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Atlantic Union Bankshares
(NYSE:AUB)
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Rating:67Neutral
Price Target:
$41.00
â–²(0.74% Upside)
Action:Reiterated
Date:10/20/26
The score is driven primarily by improved profitability/returns and supportive earnings-call fundamentals (strong credit trends and continued buybacks), tempered by significant top-line and cash-flow volatility in the financial statements. Valuation is a clear positive (moderate P/E and solid dividend yield), while technicals remain a notable drag due to weak price trend and negative momentum.
Positive Factors
Strong Credit Quality
Very low nonperforming assets and charge-offs indicate disciplined underwriting and resilient loan performance across the franchise. Maintaining strong credit quality supports earnings stability, limits provisioning pressure, and gives the bank greater capacity to pursue measured growth over the next several quarters.
Negative Factors
Net Interest Margin and Funding Pressure
Higher funding costs are compressing the spread that drives the bank’s core revenue, even as loan balances grow. Continued deposit repricing and competition could keep margin recovery gradual, limiting the conversion of balance-sheet growth into durable earnings unless asset yields offset funding pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Credit Quality
Very low nonperforming assets and charge-offs indicate disciplined underwriting and resilient loan performance across the franchise. Maintaining strong credit quality supports earnings stability, limits provisioning pressure, and gives the bank greater capacity to pursue measured growth over the next several quarters.
Read all positive factors
Atlantic Union Bankshares (AUB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.58B
Dividend Yield3.72%
Average Volume (3M)1.37M
Price to Earnings (P/E)10.8
Beta (1Y)1.09
Revenue Growth20.79%
EPS Growth94.69%
CountryUS
Employees3,064
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.35
Shares Outstanding142,814,900
10 Day Avg. Volume1,512,679
30 Day Avg. Volume1,368,259
Financial Highlights & Ratios
PEG Ratio-1.53
Price to Book (P/B)0.91
Price to Sales (P/S)2.23
P/FCF Ratio53.21
Enterprise Value/Market Cap1.35
Enterprise Value/Revenue3.40
Enterprise Value/Gross Profit5.00
Enterprise Value/Ebitda11.32
Forecast
1Y Price Target
$45.60Price Target Upside12.04% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)3.76
Revenue Forecast (FY)$1.55B
Atlantic Union Bankshares Business Overview & Revenue Model
Company Description
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 e...
How the Company Makes Money
AUB primarily makes money through traditional bank revenue streams generated by its banking operations. The largest driver is net interest income: the bank earns interest and fees on loans and other interest-earning assets (e.g., commercial and co...
Atlantic Union Bankshares Earnings Call Summary
Earnings Call Date:Oct 20, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 26, 2027
Earnings Call Sentiment Positive
The call was broadly positive. Management reported healthy loan growth, strong credit quality, solid profitability, capital strength, progress in North Carolina, and favorable commercial trends across its markets. The principal challenges were higher funding costs, a lower net interest margin, softer fee income, deposit competition, AOCI-related pressure on tangible book value, and the expected moderation in loan growth and new construction activity. The positive operating and credit trends significantly outweighed the stated headwinds.Positive Updates
Solid Third-Quarter Earnings and Returns
Reported net income available to common shareholders was $134 million, or $0.94 per diluted common share. Adjusted operating earnings were $136 million, or $0.96 per diluted common share, with an adjusted operating return on tangible common equity of 19.85%, adjusted operating return on assets of 1.45%, and adjusted operating efficiency ratio of 48.1%.
Negative Updates
Net Interest Margin Declined
The fully tax-equivalent net interest margin declined 6 basis points to 3.88% because higher funding costs more than offset a modest improvement in earning asset yields.
Read all updates
Q3-2026 Updates
Positive
Negative
Solid Third-Quarter Earnings and Returns
Reported net income available to common shareholders was $134 million, or $0.94 per diluted common share. Adjusted operating earnings were $136 million, or $0.96 per diluted common share, with an adjusted operating return on tangible common equity of 19.85%, adjusted operating return on assets of 1.45%, and adjusted operating efficiency ratio of 48.1%.
