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Atlantic Union Bankshares Corporation

AUB Financial Banks Regional

Atlantic Union Bankshares Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 51.6% from fiscal 2024.

Revenue
+0.13%
EPS
+50.8%
Free cash flow
+18.8%
Total debt
+11.6%

Quarter to September 2026, against a year earlier

39.21 0.96 −2.39%
Market cap
$5.5B
P/E
10.7×
Fwd P/E
10.1×
Dividend yield
3.77%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.03
Sold, $m 0.49
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — 1 — — — — — — —
Sell — — — — — — — — — — 1 1
Insider Ownership 1.58%

Capital & Financial Ratios $m

Size
Market Cap 5,490.00
Revenue ttm 2,218.36
Net income ttm 531.78
Free cash flow ttm 553.80
Net debt Q 156.99
Valuation
P/E 10.68
Forward P/E 10.10
Price / sales 2.50
Forward P/S Powerpack
Price / FCF 10.00
Price / book 1.10
Financial health
Current ratio Q 0.94
Debt / equity Q 0.17
Interest coverage Q —
Growth
Revenue growth Q +0.13% (above 0%: growing)
Operating income growth Q +14.60% (above 0%: growing)
EPS, this year +9.38%
EPS, next year A +8.08%
Revenue, next year A −23.91% (below 0%: weak)
EPS, past 5 yrs +1.02%
EPS, next 5 yrs A +9.05%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 7.08%
10-year low 10-year high
P/S against its own 10 years 23.43%
10-year low 10-year high
P/B against its own 10 years 52.18%
10-year low 10-year high

Dividends raised every year since 2017

Yield
3.77%
Annual rate
1.48
Payout ratio
40.4%
Growth, 2017–25
+6.98%/yr
  1. 0.81 ’17
  2. 0.88 ’18 +9
  3. 0.96 ’19 +9
  4. 1.00 ’20 +4
  5. 1.09 ’21 +9
  6. 1.16 ’22 +6
  7. 1.22 ’23 +5
  8. 1.30 ’24 +7
  9. 1.39 ’25 +7
  10. 1.49 ’26e +7
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 378 354 966 701
Receivables — — — —
Inventory — — — —
Other — — — —
15,888 18,655 28,486 29,713
2023 2024 2025 Q'26
Payables 16,818 20,398 30,472 30,966
ST’ Debt — — — —
Other — — — —
17,739 20,514 31,197 31,730

Compound Annual Growth %

10y 5y 3y
Sales 19.57% 21.06% 37.86%
Cash Flow 35.04% 57.35% 74.69%
Earnings 14.59% 11.41% 5.56%
Book Value 17.53% 13.07% 28.26%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.96 Actual 0.96

