Atlantic Union Bankshares Corporation (AUB)
NYSE:AUB
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Atlantic Union Bankshares
(NYSE:AUB)
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Rating:65Neutral
Price Target:
$40.00
▲(2.91% Upside)
Action:ReiteratedDate:05/02/26
The score is most constrained by weaker financial quality signals—especially the sharp cash flow deterioration and higher leverage alongside margin/ROE pressure. Offsetting this, valuation is favorable (low P/E and solid yield), and the latest earnings call was broadly constructive with clear guidance, strong adjusted profitability, and solid credit metrics. Technicals are neutral-to-slightly supportive but not strong enough to outweigh the fundamental cash flow and balance-sheet risks.
Positive Factors
Completed Sandy Spring integration
Closing the Sandy Spring integration and ending the measurement period removes ongoing merger-related uncertainty and nonrecurring costs, allowing reported operating results to normalize. This structurally improves visibility into earnings run-rate and supports realization of scale and cross-sell benefits over the next 2–6 months.
Negative Factors
Material cash-flow deterioration
A sharp drop in operating and free cash flow weakens internal funding capacity for loan growth, technology, dividends or buybacks. Sustained reduced cash generation would force greater reliance on external funding or slower capital returns, constraining strategic flexibility over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Completed Sandy Spring integration
Closing the Sandy Spring integration and ending the measurement period removes ongoing merger-related uncertainty and nonrecurring costs, allowing reported operating results to normalize. This structurally improves visibility into earnings run-rate and supports realization of scale and cross-sell benefits over the next 2–6 months.
Read all positive factors
Atlantic Union Bankshares (AUB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.39B
Dividend Yield3.83%
Average Volume (3M)1.02M
Price to Earnings (P/E)10.4
Beta (1Y)1.18
Revenue Growth60.27%
EPS Growth7.08%
CountryUS
Employees2,128
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.89
Shares Outstanding143,056,020
10 Day Avg. Volume878,357
30 Day Avg. Volume1,020,937
Financial Highlights & Ratios
PEG Ratio-1.46
Price to Book (P/B)0.91
Price to Sales (P/S)2.63
P/FCF Ratio53.21
Enterprise Value/Market Cap-11.34
Enterprise Value/Revenue-30.19
Enterprise Value/Gross Profit-49.55
Enterprise Value/Ebitda-153.97
Forecast
1Y Price Target
$43.67Price Target Upside12.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.76
Revenue Forecast (FY)$1.55B
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, savin...
How the Company Makes Money
AUB primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest collected on interest-earning assets (such as commercial loans, comme...
Atlantic Union Bankshares Earnings Call Summary
Earnings Call Date:Apr 21, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 23, 2026
Earnings Call Sentiment Positive
The call emphasizes disciplined execution, completion of the Sandy Spring integration, strong adjusted operating profitability (ROTCE 19.6%, adjusted ROA 1.41%), robust pipelines (record equipment finance and NC CRE production) and solid credit and capital metrics. Key near-term challenges highlighted include volatility in accretion income that pressured reported NIM (down 11 bps), deposit competition driving marginal deposit rates higher, one-time acquisition measurement adjustments, and elevated late-quarter CRE payoffs. Management provided constructive 2026 guidance (loans $29B–$30B, deposits $31B–$32B, NIM 3.90%–4.00%) and expects to have capital to support buybacks later in the year. On balance, positive operating performance, capital strength and clear guidance/plan outweigh the transitory and interest-rate/acceleration-driven headwinds.Positive Updates
Successful Integration of Sandy Spring and Completed Measurement Period
Integration of Sandy Spring Bank concluded; final goodwill set at $541 million and the 1-year acquisition measurement period closed as of March 31, removing further expected merger-related costs going forward.
Negative Updates
Reported NIM Pressure from Lower Accretion
Reported FTE net interest margin declined 11 basis points quarter-over-quarter to 3.85% primarily due to a $13 million QoQ reduction in loan accretion income (including a $3.5 million nonrecurring measurement-period adjustment), creating volatility in reported NII.
Read all updates
Q1-2026 Updates
Positive
Negative
Successful Integration of Sandy Spring and Completed Measurement Period
Integration of Sandy Spring Bank concluded; final goodwill set at $541 million and the 1-year acquisition measurement period closed as of March 31, removing further expected merger-related costs going forward.
