Saturday 17 October 2026
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Atlantic Union Bankshares Corporation
Atlantic Union Bankshares Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 51.6% from fiscal 2024. In the quarter to June 2026, revenue fell 2.50%, EPS grew 825.0%, free cash flow fell 92.4% and total debt rose 1.34%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.
38.11
0.19
−0.50%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | 20.57 | 29.50 | 26.48 | 27.80 | 18.55 | 31.75 | 30.26 | 23.32 | 30.43 | 22.85 |
Analyst estimates 2026–2028 Powerpack |
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| High | 36.69 | 39.37 | 42.74 | 40.20 | 37.88 | 42.45 | 42.67 | 41.04 | 44.54 | 39.29 | |||||
| People | |||||||||||||||
| People | Employees | 1,416 | 1,419 | 1,609 | 1,989 | 1,879 | 1,876 | 1,877 | 1,804 | 2,125 | 3,064 | ||||
| Revenue/emp, $m | 0.25 | 0.28 | 0.39 | 0.42 | 0.42 | 0.38 | 0.42 | 0.58 | 0.63 | 0.67 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | 354 | 391 | 633 | 832 | 785 | 718 | 779 | 1,045 | 1,346 | 2,041 | ||||
| Gross margin, % | 91.58 | 87.22 | 83.87 | 80.60 | 87.50 | 94.28 | 90.22 | 67.15 | 60.71 | 67.34 | |||||
| EBT | 102 | 105 | 179 | 231 | 186 | 319 | 280 | 240 | 260 | 337 | |||||
| EBT margin, % | 28.80 | 26.81 | 28.34 | 27.79 | 23.73 | 44.39 | 35.94 | 22.95 | 19.30 | 16.51 | |||||
| Net income | 77 | 73 | 146 | 194 | 158 | 264 | 235 | 202 | 209 | 274 | |||||
| Depreciation | 25 | 24 | 20 | 32 | 35 | 48 | 49 | 46 | 14 | (43) | |||||
| 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 | ||||
| Earnings | 1.77 | 1.67 | 2.22 | 2.41 | 1.93 | 3.26 | 2.97 | 2.53 | 2.29 | 2.03 | |||||
| Cash flow | 2.14 | 2.52 | 3.29 | 2.43 | 2.94 | 4.36 | 5.60 | 3.71 | 3.58 | 17.37 | |||||
| Capex | (0.14) | (0.21) | 0.12 | (0.05) | (0.32) | 0.15 | 0.14 | 0.69 | 0.00 | (0.05) | |||||
| Free cash flow | 2.00 | 2.31 | 3.41 | 2.38 | 2.62 | 4.51 | 5.74 | 4.39 | 3.58 | 17.32 | |||||
| Book value | 22.86 | 23.94 | 29.22 | 31.34 | 34.35 | 35.01 | 31.66 | 34.10 | 36.48 | 38.88 | |||||
| Shares, m | 44 | 44 | 66 | 80 | 79 | 77 | 75 | 75 | 86 | 129 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | 20.08 | 21.58 | 12.72 | 15.65 | 16.98 | 11.47 | 11.86 | 14.35 | 16.47 | 17.22 | ||||
| P/S | 4.40 | 4.02 | 2.94 | 3.62 | 3.31 | 4.02 | 3.39 | 2.61 | 2.42 | 2.23 | |||||
| P/B | 1.55 | 1.51 | 0.97 | 1.20 | 0.96 | 1.07 | 1.11 | 1.07 | 1.04 | 0.91 | |||||
| EV/Sales | 5.06 | 4.60 | 3.58 | 4.39 | 3.30 | 3.44 | 3.48 | 2.63 | 2.47 | 2.13 | |||||
| EV/FCF | 20.46 | 17.82 | 10.08 | 19.12 | 12.57 | 7.08 | 6.29 | 8.33 | 10.79 | 1.95 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | 94 | 110 | 217 | 195 | 232 | 338 | 420 | 278 | 308 | 2,237 | ||||
| Capex | (6) | (9) | 8 | (4) | (26) | 11 | 11 | 51 | 0 | (7) | |||||
| Free cash flow | 88 | 101 | 225 | 191 | 206 | 349 | 430 | 329 | 308 | 2,231 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | (471) | (483) | (1,122) | (681) | (1,623) | (2,810) | (2,588) | (1,851) | (1,858) | (2,711) | ||||
| Total debt | 413 | 425 | 668 | 1,077 | 490 | 389 | 390 | 391 | 418 | 772 | |||||