Read all positive updates
Company Guidance
Management expects loan balances to end the year between $29 billion and $30 billion, year end deposit balances between $31 billion and $32 billion, full year loan growth toward the lower end of the high single digit range, and year end deposits to end up in the lower single digit range. The allowance for credit losses is projected to remain at the lower end of the 115 basis point to 120 basis point range, with the projected net charge off ratio reduced to less than 5 basis points in 2026. Fully tax equivalent net interest income is projected at the lower end of the $1.32 billion to $1.33 billion range, 2026 fully tax equivalent net interest margin at the low end the 3.90% to 3.95% range, adjusted operating noninterest income at the lower end of the $220 million and $230 million range, and adjusted operating non interest expense at the lower end of the range of $742 million to $752 million. The baseline accretion was about $9 million per month or $27 million for the quarter, and accelerated accretion was about 13 million to $14 million for the quarter; no 2027 guidance was provided.Atlantic Union Bankshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
74
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.21B | 2.03B | 1.35B | 1.05B | 778.96M | 711.16M |
| Gross Profit | 1.50B | 1.23B | 767.33M | 670.27M | 683.76M | 730.95M |
| EBITDA | 663.76M | 381.05M | 295.11M | 280.86M | 325.39M | 369.49M |
| Net Income | 487.28M | 273.71M | 209.13M | 201.82M | 234.51M | 263.92M |
Balance Sheet | ||||||
| Total Assets | 38.10B | 37.59B | 24.59B | 21.17B | 20.46B | 20.06B |
| Cash, Cash Equivalents and Short-Term Investments | 990.30M | 4.43B | 2.79B | 2.60B | 3.06B | 4.28B |
| Total Debt | 1.73B | 1.50B | 534.62M | 1.31B | 1.71B | 506.59M |
| Total Liabilities | 32.95B | 32.58B | 21.44B | 18.61B | 18.09B | 17.35B |
| Stockholders Equity | 5.15B | 5.01B | 3.14B | 2.56B | 2.37B | 2.71B |
Cash Flow | ||||||
| Free Cash Flow | 517.09M | 85.44M | 301.06M | 272.94M | 416.82M | 328.39M |
| Operating Cash Flow | 542.43M | 97.85M | 308.46M | 278.05M | 419.67M | 337.79M |
| Investing Cash Flow | -1.38B | -268.17M | -295.69M | -603.28M | -1.28B | -345.44M |
| Financing Cash Flow | 239.48M | 169.61M | -36.83M | 383.42M | 375.18M | 316.86M |
Atlantic Union Bankshares Technical Analysis
Positive
40.70
Price Trends
39.37
Positive
40.24
Negative
38.56
Positive
Market Momentum
0.04
Negative
59.40
Neutral
90.44
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AUB, the sentiment is Positive. The current price of 40.7 is above the 20-day moving average (MA) of 38.33, above the 50-day MA of 39.37, and above the 200-day MA of 38.56, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 59.40 is Neutral, neither overbought nor oversold. The STOCH value of 90.44 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AUB.
Atlantic Union Bankshares Risk Analysis
Atlantic Union Bankshares disclosed 56 risk factors in its most recent earnings report. Atlantic Union Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Atlantic Union Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $3.39B | 10.27 | 11.66% | 4.91% | 34.95% | 54.57% | |
74 Outperform | $6.66B | 13.26 | 9.37% | 3.11% | 3.66% | 21.00% | |
74 Outperform | $3.75B | 10.97 | 8.88% | 3.89% | 16.54% | 77.61% | |
70 Outperform | $4.52B | 10.97 | 11.39% | 3.21% | 2.96% | 12.41% | |
69 Neutral | $6.47B | 10.78 | 8.93% | 2.73% | 2.48% | 21.10% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $5.58B | 10.83 | 0.04% | 3.72% | 20.79% | 94.69% |
* Financial Sector Average
AUB
Atlantic Union Bankshares
39.74
7.28
22.42%
FNB
F.N.B.