Read all positive updates
Company Guidance
On the guidance front, management reiterated full‑year 2026 targets of year‑end loans of $29–30 billion and deposits of $31–32 billion, with the allowance for credit losses expected to remain about 115–120 bps of loans and a full‑year net charge‑off ratio guide of 10–15 bps (Q1 annualized NCOs were 2 bps); they now forecast fully taxable‑equivalent net interest income of $1.34–1.35 billion (inclusive of purchase accounting accretion of roughly $140–150 million) and a full‑year FTE NIM of 3.90%–4.00%, plus noninterest income of $220–230 million and adjusted operating noninterest expense of $742–752 million. For context, Q1 results included loans of $27.9 billion (≈2.2% annualized growth), deposits of $30.4 billion, adjusted operating earnings available to common shareholders of $126.2 million ($0.89/share) versus reported net income of $119.2 million ($0.84/share), adjusted operating ROTCE of 19.6%, adjusted operating ROA of 1.41% and an adjusted operating efficiency ratio of 49.9%, and management expects 12%–15% annual growth in tangible book value per share and top‑quartile peer returns.Atlantic Union Bankshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.73B | 1.35B | 1.05B | 778.96M | 711.16M |
| Gross Profit | 918.00M | 767.33M | 670.27M | 683.76M | 730.95M |
| EBITDA | 354.73M | 295.11M | 280.86M | 325.39M | 369.49M |
| Net Income | 273.71M | 209.13M | 201.82M | 234.51M | 263.92M |
Balance Sheet | |||||
| Total Assets | 37.59B | 24.59B | 21.17B | 20.46B | 20.06B |
| Cash, Cash Equivalents and Short-Term Investments | 4.43B | 2.79B | 2.60B | 3.06B | 4.28B |
| Total Debt | 1.50B | 534.62M | 1.31B | 1.71B | 506.59M |
| Total Liabilities | 32.58B | 21.44B | 18.61B | 18.09B | 17.35B |
| Stockholders Equity | 5.01B | 3.14B | 2.56B | 2.37B | 2.71B |
Cash Flow | |||||
| Free Cash Flow | 85.44M | 301.06M | 272.94M | 416.82M | 328.39M |
| Operating Cash Flow | 97.85M | 308.46M | 278.05M | 419.67M | 337.79M |
| Investing Cash Flow | -268.17M | -295.69M | -603.28M | -1.28B | -345.44M |
| Financing Cash Flow | 169.61M | -36.83M | 383.42M | 375.18M | 316.86M |
Atlantic Union Bankshares Technical Analysis
Positive
38.87
Price Trends
37.30
Positive
36.84
Positive
34.98
Positive
Market Momentum
0.59
Negative
65.31
Neutral
73.90
Neutral
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 38.87 is above the 20-day moving average (MA) of 36.52, above the 50-day MA of 37.30, and above the 200-day MA of 34.98, indicating a bullish trend. The MACD of 0.59 indicates Negative momentum. The RSI at 65.31 is Neutral, neither overbought nor oversold. The STOCH value of 73.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AUB.
Atlantic Union Bankshares Risk Analysis
Atlantic Union Bankshares disclosed 56 risk factors in its most recent earnings report. Atlantic Union Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Atlantic Union Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $4.62B | 14.74 | 14.20% | 2.42% | 10.26% | 13.77% | |
78 Outperform | $5.82B | 11.96 | 10.81% | 1.02% | 0.65% | 17.91% | |
69 Neutral | $5.47B | 9.65 | 16.59% | ― | 8.53% | 12.29% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $5.51B | 27.58 | 9.35% | 2.74% | -5.16% | ― | |
65 Neutral | $5.39B | 10.37 | 0.03% | 3.83% | 60.27% | 7.08% | |
61 Neutral | $6.12B | 11.64 | 9.26% | 3.77% | 10.95% | 32.19% |
* Financial Sector Average
AUB
Atlantic Union Bankshares
37.91
10.08
36.21%
ABCB
Ameris Bancorp
85.56
25.75
43.04%
AX
Axos Financial
87.41
20.04
29.75%
FFIN
First Financial Bankshares
32.56
-1.30
-3.83%
HWC
Hancock Whitney
67.17
14.70
28.01%
UBSI
United Bankshares
43.68
9.77
28.82%
Atlantic Union Bankshares Corporate Events
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Atlantic Union Bankshares Divests Bearing Insurance Group Stake
Positive
May 1, 2026
On May 1, 2026, Atlantic Union Bankshares Corporation completed the sale of its indirect subsidiary Union Insurance Group, LLC’s interest in Bearing Insurance Group, LLC to an unaffiliated third party, effective the same date. The company ex...
Business Operations and StrategyM&A Transactions
Atlantic Union Highlights Strategy in New Q2 2026 Presentation
Neutral
May 1, 2026
Atlantic Union Bankshares has released an investor presentation for use by management during meetings with investors, analysts and other stakeholders in the second quarter of 2026, covering the period from May to June 2026. The materials, availabl...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Atlantic Union Bankshares Posts Strong Q1 Results After Merger
Positive
Apr 21, 2026
Atlantic Union Bankshares reported first-quarter 2026 net income available to common shareholders of $119.2 million, or $0.84 per share, and adjusted operating earnings of $126.2 million, or $0.89 per share, reflecting what management described as...
Financial Disclosures
Atlantic Union Bankshares Schedules Q1 2026 Earnings Release
Neutral
Mar 31, 2026
On March 31, 2026, Atlantic Union Bankshares Corporation announced it will release its first quarter 2026 financial results before the market opens on Tuesday, April 21, 2026. The company will then host an investor conference call and webcast at 9...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Atlantic Union Bankshares Updates Q1 2026 Investor Presentation
Neutral
Mar 3, 2026
Atlantic Union Bankshares has released an updated investor presentation handout that its management will use in meetings with investors, analysts and other stakeholders during the first quarter of 2026. The materials, dated for use in February and...
Business Operations and StrategyExecutive/Board Changes
Atlantic Union Bankshares Names New Chief Financial Officer
Positive
Feb 24, 2026
On February 24, 2026, Atlantic Union Bankshares announced that Alexander D. Dodd, 49, will become executive vice president and chief financial officer of both the company and Atlantic Union Bank, effective April 13, 2026, succeeding long-serving C...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.