Atlantic Union Bankshares Corporation (AUB)
NYSE:AUB
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Atlantic Union Bankshares
(NYSE:AUB)
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Rating:63Neutral
Price Target:
$42.00
▲(10.44% Upside)
Action:DowngradedDate:02/27/26
The score is held back primarily by weakened 2025 cash flow and higher leverage despite strong revenue growth. Offsetting this, the latest earnings call/guidance was positive with strong adjusted profitability, solid credit quality, and integration progress, while technicals are mildly supportive and valuation/dividend are moderately attractive.
Positive Factors
Accelerating Revenue Growth
Material top-line acceleration reflects successful scale-up from acquisitions and organic loan growth. Durable revenue expansion expands funding of operating costs, funds loan growth targets, and supports capital build, lowering execution risk for the next several quarters.
Negative Factors
Material Cash Flow Weakening
A sharp decline in operating and free cash flow materially reduces internally generated liquidity used for capital returns, loan growth, or contingency buffers. Over 2–6 months this raises reliance on external funding and constrains tactical capital deployment if trends persist.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue Growth
Material top-line acceleration reflects successful scale-up from acquisitions and organic loan growth. Durable revenue expansion expands funding of operating costs, funds loan growth targets, and supports capital build, lowering execution risk for the next several quarters.
Read all positive factors
Atlantic Union Bankshares (AUB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.42B
Dividend Yield3.83%
Average Volume (3M)1.05M
Price to Earnings (P/E)11.2
Beta (1Y)1.13
Revenue Growth43.53%
EPS Growth-21.74%
CountryUS
Employees2,128
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.97
Shares Outstanding142,603,970
10 Day Avg. Volume849,845
30 Day Avg. Volume1,051,445
Financial Highlights & Ratios
PEG Ratio-1.61
Price to Book (P/B)1.00
Price to Sales (P/S)2.47
P/FCF Ratio58.57
Enterprise Value/Market Cap1.23
Enterprise Value/Revenue3.31
Enterprise Value/Gross Profit5.43
Enterprise Value/Ebitda16.86
Forecast
1Y Price Target
$44.10Price Target Upside15.96% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)3.76
Revenue Forecast (FY)$1.58B
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
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...
Atlantic Union Bankshares Earnings Call Summary
Earnings Call Date:Jan 22, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 21, 2026
Earnings Call Sentiment Positive
The call conveyed robust operating performance following the Sandy Spring acquisition: strong loan growth, NIM expansion, top-tier adjusted returns (ROTCE and efficiency), improved asset quality, tangible book growth, and reiterated 2026 guidance. Key negatives were sizable merger-related pretax charges that depressed GAAP results, seasonal deposit outflows in Q4, some elevated noninterest expenses (including episodic fraud losses), and the acknowledged variability of accretion and swap income. Management presented clear integration progress, a path to cost savings, and constructive capital deployment plans (dividend increase and potential buybacks when excess capital criteria are met). Overall the positive operating fundamentals and outlook outweighed the transitory and integration-related headwinds.Positive Updates
Strong Q4 Loan Growth and Refilled Pipeline
Loans held for investment rose to $27.8B, up $435M (≈6.3% annualized) in Q4; management reported the loan pipeline was higher at quarter end versus quarter start and reiterated 2026 year-end loan guidance of $29B–$30B.
Negative Updates
Material Merger-Related Charges
Merger-related pretax costs materially affected reported results: $38.6M excluded in Q4 and $157.3M excluded for full-year 2025; these items reduced GAAP reported earnings (reported net income available to common was $109M, EPS $0.77 in Q4).
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Q4 Loan Growth and Refilled Pipeline
Loans held for investment rose to $27.8B, up $435M (≈6.3% annualized) in Q4; management reported the loan pipeline was higher at quarter end versus quarter start and reiterated 2026 year-end loan guidance of $29B–$30B.
