Atlantic Union Bankshares (AUB) AI Stock Analysis

• Market Cap: $4.98B
• Dividend Yield: 3.9%
• Average Volume (3M): 1.20M
• Price to Earnings (P/E): 17.1
• Beta (1Y): 1.24
• Revenue Growth: 37.25%
• EPS Growth: -8.67%
• Country: US
• Employees: 2,128
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.95
• Shares Outstanding: 142,511,050
• 10 Day Avg. Volume: 1,049,144
• 30 Day Avg. Volume: 1,201,178
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.03
• Enterprise Value/Revenue: 3.67
• Enterprise Value/Gross Profit: 6.41
• Enterprise Value/Ebitda: 17.24
• 1Y Price Target: $39.00
• Price Target Upside: 11.72% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4

• Rating: 77 Outperform
• Price Target: $38.00 ▲(8.85% Upside)

Atlantic Union Bankshares scores well due to its solid financial performance and positive technical indicators. The successful acquisition and strategic initiatives further enhance its position. While there are some challenges, such as increased non-performing assets and merger costs, the company's strategic focus on growth and shareholder value supports a strong overall score.

Positive Factors

Earnings

Core NIM expansion is expected to continue, as assets reprice higher, which could positively impact earnings.

Loan Growth

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

Valuation and Financial Performance

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

Negative Factors

Government Spending

Weaker loan growth and risk of higher idiosyncratic loan losses from reduced government spending contribute to an equal-weight rating.

Industry 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 Risks

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 (AUB) is a bank holding company headquartered in Richmond, Virginia. It operates through its primary subsidiary, Atlantic Union Bank, which offers a wide range of financial services including personal and commercial banking, mortgage lending, and wealth management services. The company serves customers across Virginia and surrounding states, focusing on providing tailored banking solutions to meet the needs of individuals, businesses, and communities.

How the Company Makes Money

Atlantic Union Bankshares generates revenue primarily through interest income from loans and investments. The bank's loan portfolio includes commercial loans, residential mortgages, and consumer loans, which contribute significantly to its earnings as borrowers pay interest over time. Additionally, the bank earns non-interest income through fees associated with various banking services, including account maintenance fees, transaction fees, and service charges. Wealth management services also provide a steady income stream as clients pay for investment advisory and financial planning services. The company may engage in partnerships with other financial institutions or technology firms to enhance its service offerings, further diversifying its revenue sources. Overall, the combination of interest income and fee-based services forms the backbone of Atlantic Union Bankshares' revenue model.

Atlantic Union Bankshares Financial Statement Overview

Summary

Atlantic Union Bankshares demonstrates solid financial standing with consistent revenue and strong cash flow management. While profitability metrics are stable, return on equity is decreasing, reflecting potential inefficiencies in generating returns for shareholders. Cash flow management remains highly effective.

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

Atlantic Union Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 34.91
• 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 34.91 is above the 20-day moving average (MA) of 32.96, above the 50-day MA of 32.35, and above the 200-day MA of 33.30, indicating a bullish trend. The MACD of 0.73 indicates Negative momentum. The RSI at 66.03 is Neutral, neither overbought nor oversold. The STOCH value of 86.73 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
AX	80 Outperform	$5.09B	12.09	17.42%	―	9.00%	-2.90%
ABCB	79 Outperform	$4.93B	12.70	10.46%	1.04%	5.16%	25.95%
AUB	77 Outperform	$4.98B	17.15	5.18%	3.90%	37.25%	-8.67%
ASB	72 Outperform	$4.37B	34.89	3.07%	3.45%	-1.23%	-34.14%
Sector *	68 Neutral	$17.69B	11.82	10.30%	3.73%	9.66%	0.42%
BANF	68 Neutral	$4.43B	19.02	14.43%	1.40%	9.63%	15.57%
IBOC	68 Neutral	$4.49B	10.94	14.71%	1.94%	1.99%	2.08%

Atlantic Union Bankshares Corporate Events

Atlantic Union Bankshares Acquires Sandy Spring Bancorp

Atlantic Union Bankshares Corporation has issued a handout for investor meetings during the third quarter of 2025, detailing its recent acquisition of Sandy Spring Bancorp, Inc. The release discusses the anticipated benefits of the acquisition, including cost savings and strategic gains, while also addressing potential risks and uncertainties that could impact future performance. The company is focused on expanding its market share, particularly in North Carolina and Maryland, and is navigating various economic and regulatory challenges.

Atlantic Union Bankshares Announces Increased Quarterly Dividend

On July 24, 2025, Atlantic Union Bankshares Corporation announced that its Board of Directors declared a quarterly dividend of $0.34 per share of common stock, reflecting a 6% increase from the previous year. Additionally, a quarterly dividend on the company’s 6.875% Perpetual Non-Cumulative Preferred Stock, Series A, was declared, with a payment of $171.88 per share, equivalent to $0.43 per depositary share, scheduled for September 2, 2025. These announcements indicate the company’s stable financial performance and commitment to returning value to shareholders.

Atlantic Union Bankshares Reports Q2 2025 Financial Results

Atlantic Union Bankshares reported its second-quarter financial results for 2025, highlighting a net income of $16.8 million and adjusted operating earnings of $135.1 million. The quarter was marked by the completion of the Sandy Spring Bancorp acquisition on April 1, 2025, which significantly increased the company’s assets and liabilities. The acquisition led to various financial adjustments, including merger-related costs and provisions for credit losses. The company also completed the sale of $2.0 billion in commercial real estate loans, generating a $15.7 million pre-tax gain. These activities reflect Atlantic Union’s strategic focus on sustainable growth and profitability, despite the initial costs associated with the merger.

Atlantic Union Bankshares to Announce Q2 2025 Results

On July 2, 2025, Atlantic Union Bankshares Corporation announced it will release its second quarter 2025 financial results on July 24, 2025, before the market opens. Following the release, the company will host a conference call and webcast to discuss the results and recent activities, providing stakeholders with insights into its financial performance and operational updates.

Atlantic Union Bankshares Completes $2 Billion Loan Sale

On June 26, 2025, Atlantic Union Bankshares Corporation announced the completion of a significant transaction involving the sale of approximately $2 billion of commercial real estate loans to Blackstone Real Estate Debt Strategies. This sale, part of Atlantic Union’s merger with Sandy Spring Bancorp, allows the company to reduce its CRE concentration and use the proceeds to pay down high-cost deposits and enhance its securities portfolio, demonstrating its strategic execution capabilities and potential for future growth.

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.