18.33
3.07
20.11%
FULT
Fulton Financial
23.70
6.37
36.73%
TOWN
TowneBank
36.68
4.98
15.71%
UBSI
United Bankshares
48.92
13.65
38.71%
WSBC
WesBanco
39.06
9.37
31.55%
Atlantic Union Bankshares Corporate Events
Business Operations and StrategyStock BuybackFinancial DisclosuresPrivate Placements and Financing
Atlantic Union Bankshares posts strong Q3 2026 earnings
Positive
Oct 20, 2026
Atlantic Union Bankshares reported third quarter 2026 net income available to common shareholders of $133.7 million, with diluted EPS of $0.94 and adjusted diluted operating EPS of $0.96, reflecting healthy loan growth, strong credit quality and r...
Financial Disclosures
Atlantic Union Bankshares to Announce Q3 2026 Results
Neutral
Sep 29, 2026
Atlantic Union Bankshares Corporation said on September 29, 2026, that it will release its third quarter 2026 financial results before the market opens on Tuesday, October 20, 2026. The timing underscores the company’s regular disclosure cad...
Business Operations and StrategyFinancial Disclosures
Atlantic Union Highlights Q3 2026 Strategic Outlook
Neutral
Aug 6, 2026
Atlantic Union Bankshares Corporation operates as a regional financial services provider, offering commercial and consumer banking products and related financial services. The company focuses on deposit gathering, lending, and broader banking solu...
Business Operations and StrategyPrivate Placements and Financing
Atlantic Union Bankshares Completes Subordinated Notes Offering
Positive
Jul 30, 2026
On July 30, 2026, Atlantic Union Bankshares completed a $250 million underwritten public offering of 6.25% fixed-to-floating rate subordinated notes due August 1, 2036, issued under an existing subordinated indenture. The unsecured notes pay a fix...
Business Operations and StrategyPrivate Placements and Financing
Atlantic Union Bankshares Announces New Subordinated Notes Offering
Positive
Jul 28, 2026
On July 27, 2026, Atlantic Union Bankshares Corporation entered into an underwriting agreement with Keefe, Bruyette Woods, Inc. and Piper Sandler Co. to offer $250 million of 6.25% fixed-to-floating rate subordinated notes due 2036 at par, with ...
Private Placements and FinancingRegulatory Filings and Compliance
Atlantic Union Bankshares Plans Subordinated Notes Offering
Neutral
Jul 27, 2026
On July 27, 2026, Atlantic Union Bankshares Corporation filed a preliminary prospectus supplement as part of a shelf registration to support a proposed offering of a new series of Fixed-to-Floating Rate Subordinated Notes due 2036. Management prep...
Dividends
Atlantic Union Bankshares Declares Quarterly Common Dividend
Positive
Jul 23, 2026
On July 23, 2026, Atlantic Union Bankshares Corporation announced that its Board of Directors declared a quarterly dividend of $0.37 per share of common stock, matching the second quarter of 2026 and representing an 8.8% increase from the third qu...
Business Operations and StrategyFinancial Disclosures
Atlantic Union Bankshares Issues Q2 2026 Investor Update
Neutral
Jul 22, 2026
On July 22, 2026, Atlantic Union Bankshares Corporation released a fixed income investor presentation that provides preliminary unaudited financial information and management’s expectations for the second quarter of 2026. The company emphasi...
Business Operations and StrategyStock BuybackFinancial DisclosuresM&A Transactions
Atlantic Union Bankshares posts strong Q2 2026 results
Positive
Jul 21, 2026
Atlantic Union Bankshares reported strong second-quarter 2026 results, posting net income available to common shareholders of $158.0 million, or $1.11 per share, and adjusted operating earnings of $134.0 million, or $0.94 per share. Management cit...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.