loan growth, with mid-single digit loan growth guidance considered achievable.

Valuation

The upgrade to Strong Buy reflects the attractive valuation for a desirable franchise likely to show significant improvement in financial performance.

Negative Factors

Loan Growth Demand

There is downside risk to consensus estimates for loan growth on weaker industry-wide demand and as AUB diversifies its loan portfolio from CRE.

Loan Growth Risk

There is more risk to AUB's loan growth outlook than peers given their geographic footprint and efforts to gradually diversify their loan portfolio over time.

Atlantic Union Bankshares Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Atlantic Union Bankshares makes money primarily through interest income derived from its loan portfolio and securities. The bank lends to individuals and businesses, earning interest on loans such as mortgages, personal loans, and commercial loans. Additionally, it generates revenue through non-interest income, which includes fees from services like wealth management, account maintenance, transaction services, and mortgage banking. The company also benefits from strategic partnerships and investments that enhance its service offerings and expand its market reach. A significant portion of its earnings comes from the spread between the interest it earns on loans and the interest it pays on deposits, known as the net interest margin.

Atlantic Union Bankshares Financial Statement Overview

Summary

Atlantic Union Bankshares demonstrates a solid financial standing with consistent revenue and strong cash flow management. There are some concerns with return on equity, but overall, the company maintains a balanced approach to growth and stability, with moderate leverage and efficient cash flows.

Income Statement

The income statement shows a steady revenue stream with a slight decline in the TTM compared to the previous year. Gross profit margin remains healthy, indicating strong core operations. Net profit margin is stable, though slightly lower in the recent period. The company shows good control over its costs, with improving EBIT and EBITDA margins.

Balance Sheet

The balance sheet reflects a stable financial position with a reasonable debt-to-equity ratio, suggesting manageable leverage. The equity ratio is robust, indicating solid asset backing. However, the return on equity has been decreasing, reflecting potential inefficiencies in generating returns for shareholders.

Cash Flow

Cash flow analysis reveals strong operating cash flow, supporting a healthy cash generation capability. Free cash flow growth is consistent, and both operating and free cash flow ratios to net income indicate efficient cash utilization. This reflects effective cash management strategies.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
1.22B	1.35B	696.27M	696.21M	677.07M	686.78M
	Gross Profit
1.21B	817.42M	696.27M	683.76M	677.07M	686.78M
	EBIT
201.19M	259.79M	233.11M	270.85M	318.76M	186.29M
	EBITDA
294.88M	295.11M	261.60M	325.39M	369.49M	229.40M
	Net Income Common Stockholders
209.18M	209.13M	201.82M	234.51M	263.92M	158.23M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
2.92B	2.64B	2.61B	3.06B	4.28B	3.03B
	Total Assets
24.63B	24.59B	21.17B	20.46B	20.06B	19.63B
	Total Debt
475.69M	478.30M	1.31B	1.71B	506.59M	589.83M
	Net Debt
45.51M	128.17M	947.50M	1.39B	-293.08M	98.55M
	Total Liabilities
21.45B	21.44B	18.61B	18.09B	17.35B	16.92B
	Stockholders Equity
3.19B	3.14B	2.56B	2.37B	2.71B	2.71B
Cash Flow		Free Cash Flow
303.91M	301.06M	258.87M	401.11M	328.39M	202.35M
	Operating Cash Flow
311.58M	308.46M	278.05M	403.96M	264.71M	231.92M
	Investing Cash Flow
-65.82M	-295.69M	-591.99M	-1.26B	-345.44M	-1.92B
	Financing Cash Flow
-204.86M	-36.83M	383.42M	375.18M	316.86M	1.74B

Atlantic Union Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 29.86
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AUB, the sentiment is Negative. The current price of 29.86 is below the 20-day moving average (MA) of 30.30, above the 50-day MA of 28.60, and below the 200-day MA of 34.50, indicating a neutral trend. The MACD of 0.32 indicates Positive momentum. The RSI at 47.84 is Neutral, neither overbought nor oversold. The STOCH value of 7.12 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AUB.

Atlantic Union Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AX	80 Outperform	$4.01B	9.81	17.80%	―	15.93%	0.17%
ABCB	76 Outperform	$4.18B	11.25	10.19%	1.31%	7.16%	31.69%
IBOC	76 Outperform	$3.89B	9.53	15.20%	2.22%	4.24%	0.38%
AUB	72 Outperform	$4.25B	13.67	7.30%	4.55%	26.09%	-19.05%
BANF	72 Outperform	$3.97B	18.12	14.14%	1.54%	11.42%	7.58%
ASB	69 Neutral	$3.83B	27.10	3.23%	3.99%	0.21%	-12.02%
Sector *	65 Neutral	$12.76B	9.91	7.89%	78.91%	12.06%	-7.95%

Atlantic Union Bankshares Corporate Events

Atlantic Union Bankshares CFO Retirement Announcement

On May 22, 2025, Atlantic Union Bankshares announced the planned retirement of Robert M. Gorman, its executive vice president and chief financial officer, effective by March 31, 2026. Gorman, who has been instrumental in the company’s growth from a $4 billion asset community bank to a $40 billion regional leader, will continue in an advisory role post-retirement to ensure a smooth transition as the company conducts a nationwide search for his successor.

