(AUB) Atlantic Union Bankshares - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US04911A1079
Stock: Deposits, Loans, Cards, Wealth, Treasury
Total Rating 55
Risk 83
Buy Signal 0.86
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.32% |
| Yield on Cost 5y | 5.87% |
| Yield CAGR 5y | 6.27% |
| Payout Consistency | 97.0% |
| Payout Ratio | 41.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.2% |
| Relative Tail Risk | -12.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.37 |
| Alpha | -4.26 |
| Character TTM | |
|---|---|
| Beta | 1.207 |
| Beta Downside | 1.522 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.74% |
| CAGR/Max DD | 0.15 |
Description: AUB Atlantic Union Bankshares January 08, 2026
Atlantic Union Bankshares Corp (NYSE:AUB) is the holding company for Atlantic Union Bank, delivering a full suite of banking and financial services-including deposits, consumer and commercial loans, treasury management, wealth and private banking, and insurance-through a network of branches, ATMs, and digital channels across the United States.
In its most recent quarter (Q3 2024), AUB reported a net interest margin of 3.45% and a loan-to-deposit ratio of 78%, reflecting modest loan growth (≈4% YoY) while maintaining a solid liquidity buffer. The bank’s efficiency ratio stood at 58%, indicating operational cost control comparable to peers in the regional-bank segment.
The company’s performance is closely tied to macro-economic factors such as the Federal Reserve’s policy rate trajectory, which influences net interest income, and regional economic health in the Mid-Atlantic, where housing market activity drives mortgage demand. Additionally, credit-quality trends in the commercial-real-estate space remain a key risk driver for regional banks.
For a deeper, data-driven look at AUB’s valuation and risk profile, the ValueRay platform provides a concise, analytical overview.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 273.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 4.40 > 1.0 |
| NWC/Revenue: 186.9% < 20% (prev -1316 %; Δ 1503 % < -1%) |
| CFO/TA 0.06 > 3% & CFO 2.12b > Net Income 273.7m |
| Net Debt (-194.6m) to EBITDA (396.5m): -0.49 < 3 |
| Current Ratio: 6.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (142.1m) vs 12m ago 55.26% < -2% |
| Gross Margin: 60.94% > 18% (prev 0.57%; Δ 6037 % > 0.5%) |
| Asset Turnover: 6.51% > 50% (prev 5.48%; Δ 1.03% > 0%) |
| Interest Coverage Ratio: 0.51 > 6 (EBITDA TTM 396.5m / Interest Expense TTM 666.6m) |
Altman Z'' 0.87
| A: 0.10 (Total Current Assets 4.43b - Total Current Liabilities 650.0m) / Total Assets 37.59b |
| B: 0.03 (Retained Earnings 1.18b / Total Assets 37.59b) |
| C: 0.01 (EBIT TTM 339.2m / Avg Total Assets 31.09b) |
| D: 0.03 (Book Value of Equity 1.12b / Total Liabilities 32.58b) |
| Altman-Z'' Score: 0.87 = B |
What is the price of AUB shares?
As of February 07, 2026, the stock is trading at USD 41.78 with a total of 826,419 shares traded.
Over the past week, the price has changed by +7.57%, over one month by +13.19%, over three months by +30.59% and over the past year by +11.63%.
Over the past week, the price has changed by +7.57%, over one month by +13.19%, over three months by +30.59% and over the past year by +11.63%.
Is AUB a buy, sell or hold?
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
What are the forecasts/targets for the AUB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 44.4 | 6.4% |
| Analysts Target Price | 44.4 | 6.4% |
| ValueRay Target Price | 44.8 | 7.2% |
AUB Fundamental Data Overview February 01, 2026
P/E Trailing = 19.3234
P/E Forward = 9.0992
P/S = 4.491
P/B = 1.1101
Revenue TTM = 2.02b USD
EBIT TTM = 339.2m USD
EBITDA TTM = 396.5m USD
Long Term Debt = 768.7m USD (from longTermDebt, two quarters ago)
Short Term Debt = 725.4m USD (from shortTermDebt, last quarter)
Debt = 1.50b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -194.6m USD (from netDebt column, last quarter)
Enterprise Value = 2.60b USD (5.54b + Debt 1.50b - CCE 4.43b)
Interest Coverage Ratio = 0.51 (Ebit TTM 339.2m / Interest Expense TTM 666.6m)
EV/FCF = 1.23x (Enterprise Value 2.60b / FCF TTM 2.11b)
FCF Yield = 81.18% (FCF TTM 2.11b / Enterprise Value 2.60b)
FCF Margin = 104.5% (FCF TTM 2.11b / Revenue TTM 2.02b)
Net Margin = 13.54% (Net Income TTM 273.7m / Revenue TTM 2.02b)
