Atlantic Union Bankshares (AUB) AI Stock Analysis

• Market Cap: $4.76B
• Dividend Yield: 4.03%
• Average Volume (3M): 1.11M
• Price to Earnings (P/E): 17.9
• Beta (1Y): 1.23
• 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: 142,511,050
• 10 Day Avg. Volume: 1,122,954
• 30 Day Avg. Volume: 1,105,482
• 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: 1.16
• Enterprise Value/Revenue: 3.37
• Enterprise Value/Gross Profit: 6.09
• Enterprise Value/Ebitda: 19.66
• 1Y Price Target: $40.42
• Price Target Upside: 21.02% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6

• Rating: 72 Outperform
• Price Target: $36.00 ▲(7.78% Upside)

Atlantic Union Bankshares' strong financial performance and positive earnings call sentiment are significant strengths, supporting a solid overall score. However, technical indicators suggest bearish momentum, and valuation metrics indicate moderate attractiveness. The company's ability to manage merger-related costs and competition will be crucial for future performance.

Positive Factors

Revenue Growth

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

Improved Leverage Management

Improved leverage management enhances financial flexibility and reduces risk, positioning the company for sustainable growth and investment opportunities.

Successful Integration of Sandy Spring

Successful integration of acquisitions can lead to cost synergies and expanded market presence, strengthening the company's competitive position.

Negative Factors

Declining Profit Margins

Declining profit margins can indicate rising costs or pricing pressures, potentially impacting long-term profitability and financial health.

Increased Competition in Loan Markets

Heightened competition may limit market share expansion and pressure interest margins, challenging the company's growth and profitability.

Merger-Related Costs

Ongoing merger-related costs can strain resources and delay the realization of anticipated synergies, impacting short to medium-term financial performance.

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 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 a solid financial standing with consistent revenue and strong cash flow management. While profitability metrics are stable, there are areas of concern in terms of return on equity. 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	1.64B	1.35B	1.05B	778.96M	711.16M	784.94M
Gross Profit	908.54M	767.33M	670.27M	683.76M	730.95M	599.64M
EBITDA	281.22M	295.11M	280.86M	325.39M	369.49M	229.40M
Net Income	203.81M	209.13M	201.82M	234.51M	263.92M	158.23M
Balance Sheet
Total Assets	37.29B	24.59B	21.17B	20.46B	20.06B	19.63B
Cash, Cash Equivalents and Short-Term Investments	1.69B	2.79B	2.60B	3.06B	4.28B	3.03B
Total Debt	892.77M	534.62M	1.31B	1.71B	506.59M	840.72M
Total Liabilities	32.46B	21.44B	18.61B	18.09B	17.35B	16.92B
Stockholders Equity	4.83B	3.14B	2.56B	2.37B	2.71B	2.71B
Cash Flow
Free Cash Flow	2.13B	301.06M	272.94M	416.82M	328.39M	202.35M
Operating Cash Flow	2.13B	308.46M	278.05M	419.67M	337.79M	231.92M
Investing Cash Flow	173.92M	-295.69M	-603.28M	-1.28B	-345.44M	-1.92B
Financing Cash Flow	-1.16B	-36.83M	383.42M	375.18M	316.86M	1.74B

Atlantic Union Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 33.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 33.4 is below the 20-day moving average (MA) of 34.64, below the 50-day MA of 35.07, and above the 200-day MA of 32.41, indicating a neutral trend. The MACD of -0.45 indicates Positive momentum. The RSI at 43.25 is Neutral, neither overbought nor oversold. The STOCH value of 39.72 is Neutral, 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
ABCB	―	$5.01B	12.64	10.34%	1.10%	5.95%	25.95%
AX	―	$4.56B	10.81	17.42%	―	9.00%	-2.90%
AUB	―	$4.76B	17.90	5.42%	4.03%	43.53%	-21.74%
UBSI	―	$5.17B	11.98	8.25%	4.05%	8.85%	15.56%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HWC	―	$4.82B	10.18	11.12%	3.14%	-0.59%	―
FFIN	―	$4.48B	18.57	13.89%	2.36%	12.90%	16.92%

Atlantic Union Bankshares Corporate Events

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.

The most recent analyst rating on (AUB) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Atlantic Union Bankshares stock, see the AUB Stock Forecast page.

Atlantic Union Bankshares 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.

The most recent analyst rating on (AUB) stock is a Hold with a $41.00 price target. To see the full list of analyst forecasts on Atlantic Union Bankshares stock, see the AUB Stock Forecast page.

Atlantic Union Bankshares 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.

The most recent analyst rating on (AUB) stock is a Buy with a $46.00 price target. To see the full list of analyst forecasts on Atlantic Union Bankshares stock, see the AUB Stock Forecast page.

Atlantic Union Bankshares: Positive Earnings Call Highlights

Atlantic Union Bankshares Corporation recently held its earnings call, revealing a generally positive sentiment despite some challenges. The successful integration of the Sandy Spring acquisition, strong loan growth, improved net interest margin, and solid credit quality were highlighted as significant achievements. However, the company faced challenges with merger accounting noise, seasonally slow deposit growth, and an elevated non-performing assets (NPA) percentage.

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.

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 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.

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.