The most recent analyst rating on (AUB) stock is a Hold with a $38.00 price target. To see the full list of analyst forecasts on Atlantic Union Bankshares stock, see the AUB Stock Forecast page.

Atlantic Union Bankshares Discusses Sandy Spring Bancorp Acquisition

In a recent announcement, Atlantic Union Bankshares Corporation disclosed information regarding its management’s use of a handout during investor meetings in the second quarter of 2025. The company highlighted its recent acquisition of Sandy Spring Bancorp, Inc., and discussed the expected benefits, including accretion to earnings per share and other financial metrics. The announcement also addressed various risks and uncertainties that could impact the company’s future performance.

The most recent analyst rating on (AUB) stock is a Hold with a $38.00 price target. To see the full list of analyst forecasts on Atlantic Union Bankshares stock, see the AUB Stock Forecast page.

Atlantic Union Bankshares Appoints New Chief Risk Officer

On May 13, 2025, Atlantic Union Bankshares Corporation announced the appointment of Bradley S. Haun as the new chief risk officer, succeeding Sherry Williams, who will retire on July 1, 2025. Mr. Haun, who has been with the company since 2011, has held various roles, including executive vice president and chief audit executive, and is expected to bring his experience and leadership to enhance the company’s risk functions.

The most recent analyst rating on (AUB) stock is a Hold with a $38.00 price target. To see the full list of analyst forecasts on Atlantic Union Bankshares stock, see the AUB Stock Forecast page.

Atlantic Union Bankshares Declares Quarterly Dividends

On May 6, 2025, Atlantic Union Bankshares Corporation announced its Board of Directors declared a quarterly dividend of $0.34 per share of common stock, maintaining the same rate as the first quarter of 2025 and marking a 6% increase from the second quarter of 2024. Additionally, the Board declared a quarterly dividend on its 6.875% Perpetual Non-Cumulative Preferred Stock, Series A, with dividends payable in early June 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders.

Atlantic Union Bankshares Approves 2025 Stock Incentive Plan

On May 6, 2025, Atlantic Union Bankshares Corporation’s shareholders approved the 2025 Stock and Incentive Plan during the annual meeting. This plan, which replaces the 2021 Plan, reserves up to 2,500,000 shares for various equity awards to motivate employees and directors, aiming to enhance the company’s operational success and shareholder value. The meeting also saw the election of directors, the ratification of Ernst & Young LLP as the independent auditor for 2025, and the approval of executive compensation, reflecting shareholder support for the company’s strategic initiatives.

Atlantic Union Bankshares Discusses Sandy Spring Acquisition

On May 6, 2025, Atlantic Union Bankshares Corporation’s executive officers presented at the Annual Meeting of Shareholders, discussing the company’s recent acquisition of Sandy Spring Bancorp, Inc. The acquisition is expected to enhance earnings per share and improve various financial metrics, although it comes with integration challenges and market uncertainties.

Atlantic Union Completes Merger with Sandy Spring Bancorp

Atlantic Union Bankshares reported a net income of $46.9 million for the first quarter of 2025, with earnings per share of $0.53. The company completed its merger with Sandy Spring Bancorp on April 1, 2025, acquiring 53 branches and enhancing its presence in Virginia and Maryland. The merger is expected to accelerate cost savings and strengthen Atlantic Union’s market position as the largest regional banking franchise in the lower Mid-Atlantic. Despite a solid start to the year with net interest margin expansion and loan growth, the company increased its loan loss reserves due to economic uncertainties.

Atlantic Union Bankshares Completes Merger with Sandy Spring

On April 1, 2025, Atlantic Union Bankshares Corporation completed its merger with Sandy Spring Bancorp, Inc., creating the largest regional banking franchise in the lower Mid-Atlantic. The merger, valued at approximately $1.3 billion, strengthens Atlantic Union’s presence in Virginia and Maryland and is expected to deliver long-term shareholder value. As a result of the merger, Sandy Spring’s subsidiary bank was merged into Atlantic Union Bank, and Sandy Spring Common Stock was delisted from Nasdaq.