Gross Margin = 60.94% ((Revenue TTM 2.02b - Cost of Revenue TTM 789.9m) / Revenue TTM)
Gross Margin QoQ = 69.28% (prev 65.82%)
Tobins Q-Ratio = 0.07 (Enterprise Value 2.60b / Total Assets 37.59b)
Interest Expense / Debt = 11.47% (Interest Expense 171.7m / Debt 1.50b)
Taxrate = 20.99% (29.7m / 141.7m)
NOPAT = 268.0m (EBIT 339.2m * (1 - 20.99%))
Current Ratio = 6.81 (Total Current Assets 4.43b / Total Current Liabilities 650.0m)
Debt / Equity = 0.30 (Debt 1.50b / totalStockholderEquity, last quarter 5.01b)
Debt / EBITDA = -0.49 (Net Debt -194.6m / EBITDA 396.5m)
Debt / FCF = -0.09 (Net Debt -194.6m / FCF TTM 2.11b)
Total Stockholder Equity = 4.49b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 273.7m / Total Assets 37.59b)
RoE = 6.10% (Net Income TTM 273.7m / Total Stockholder Equity 4.49b)
RoCE = 6.46% (EBIT 339.2m / Capital Employed (Equity 4.49b + L.T.Debt 768.7m))
RoIC = 5.40% (NOPAT 268.0m / Invested Capital 4.96b)
WACC = 10.08% (E(5.54b)/V(7.03b) * Re(10.36%) + D(1.50b)/V(7.03b) * Rd(11.47%) * (1-Tc(0.21)))
Discount Rate = 10.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 8.32%
[DCF Debug] Terminal Value 69.53% ; FCFF base≈1.39b ; Y1≈1.30b ; Y5≈1.19b
Fair Price DCF = 108.7 (EV 15.21b - Net Debt -194.6m = Equity 15.40b / Shares 141.8m; r=10.08% [WACC]; 5y FCF grow -8.54% → 2.90% )
EPS Correlation: 35.14 | EPS CAGR: 16.91% | SUE: 1.35 | # QB: 1
Revenue Correlation: 96.99 | Revenue CAGR: 37.65% | SUE: 4.0 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.88 | Chg30d=+0.019 | Revisions Net=+3 | Analysts=9
EPS current Year (2026-12-31): EPS=3.77 | Chg30d=+0.079 | Revisions Net=+4 | Growth EPS=+9.5% | Growth Revenue=+13.3%
EPS next Year (2027-12-31): EPS=4.03 | Chg30d=+0.019 | Revisions Net=+1 | Growth EPS=+6.9% | Growth Revenue=+4.4%
P/E Forward = 9.0992
P/S = 4.491
P/B = 1.1101
Revenue TTM = 2.02b USD
EBIT TTM = 339.2m USD
EBITDA TTM = 396.5m USD
Long Term Debt = 768.7m USD (from longTermDebt, two quarters ago)
Short Term Debt = 725.4m USD (from shortTermDebt, last quarter)
Debt = 1.50b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -194.6m USD (from netDebt column, last quarter)
Enterprise Value = 2.60b USD (5.54b + Debt 1.50b - CCE 4.43b)
Interest Coverage Ratio = 0.51 (Ebit TTM 339.2m / Interest Expense TTM 666.6m)
EV/FCF = 1.23x (Enterprise Value 2.60b / FCF TTM 2.11b)
FCF Yield = 81.18% (FCF TTM 2.11b / Enterprise Value 2.60b)
FCF Margin = 104.5% (FCF TTM 2.11b / Revenue TTM 2.02b)
Net Margin = 13.54% (Net Income TTM 273.7m / Revenue TTM 2.02b)
Gross Margin = 60.94% ((Revenue TTM 2.02b - Cost of Revenue TTM 789.9m) / Revenue TTM)
Gross Margin QoQ = 69.28% (prev 65.82%)
Tobins Q-Ratio = 0.07 (Enterprise Value 2.60b / Total Assets 37.59b)
Interest Expense / Debt = 11.47% (Interest Expense 171.7m / Debt 1.50b)
Taxrate = 20.99% (29.7m / 141.7m)
NOPAT = 268.0m (EBIT 339.2m * (1 - 20.99%))
Current Ratio = 6.81 (Total Current Assets 4.43b / Total Current Liabilities 650.0m)
Debt / Equity = 0.30 (Debt 1.50b / totalStockholderEquity, last quarter 5.01b)
Debt / EBITDA = -0.49 (Net Debt -194.6m / EBITDA 396.5m)
Debt / FCF = -0.09 (Net Debt -194.6m / FCF TTM 2.11b)
Total Stockholder Equity = 4.49b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 273.7m / Total Assets 37.59b)
RoE = 6.10% (Net Income TTM 273.7m / Total Stockholder Equity 4.49b)
RoCE = 6.46% (EBIT 339.2m / Capital Employed (Equity 4.49b + L.T.Debt 768.7m))
RoIC = 5.40% (NOPAT 268.0m / Invested Capital 4.96b)
WACC = 10.08% (E(5.54b)/V(7.03b) * Re(10.36%) + D(1.50b)/V(7.03b) * Rd(11.47%) * (1-Tc(0.21)))
Discount Rate = 10.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 8.32%
[DCF Debug] Terminal Value 69.53% ; FCFF base≈1.39b ; Y1≈1.30b ; Y5≈1.19b
Fair Price DCF = 108.7 (EV 15.21b - Net Debt -194.6m = Equity 15.40b / Shares 141.8m; r=10.08% [WACC]; 5y FCF grow -8.54% → 2.90% )
EPS Correlation: 35.14 | EPS CAGR: 16.91% | SUE: 1.35 | # QB: 1
Revenue Correlation: 96.99 | Revenue CAGR: 37.65% | SUE: 4.0 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.88 | Chg30d=+0.019 | Revisions Net=+3 | Analysts=9
EPS current Year (2026-12-31): EPS=3.77 | Chg30d=+0.079 | Revisions Net=+4 | Growth EPS=+9.5% | Growth Revenue=+13.3%
EPS next Year (2027-12-31): EPS=4.03 | Chg30d=+0.019 | Revisions Net=+1 | Growth EPS=+6.9% | Growth Revenue=+4.4%