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AUB stock logo

AUB

Atlantic Union Bankshares Corporation

$38.11
-0.19
 (-0.5%)
Exchange:  NYSE
Market Cap:  5.443B
Shares Outstanding:  10.607M
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  John C. Asbury
Full Time Employees:  3064
Address: 
4300 Cox Road
Glen Allen
VA
23060
US
Website:  https://www.atlanticunionbank.com
Atlantic Union Bankshares Corporation (AUB) serves as the parent entity for Atlantic Union Bank, through which it delivers a comprehensive suite of banking and financial solutions to both individual consumers and corporate clients. Its offerings encompass a broad array of deposit options, including checking, savings, NOW, time deposit, and money market accounts, alongside certificates of deposit (CDs) and other associated depository services. Furthermore, the company extends credit through various loan products, covering commercial, industrial, residential mortgage, and consumer financing needs. Complementing these core services, it also issues credit cards and facilitates convenient access through automated teller machines (ATMs), mobile and online banking platforms, and digital bill payment functionalities. Additionally, clients can access specialized services such as financial planning, trust administration, and wealth management. The corporation further diversifies its portfolio by offering securities, brokerage, and investment advisory products. It also actively participates in the secondary market by originating and selling residential loan products. As of the data recorded on February 25, 2022, its physical presence included 130 branches and approximately 150 automated teller machines across Virginia, Maryland, and North Carolina. Established in 1902, the company maintains its headquarters in Richmond, Virginia. It previously operated under the name Union Bankshares Corporation before adopting its current identity, Atlantic Union Bankshares Corporation, in May 2019.

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Revenue Segmentation

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AUB full analysis

24/10/2025

Welcome to MARKETSNAP’s SWOT analysis for Atlantic Union Bankshares, also known by its ticker AUB. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it could be headed. So, grab a coffee, let’s break this down together, and see if this stock deserves a spot in your portfolio. First off,…

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
AUAUB logoAUBAtlantic Union Bankshares Corporation5.4B11.310.16.5%
ABABCB logoABCBAmeris Bancorp5.3B14.312.01.3%
GBGBCI logoGBCIGlacier Bancorp, Inc.5.7B17.314.41.0%
AVAVAL logoAVALGrupo Aval Acciones y Valores S.A.5.8B10.89.31.0%
HOHOMB logoHOMBHome Bancshares, Inc.5.8B11.611.51.9%
OZOZK logoOZKBank OZK5.0B7.38.01.7%

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/07/21 — 2 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,045,3271,346,4132,034,247
Gross Profit670,272767,3281,225,885
EBITDA280,859295,106381,051
Operating Income239,901259,794336,991
Net Income201,818209,131273,715

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets21,166,19724,585,32337,585,754
Total Liabilities18,609,87021,442,44432,579,356
Total Stockholders Equity2,556,3273,142,8795,006,398
Total Debt1,311,858534,617650,000
Cash and Cash Equivalents364,355350,130234,257

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow278,045308,4560
Capital Expenditure-5,101-7,3930
Free Cash Flow272,944301,0630
Net Income201,818209,131273,715
Net Change in Cash58,183-24,057-354,074

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)1,699,799.997Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)1,722,732.446Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)1,710,632.817Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)727,382.102Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)774,538.653Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)751,995.317Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)576,955.026Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)615,850.696Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)597,256.500Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)459,230.987Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)465,426.593Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)462,157.664Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)4.620Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)4.770Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)4.470Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.346B  ?P/S
 (TTM)
: 
2.43
?Net Income
 (TTM)
: 
209.131M  ?P/E
 (TTM)
: 
11.28
?Enterprise Value
 (TTM)
: 
6.1B  ?EV/FCF
 (TTM)
: 
11.8
?Dividend Yield
 (TTM)
: 
3.92%  ?Payout Ratio
 (TTM)
: 
44.96%
?ROE
 (TTM)
: 
9.68%  ?ROIC
 (TTM)
: 
6.52%
?Net Debt
 (TTM)
: 
423.554M  ?Debt/Equity
 (TTM)
: 
0.33
?P/B
 (TTM)
: 
1.04  ?Current Ratio
 (TTM)
: 
0.03

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
10.14Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

Strengths (preview)

  • Solid Financial Performance in Q2 2025: As highlighted in the earnings call transcript, Atlantic Union Bankshares reported a productive second quarter with key financial results meeting or exceeding expectations. This indicates strong operational efficiency and effective management strategies.
  • Positive Revenue and Net Income Trends: Historical income statement data shows consistent revenue and net income figures, supported by steady earnings per share (EPS) growth, reflecting a robust business model within the banking sector.
  • Strong Liquidity Position: Balance sheet metrics, including cash and cash equivalents and a favorable current ratio (TTM), suggest a healthy liquidity position, enabling the company to manage short-term obligations effectively.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MarketSnap estimates AUB intrinsic value between $48.79 – $54.05 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate AUB Intrinsic Value

Common questions about AUB valuation

Is Atlantic Union Bankshares Corporation (AUB) overvalued or undervalued right now?

MarketSnap estimates intrinsic value for Atlantic Union Bankshares Corporation (AUB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is AUB a buy, hold, or sell for long-term investors?

MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AUB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is AUB’s P/E ratio?

You can see AUB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for AUB?

MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is AUB a good long-term investment?

Whether AUB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

Research tools for Atlantic Union Bankshares Corporation

  • Atlantic Union Bankshares Corporation intrinsic value calculatorEstimate what the business is worth
  • Atlantic Union Bankshares Corporation 5-year outlookWhat has to go right, and what could go wrong
AUB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.5
MarketSnap

Trading Metrics:

Open: 38.51   Previous Close: 38.3
Day Low: 37.88   Day High: 38.93
Year Low: 30.87   Year High: 43.62
Price Avg 50: 39.84   Price Avg 200: 38.92
Volume: 1.547M   Average Volume: 1.173M

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See in Nexus

Relevant news

Unveiling Atlantic Union (AUB) Q3 Outlook: Wall Street Estimates for Key Metrics
15-10-2026 10:21
Unveiling Atlantic Union (AUB) Q3 Outlook: Wall Street Estimates for Key Metrics
Atlantic Union (AUB) Could Be a Great Choice
11-09-2026 12:46
Atlantic Union (AUB) Could Be a Great Choice
Atlantic Union Bankshares Is Finally Cheap Enough For The Bull Case (Rating Upgrade)
14-10-2026 09:53
Atlantic Union Bankshares Is Finally Cheap Enough For The Bull Case (Rating Upgrade)
Why Atlantic Union (AUB) Could Beat Earnings Estimates Again
12-10-2026 13:10
Why Atlantic Union (AUB) Could Beat Earnings Estimates Again
What Makes Atlantic Union (AUB) a New Buy Stock
23-09-2026 13:01
What Makes Atlantic Union (AUB) a New Buy Stock
AUB Group Limited (AUBBF) Q4 2026 Earnings Call Transcript
25-08-2026 04:49
AUB Group Limited (AUBBF) Q4 2026 Earnings Call Transcript

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