Read all positive updates
Company Guidance
Management reiterated its full‑year 2026 outlook: year‑end loans of $29–$30 billion and deposits of $31.5–$32.5 billion; allowance for credit losses to loans of roughly 115–120 bps with a net charge‑off ratio guided to 10–15 bps; full‑year fully tax‑equivalent net interest income of $1.35–$1.375 billion (inclusive of accretion) and a projected FTE NIM of about 3.94% (assuming two 25‑bp Fed cuts in April and September); purchase‑account accretion modeled at roughly $150–$160 million; noninterest income of $220–$230 million and adjusted operating noninterest expense of $750–$760 million (about $188 million/quarter average, with a modestly higher Q1 due to seasonality); tangible book value per share growth targeted at 12–15% and a goal to be in the top quartile of peers, with excess capital above ~10.5% CET1 available for potential buybacks; management also noted only modest residual merger‑related costs (under ~$5 million) in Q1 and that regulatory capital ratios remain comfortably above well‑capitalized levels.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 | 2.02B | 1.35B | 1.05B | 778.96M | 711.16M |
| Gross Profit | 1.23B | 767.33M | 670.27M | 683.76M | 730.95M |
| EBITDA | 396.52M | 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
38.03
Price Trends
37.44
Positive
36.44
Positive
34.75
Positive
Market Momentum
0.17
Negative
69.32
Neutral
93.87
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 38.03 is above the 20-day moving average (MA) of 35.34, above the 50-day MA of 37.44, and above the 200-day MA of 34.75, indicating a bullish trend. The MACD of 0.17 indicates Negative momentum. The RSI at 69.32 is Neutral, neither overbought nor oversold. The STOCH value of 93.87 is Negative, 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $4.46B | 16.86 | 14.16% | 2.42% | 12.90% | 16.92% | |
71 Outperform | $5.62B | 12.33 | 10.41% | 1.02% | 2.20% | 20.88% | |
70 Outperform | $5.49B | 10.54 | 11.06% | 2.74% | -0.78% | 25.39% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $5.31B | 9.54 | 16.59% | ― | 1.66% | -9.31% | |
63 Neutral | $5.42B | 11.17 | 6.10% | 3.83% | 43.53% | -21.74% | |
61 Neutral | $6.11B | 11.61 | 8.60% | 3.77% | 8.83% | 15.49% |
* Financial Sector Average
AUB
Atlantic Union Bankshares
38.03
14.95
64.77%
ABCB
Ameris Bancorp
82.86
31.75
62.12%
AX
Axos Financial
92.50
34.17
58.58%
FFIN
First Financial Bankshares
31.16
0.15
0.47%
HWC
Hancock Whitney
67.23
21.02
45.47%
UBSI
United Bankshares
43.84
12.81
41.27%
Atlantic Union Bankshares Corporate Events
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...
Business Operations and StrategyFinancial Disclosures
Atlantic Union Bankshares outlines 2026 strategy and outlook
Neutral
Jan 30, 2026
Atlantic Union Bankshares has released an investor presentation to be used by management in meetings with investors, analysts and other stakeholders during the first quarter of 2026, outlining its strategic priorities, financial outlook for 2026, ...
Dividends
Atlantic Union Bankshares Declares Quarterly Common and Preferred Dividends
Positive
Jan 29, 2026
On January 29, 2026, Atlantic Union Bankshares Corporation announced that its board declared a quarterly common stock dividend of $0.37 per share, unchanged from the fourth quarter of 2025 but $0.03, or 8.8%, higher than the first quarter of 2025;...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Atlantic Union Bankshares Reports Strong Q4 2025 Earnings
Positive
Jan 22, 2026
On January 22, 2026, Atlantic Union Bankshares reported that for the fourth quarter of 2025 it generated net income available to common shareholders of $109.0 million, or $0.77 per share, and adjusted operating earnings of $138.4 million, or $0.97...
Financial Disclosures
Atlantic Union Schedules Q4 and Full-Year 2025 Results
Neutral
Dec 30, 2025
Atlantic Union Bankshares Corporation announced on December 30, 2025, that it will release its fourth-quarter and full-year 2025 financial results before markets open on Thursday, January 22, 2026, followed by a conference call and webcast for inv...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Atlantic Union Bankshares Outlines Strategic Growth Plans
Positive
Dec 10, 2025
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 financ...
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.