| Net debt | 234 | 226 | 407 | 641 | (3) | (414) | 70 | 13 | 64 | (195) | |||||
| Shareholders’ equity | 1,001 | 1,046 | 1,925 | 2,513 | 2,708 | 2,710 | 2,373 | 2,556 | 3,143 | 5,006 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | 0.96 | 0.82 | 1.27 | 1.24 | 0.82 | 1.27 | 1.10 | 0.91 | 0.86 | 0.84 | ||||
| ROIC | 5.15 | 5.42 | 5.87 | 5.13 | 4.30 | 8.68 | 7.16 | 5.91 | 5.84 | 6.42 | |||||
| ROE | 7.76 | 7.12 | 9.85 | 8.72 | 5.84 | 9.30 | 8.76 | 7.71 | 6.92 | 6.43 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
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 |
|---|---|---|---|---|---|---|---|---|---|
| FNB F.N.B. Corporation | $6.1B | 10.3× | 10.2× | +0.15% (above 0%: growing) | +16.67% (above 0%: growing) | +183.53% (above 0%: growing) | 68.59% | 0.00% | Compare |
| HWC Hancock Whitney Corporation | $5.9B | 14.2× | 13.1× | +4.02% (above 0%: growing) | +18.18% (above 0%: growing) | +23.30% (above 0%: growing) | 77.00% | 0.00% | Compare |
| HOMB Home BancShares, Inc. | $5.8B | 12.0× | 11.0× | +1.68% (above 0%: growing) | +2.81% (above 0%: growing) | +20.30% (above 0%: growing) | 75.64% | 0.00% | Compare |
| GBCI Glacier Bancorp, Inc. | $5.7B | 18.0× | 15.3× | +19.14% (above 0%: growing) | +66.67% (above 0%: growing) | +42.03% (above 0%: growing) | 78.15% | 0.00% | Compare |
| AUB Atlantic Union Bankshares Corporation | $5.5B | 11.4× | 10.0× | −2.50% (below 0%: shrinking) | +825.00% (above 0%: growing) | −92.37% (below 0%: shrinking) | 71.98% | 0.00% | |
| ASB Associated Banc-Corp | $5.5B | 10.1× | 9.8× | +14.89% (above 0%: growing) | −3.03% (below 0%: shrinking) | +48.78% (above 0%: growing) | 64.01% | 0.00% | Compare |
| ABCB Ameris Bancorp | $5.4B | 14.4× | 12.7× | +5.42% (above 0%: growing) | −51.88% (below 0%: shrinking) | +31.88% (above 0%: growing) | 74.25% | 0.00% | Compare |
| OZK Bank OZK | $5.0B | 7.6× | 8.3× | −3.82% (below 0%: shrinking) | −6.29% (below 0%: shrinking) | +47.62% (above 0%: growing) | 63.91% | 0.00% | Compare |
| AX AXOS FINANCIAL, INC | $5.0B | 10.2× | 9.1× | +15.98% (above 0%: growing) | +12.24% (above 0%: growing) | +22.36% (above 0%: growing) | 67.69% | 0.00% | Compare |
| Median of peers | $5.6B | 11.1× | 10.6× | +4.72% | +7.53% | +36.96% | 71.42% | 0.00% |
Atlantic Union Bankshares Corporation (AUB) key facts
- Strength: Atlantic Union Bankshares Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 51.6% from fiscal 2024.
- Strength: Net income was $273.7 million, or $2.03 per share (basic), a net margin of 12.8%.
- Atlantic Union Bankshares Corporation (AUB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
- As of October 16, 2026, AUB traded at $38.11, a market capitalization of $5.5 billion.
- At that price the stock trades at 11.4× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 14% of its own readings over the past ten years.
- Atlantic Union Bankshares Corporation pays an annual dividend of $1.48 per share, a yield of 3.88%, with a payout ratio of 44.2%.
- Return on equity was 6.43% and debt-to-equity 0.15.
- Its Piotroski F-score is 6 out of 9 for fiscal 2025.