Atlantic Union Bankshares (AUB) AI Stock Analysis

• Market Cap: $5.22B
• Dividend Yield: 3.79%
• Average Volume (3M): 1.14M
• Price to Earnings (P/E): 19.6
• Beta (1Y): 1.11
• Revenue Growth: 43.53%
• EPS Growth: -21.74%
• Country: US
• Employees: 2,128
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.84
• Shares Outstanding: 142,518,160
• 10 Day Avg. Volume: 1,384,716
• 30 Day Avg. Volume: 1,136,024
• PEG Ratio: -1.64
• Price to Book (P/B): 1.04
• Price to Sales (P/S): 2.42
• P/FCF Ratio: 10.84
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 3.10
• Enterprise Value/Gross Profit: 5.38
• Enterprise Value/Ebitda: 17.95
• 1Y Price Target: $42.42
• Price Target Upside: 15.74% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 79 Outperform
• Price Target: $40.00 ▲(9.14% Upside)

Atlantic Union Bankshares demonstrates strong financial performance with effective cash flow management and a stable balance sheet. The technical indicators show bullish momentum, and the valuation is supported by a reasonable P/E ratio and attractive dividend yield. Positive sentiment from the earnings call and strategic corporate events further bolster the stock's outlook.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Improved Credit Quality

Improved credit quality reduces risk and enhances financial health, ensuring better asset management and profitability.

Dividend Increase

Increasing dividends reflect strong cash flow and confidence in future earnings, enhancing shareholder value and investment appeal.

Negative Factors

Merger-Related Costs

Ongoing merger-related costs can strain resources and impact profitability, posing challenges to achieving cost efficiency.

Increased Charge-Offs

Rising charge-offs indicate potential credit risk issues, which could affect future earnings and require tighter credit controls.

Competition in Lending Markets

Heightened competition may pressure margins and limit growth opportunities, challenging the bank's ability to expand its loan portfolio.

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 generates revenue through several key streams including interest income, fees and commissions, and wealth management services. The majority of its income comes from interest earned on loans and investments, where the bank lends money at higher interest rates than what it pays to depositors. Additionally, the bank charges fees for services such as account maintenance, overdrafts, and transaction services. Wealth management services, which include investment advisory and trust services, also contribute to revenue through fees based on assets under management. Strategic partnerships with local businesses and community organizations enhance customer acquisition and retention, thereby bolstering earnings.

Atlantic Union Bankshares Financial Statement Overview

Summary

Atlantic Union Bankshares exhibits strong revenue growth and cash flow generation, positioning it well for future opportunities. However, declining profit margins and return on equity suggest challenges in maintaining profitability. The improved leverage and stable equity position provide a solid foundation for continued growth.

Income Statement

Atlantic Union Bankshares has demonstrated strong revenue growth with a 17.75% increase in TTM, indicating a positive trajectory. However, the gross profit margin has decreased from 64.12% in 2023 to 55.39% in TTM, suggesting potential pressure on cost management. The net profit margin has also declined from 19.31% in 2023 to 12.43% in TTM, reflecting reduced profitability. Despite these challenges, the company maintains a healthy EBIT margin of 14.77% and EBITDA margin of 17.15% in TTM.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.18 in TTM from 0.51 in 2023, indicating better leverage management. However, the return on equity has decreased to 5.68% in TTM from 7.89% in 2023, suggesting a decline in profitability relative to shareholder equity. The equity ratio remains strong, reflecting a stable financial position.

Cash Flow

Atlantic Union Bankshares has shown impressive free cash flow growth of 595.52% in TTM, highlighting robust cash generation capabilities. The operating cash flow to net income ratio is low at 0.01, indicating potential inefficiencies in converting income to cash. However, the free cash flow to net income ratio remains strong at 97.55%, underscoring effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.82B	1.35B	1.05B	778.96M	711.16M	784.94M
Gross Profit	1.05B	767.33M	670.27M	683.76M	730.95M	599.64M
EBITDA	314.91M	295.11M	280.86M	325.39M	369.49M	229.40M
Net Income	219.53M	209.13M	201.82M	234.51M	263.92M	158.23M
Balance Sheet
Total Assets	37.07B	24.59B	21.17B	20.46B	20.06B	19.63B
Cash, Cash Equivalents and Short-Term Investments	860.67M	2.79B	2.60B	3.06B	4.28B	3.03B
Total Debt	860.31M	534.62M	1.31B	1.71B	506.59M	840.72M
Total Liabilities	32.16B	21.44B	18.61B	18.09B	17.35B	16.92B
Stockholders Equity	4.92B	3.14B	2.56B	2.37B	2.71B	2.71B
Cash Flow
Free Cash Flow	2.21B	301.06M	272.94M	416.82M	328.39M	202.35M
Operating Cash Flow	2.22B	308.46M	278.05M	419.67M	337.79M	231.92M
Investing Cash Flow	-482.15M	-295.69M	-603.28M	-1.28B	-345.44M	-1.92B
Financing Cash Flow	-1.47B	-36.83M	383.42M	375.18M	316.86M	1.74B