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.86 0.97 Beat by 0.11
Q1 FY26 0.88 0.89 Beat by 0.01
Q2 FY26 0.92 0.94 Beat by 0.02
Q3 FY26 0.96 0.96 Met by 0.00
Q4 FY26 0.98 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.84 1.11 0.94 — —
’25 0.52 0.12 0.63 0.77 2.03
’24 0.62 0.25 0.82 0.60 2.24
’23 0.44 0.70 0.68 0.72 2.53
’22 0.54 0.79 0.74 0.90 2.97
’21 0.67 1.05 0.94 0.59 3.26
’20 0.09 0.39 0.74 0.72 1.93
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 527 577 556 — —
’25 335 592 555 559 2,041
’24 288 345 359 354 1,346
’23 227 254 274 289 1,045
’22 169 187 197 227 779
’21 179 179 176 184 718
’20 200 199 192 194 785
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 127 150 182 — —
’25 62 1,904 157 114 2,237
’24 57 86 68 98 308
’23 63 73 89 53 278
’22 111 88 128 93 420
’21 84 53 103 98 338
’20 50 72 54 56 232
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 120 146 177 — —
’25 61 1,910 149 111 2,231
’24 55 85 67 102 308
’23 61 76 136 57 329
’22 111 90 130 101 430
’21 83 56 100 110 349
’20 48 65 47 46 206
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 354 391 633 832 785 718 779 1,045 1,346 2,041 2,218 +21.5% 1,553 1,616 1,703 (5.9%)
Gross margin, % 91.58 87.22 83.87 80.60 87.50 94.28 90.22 67.15 60.71 67.34 70.00 (24.2) pt
EBT 102 105 179 231 186 319 280 240 260 337 674 +14.2%
EBT margin, % 28.80 26.81 28.34 27.79 23.73 44.39 35.94 22.95 19.30 16.51 30.38 (12.3) pt
Net income 77 73 146 194 158 264 235 202 209 274 532 +15.1%
Per share, $
Per share, $ Revenue 8.08 8.96 9.61 10.38 9.95 9.28 10.39 13.94 15.63 15.85 15.70 +7.8%
Earnings 1.77 1.67 2.22 2.41 1.93 3.26 2.97 2.53 2.29 2.03 3.67 +1.5%
Cash flow 2.14 2.52 3.29 2.43 2.94 4.36 5.60 3.71 3.58 17.37 4.07 +26.2%
Capex (0.14) (0.21) 0.12 (0.05) (0.32) 0.15 0.14 0.69 0.00 (0.05) (0.15) (10.7%)
Free cash flow 2.00 2.31 3.41 2.38 2.62 4.51 5.74 4.39 3.58 17.32 3.92 +27.1%
Book value 22.86 23.94 29.22 31.34 34.35 35.01 31.66 34.10 36.48 38.88 35.75 +6.1%
Shares, m 44 44 66 80 79 77 75 75 86 129 139 +12.7%
Valuation, ×
Valuation, × P/E 20.08 21.58 12.72 15.65 16.98 11.47 11.86 14.35 16.47 17.22 10.68 15.8
P/S 4.40 4.02 2.94 3.62 3.31 4.02 3.39 2.61 2.42 2.23 2.50 3.3
P/B 1.55 1.51 0.97 1.20 0.96 1.07 1.11 1.07 1.04 0.91 1.10 1.1
EV/Sales 5.06 4.60 3.58 4.39 3.30 3.44 3.48 2.63 2.47 2.13 — 3.5
EV/FCF 20.46 17.82 10.08 19.12 12.57 7.08 6.29 8.33 10.79 1.95 — 11.5
Cash, $m
Cash, $m Operating cash flow 94 110 217 195 232 338 420 278 308 2,237 574 +42.2%
Capex (6) (9) 8 (4) (26) 11 11 51 0 (7) (21) +0.7%
Free cash flow 88 101 225 191 206 349 430 329 308 2,231 554 +43.3%
Balance, $m
Balance, $m Working capital (471) (483) (1,122) (681) (1,623) (2,810) (2,588) (1,851) (1,858) (2,711) (2,017) +21.5%
Net debt 234 226 407 641 (3) (414) 70 13 64 (195) 157 n/m
Shareholders’ equity 1,001 1,046 1,925 2,513 2,708 2,710 2,373 2,556 3,143 5,006 5,051 +19.6%
Returns, %
Returns, % ROA 0.96 0.82 1.27 1.24 0.82 1.27 1.10 0.91 0.86 0.84 1.38 (0.1) pt
ROIC 5.15 5.42 5.87 5.13 4.30 8.68 7.16 5.91 5.84 6.42 8.66 +1.3 pt
ROE 7.76 7.12 9.85 8.72 5.84 9.30 8.76 7.71 6.92 6.43 10.43 (1.3) pt
People
People Employees 1,416 1,419 1,609 1,989 1,879 1,876 1,877 1,804 2,125 3,064 — +9.0%
Revenue/emp, $m 0.25 0.28 0.39 0.42 0.42 0.38 0.42 0.58 0.63 0.67 — +11.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Atlantic Union Bankshares Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HOMB Home BancShares, Inc. $6.0B 12.3× 11.9× +1.68% (above 0%: growing) +3.17% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
HWC Hancock Whitney Corporation $5.7B 14.3× 14.0× +7.54% (above 0%: growing) −8.05% (below 0%: shrinking) +23.30% (above 0%: growing) 75.86% 0.00% Compare
ASB Associated Banc-Corp $5.7B 10.5× 10.6× +12.99% (above 0%: growing) +5.48% (above 0%: growing) +117.24% (above 0%: growing) 64.43% 0.00% Compare
IFS Intercorp Financial Services Inc. $5.6B 13.8× — (loss-making) +18.27% (above 0%: growing) +106.49% (above 0%: growing) +720.11% (above 0%: growing) 75.55% 0.00% Compare
OZK Bank OZK $5.6B 8.6× 8.6× −5.02% (below 0%: shrinking) −6.25% (below 0%: shrinking) +47.62% (above 0%: growing) 63.26% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 10.7× 10.1× +0.13% (above 0%: growing) +50.79% (above 0%: growing) +18.83% (above 0%: growing) 68.93% 0.00%
ABCB Ameris Bancorp $5.5B 14.3× 14.2× +1.71% (above 0%: growing) +12.26% (above 0%: growing) +31.88% (above 0%: growing) 73.36% 0.00% Compare
AX AXOS FINANCIAL, INC $5.2B 10.3× 9.1× +16.63% (above 0%: growing) +14.79% (above 0%: growing) +115.45% (above 0%: growing) 68.01% 0.00% Compare
EBC Eastern Bankshares, Inc. $5.2B 13.1× 12.5× +27.06% (above 0%: growing) −3.77% (below 0%: shrinking) +25.53% (above 0%: growing) 74.39% 0.00% Compare
Median of peers $5.6B 12.7× 11.9× +10.26% +4.33% +39.75% 73.88% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 25 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 5.07m 4.44m 128.26
2024 4.26m 4.26m 131.85
2023 3.55m 4.02m 122.68
2022 3.33m 3.39m 113.45
2021 3.19m 2.83m 116.51

Ownership

Directors and executive officers, together less than 1%
New York, NY 13.30%
Malvern, PA 11.33%
Austin, TX 5.50%
State Street CorporationOne Congress Street, Suite 5.19%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Atlantic Union Bankshares Corporation (AUB) Latest News

29 Oct

Impact 3 · · Business Wire

23 Oct

Impact 4 · · Simply Wall St.

22 Oct

Impact 3 · · Simply Wall St.

20 Oct

Impact 4 · · The Motley Fool
Impact 4 · · MarketBeat
Impact 3 · · The Motley Fool transcript
Impact 3 · · Moby
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press earnings

15 Oct

Impact 3 · · Zacks

14 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

13 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Zacks
Impact 3 · · Simply Wall St.

12 Oct

Impact 3 · · Zacks

28 Sep

Impact 3 · · Zacks

23 Sep

Impact 3 · · Zacks

25 Aug

Impact 4 ·

22 Jul

Impact 3 · · Moby transcript

21 Jul

Impact 3 ·
Impact 3 · · MarketBeat transcript
Impact 3 ·
Impact 3 ·
Impact 3 · · InvestorsHub
Impact 3 ·

14 Jul

Impact 3 ·

5 May

Impact 4 · · Business Wire

28 Apr

Impact 3 · · StockStory

AUB metrics, ten years each

stockrow.com/AUB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com