AUB Stock Analysis: Atlantic Union Bankshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 5.521m USD | 12M Return: 13.2% | US04911A1079 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 46.1M
EPS Trend: 68.2%
Qual. Beats: 0
Rev. Trend: 99.0%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Atlantic Union Bankshares Corporation (NYSE: AUB) is the holding company for Atlantic Union Bank, a U.S. financial institution that provides banking and related financial products and services to both consumers and businesses. As a regional bank within the Financials sector, it primarily operates across two segments: Wholesale Banking and Consumer Banking. Regional banks like AUB typically concentrate their lending and deposit activities within defined geographic markets, generating the majority of revenue from net interest income-the spread between interest earned on loans and interest paid on deposits and other funding sources.
The company accepts a range of deposit products, including checking, savings, money market, and time deposit accounts, along with certificates of deposit. On the lending side, it originates commercial real estate, commercial and industrial, residential mortgage, and consumer loans, and offers debit and credit cards. Beyond traditional banking, AUB provides ancillary fee-based services such as treasury management, capital markets, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products. Distribution is conducted through full-service branches, ATMs, and digital mobile and internet banking channels.
Originally founded in 1902 and headquartered in Glen Allen, Virginia, the company was previously known as Union Bankshares Corporation before adopting its current name in May 2019. It trades on the NYSE under the ticker AUB and is classified within the Regional Banks sub-industry of the GICS Financials sector.
- Net interest margin expands as deposit costs stabilize
- Commercial real estate loan portfolio growth drives core earnings
- Wealth management fees scale with rising client assets
| Net Income: 487.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -4.35 > 1.0 |
| NWC/Revenue: -1.38k% < 20% (prev -1.79k%; Δ 409.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 542.4m > Net Income 487.3m |
| Net Debt (735.4m) to EBITDA (663.0m): 1.11 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (142.1m) vs 12m ago 0.27% < -2% |
| Gross Margin: 67.89% > 18% (prev 55.39%; Δ 12.50% > 0.5%) |
| Asset Turnover: 5.86% > 50% (prev 4.40%; Δ 1.47% > 0%) |
| Interest Coverage Ratio: 0.91 > 6 (EBIT TTM 617.1m / Interest Expense TTM 677.0m) |
| A: -0.80 (Total Current Assets 990.3m - Total Current Liabilities 31.6b) / Total Assets 38.1b |
| B: 0.04 (Retained Earnings 1.36b / Total Assets 38.1b) |
| C: 0.02 (EBIT TTM 617.1m / Avg Total Assets 37.7b) |
| D: 0.16 (Book Value of Equity 5.15b / Total Liabilities 32.9b) |
| Altman-Z'' = -4.88 = D |
As of September 27, 2026, the stock is trading at USD 38.78 with a total of 1,440,897 shares traded. Over the past week, the price has changed by -0.64%, over one month by -4.29%, over three months by -6.12% and over the past year by +13.19%.
Current recommended Stop Loss: 37.80 (which is 2.5% or 1.3 ATR below the current price).
Atlantic Union Bankshares has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy AUB.
- StrongBuy: 2
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 47.5 | 22.5% |
P/E Trailing = 11.2711
P/E Forward = 9.0992
P/S = 3.6619
P/B = 1.0778
P/EG = 1.0848
Revenue TTM = 2.21b USD
EBIT TTM = 617.1m USD
EBITDA TTM = 663.0m USD
Long Term Debt = 775.7m USD (from longTermDebt, last quarter)
Short Term Debt = 950.0m USD (from shortTermDebt, last quarter)
Debt = 1.73b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 735.4m USD (calculated: Debt 1.73b - CCE 990.3m)
Enterprise Value = 6.26b USD (5.52b + Debt 1.73b - CCE 990.3m)
Interest Coverage Ratio = 0.91 (Ebit TTM 617.1m / Interest Expense TTM 677.0m)
EV/FCF = 12.10x (Enterprise Value 6.26b / FCF TTM 517.1m)
FCF Yield = 8.26% (FCF TTM 517.1m / Enterprise Value 6.26b)
FCF Margin = 23.39% (FCF TTM 517.1m / Revenue TTM 2.21b)
Net Margin = 22.04% (Net Income TTM 487.3m / Revenue TTM 2.21b)
Gross Margin = 67.89% ((Revenue TTM 2.21b - Cost of Revenue TTM 709.9m) / Revenue TTM)
Gross Margin QoQ = 69.94% (prev 69.05%)
Tobins Q-Ratio = 0.16 (Enterprise Value 6.26b / Total Assets 38.1b)
Interest Expense / Debt = 39.23% (Interest Expense 677.0m / Debt 1.73b)
Taxrate = 21.04% (129.8m / 617.1m)
NOPAT = 487.3m (EBIT 617.1m * (1 - 21.04%))
Current Ratio = 0.03 (Total Current Assets 990.3m / Total Current Liabilities 31.6b)
Debt / Equity = 0.33 (Debt 1.73b / totalStockholderEquity, last quarter 5.15b)
Debt / EBITDA = 1.11 (Net Debt 735.4m / EBITDA 663.0m)
Debt / FCF = 1.42 (Net Debt 735.4m / FCF TTM 517.1m)
Total Stockholder Equity = 5.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.29% (Net Income 487.3m / Total Assets 38.1b)
RoE = 9.68% (Net Income TTM 487.3m / Total Stockholder Equity 5.03b)
RoCE = 10.63% (EBIT 617.1m / Capital Employed (Equity 5.03b + L.T.Debt 775.7m))
RoIC = 6.62% (NOPAT 487.3m / Invested Capital 7.37b)
WACC = 14.87% (E(5.52b)/V(7.25b) * Re(9.84%) + D(1.73b)/V(7.25b) * Rd(39.23%) * (1-Tc(0.21)))
Discount Rate = 9.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 90.06 | Cagr: 32.70%
[DCF] Terminal Value 52.86% ; FCFF base≈1.16b ; Y1≈1.02b ; Y5≈822.6m
[DCF] Fair Price = 39.98 (EV 6.45b - Net Debt 735.4m = Equity 5.71b / Shares 142.8m; r=14.87% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 68.22 | EPS CAGR: 7.96% | SUE: 0.21 | # QB: 0
Revenue Correlation: 98.98 | Revenue CAGR: 38.06% | SUE: 0.91 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.96 | Chg30d=+0.11% | Revisions=+36% | Analysts=9
EPS current Year (2026-12-31): EPS=3.77 | Chg30d=+0.06% | Revisions=+36% | GrowthEPS=+9.6% | GrowthRev=+12.2%
EPS next Year (2027-12-31): EPS=4.04 | Chg30d=+0.06% | Revisions=+30% | GrowthEPS=+7.1% | GrowthRev=+3.6%
[Analyst] Revisions Ratio: +42% (up=17, down=6)