Atlantic Union Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AUB, the sentiment is Positive. The current price of 36.65 is above the 20-day moving average (MA) of 33.90, above the 50-day MA of 33.62, and above the 200-day MA of 31.64, indicating a bullish trend. The MACD of 0.81 indicates Negative momentum. The RSI at 69.24 is Neutral, neither overbought nor oversold. The STOCH value of 87.03 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AUB.

Atlantic Union Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UBSI	80 Outperform	$5.50B	12.85	8.24%	3.80%	8.83%	15.49%
AUB	79 Outperform	$5.22B	19.64	5.42%	3.79%	43.53%	-21.74%
ABCB	78 Outperform	$5.33B	13.49	10.34%	1.03%	2.20%	20.88%
AX	78 Outperform	$4.84B	11.43	16.65%	―	1.66%	-9.31%
HWC	72 Outperform	$5.49B	11.76	11.11%	2.74%	-0.78%	25.39%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FFIN	63 Neutral	$4.52B	18.67	13.89%	2.34%	12.90%	16.92%

Atlantic Union Bankshares Corporate Events

Atlantic Union Bankshares Outlines Strategic Growth Plans

On December 10, 2025, Atlantic Union Bankshares hosted an Investor Day at the New York Stock Exchange, where the executive management team outlined the company’s strategic priorities and future plans. The presentation included updated financial outlooks for 2025 and 2026, and medium-term financial targets, reflecting the company’s focus on strategic growth and expansion, particularly in North Carolina, and its acquisition of Sandy Spring Bancorp, Inc.

Atlantic Union Bankshares Plans December Investor Day

Atlantic Union Bankshares Corporation announced it will host an investor day at the New York Stock Exchange on December 10, 2025. The event will feature presentations by the executive management team, including the President and CEO, CFO, and COO, discussing the company’s strategic priorities and future plans. Attendees can participate either in person or virtually, with pre-registration required.

Atlantic Union Bankshares Discusses Q4 2025 Investor Insights

Atlantic Union Bankshares Corporation has released a handout for meetings with investors and analysts in the fourth quarter of 2025. The document includes insights on the company’s acquisition of Sandy Spring Bancorp, Inc., and outlines strategic priorities, market opportunities, and financial outlooks. The release highlights the company’s expansion strategy and potential impacts on its operations and market positioning.

Atlantic Union Bankshares Increases Quarterly Dividend by 8.8%

On October 30, 2025, Atlantic Union Bankshares Corporation announced an 8.8% increase in its quarterly dividend to $0.37 per share of common stock, payable on November 28, 2025, reflecting a dividend yield of approximately 4.5% based on the October 29, 2025 closing price. Additionally, the company declared a quarterly dividend on its 6.875% Perpetual Non-Cumulative Preferred Stock, Series A, with a dividend of $171.88 per share, equivalent to $0.43 per depositary share, payable on December 1, 2025, to holders of record as of November 14, 2025.

Atlantic Union Bankshares Reports Q3 2025 Financial Results

Atlantic Union Bankshares reported a net income of $89.2 million for the third quarter of 2025, with adjusted operating earnings of $119.7 million. The company experienced a decrease in net interest income due to lower interest income on loans held for sale, influenced by the sale of $2.0 billion in commercial real estate loans. Despite these challenges, Atlantic Union is committed to achieving expectations related to its acquisition of Sandy Spring Bancorp, Inc. The bank’s asset quality improved with a decrease in nonperforming assets, although net charge-offs increased due to specific loan charge-offs.

Atlantic Union Bankshares to Release Q3 2025 Results

On October 1, 2025, Atlantic Union Bankshares Corporation announced it will release its third quarter 2025 financial results on October 23, 2025, before the market opens. The company will also host a conference call and webcast for investors on the same day to discuss these results and recent activities, providing stakeholders with insights into its financial performance and strategic direction.