Atlantic Union Bankshares Corporation logo

Atlantic Union Bankshares Corporation

AUB

NYSEFinancial ServicesBanks - Regional

Previous close

$41.15

+$0.13 · +0.32%

Aug 21, 4:00 PM ET

AUB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

89

Deep Value

Momentum

56

Neutral

Sentiment

69

Bullish

Risk resilience

76

Moderate Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
John C. Asbury
Listed since
Oct 6, 1993
Employees
3,064

Market position

Day range

Current $41.15

52-week range

Current $41.15

Open
$41.37
Previous close
$41.02
Volume
838.14K
0.76× average
Average volume
1.1M
Average daily volume
Market cap
5.84B USD
Beta
0.77
Market reference 1
50-day average
$41.7814
-1.51% below average
200-day average
$38.0103
+8.26% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
5.81B USD
P/E (TTM)
12.28×
P/B (TTM)
1.13×
P/S (TTM)
2.64×
EV / EBITDA
15.24×
Earnings yield
6.02%
Free cash flow yield
1.88%
Dividend yield
3.60%

Profitability & efficiency

Gross margin
67.89%
Operating margin
27.92%
Net margin
22.04%
Return on equity
5.47%
Return on assets
0.73%
Return on invested capital
4.07%

Financial health

Debt / equity
0.33×
Current ratio
6.81×
Altman Z-score
-0.7
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends112%76%40%5%Gross margin, FY2021: 102.78%Gross margin, FY2022: 87.78%Gross margin, FY2023: 64.12%Gross margin, FY2024: 56.99%Gross margin, FY2025: 60.26%Operating margin, FY2021: 44.82%Operating margin, FY2022: 35.94%Operating margin, FY2023: 22.95%Operating margin, FY2024: 19.30%Operating margin, FY2025: 16.57%Net margin, FY2021: 37.11%Net margin, FY2022: 30.11%Net margin, FY2023: 19.31%Net margin, FY2024: 15.53%Net margin, FY2025: 13.46%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 102.78%. Gross margin FY2022 87.78%. Gross margin FY2023 64.12%. Gross margin FY2024 56.99%. Gross margin FY2025 60.26%. Operating margin FY2021 44.82%. Operating margin FY2022 35.94%. Operating margin FY2023 22.95%. Operating margin FY2024 19.30%. Operating margin FY2025 16.57%. Net margin FY2021 37.11%. Net margin FY2022 30.11%. Net margin FY2023 19.31%. Net margin FY2024 15.53%. Net margin FY2025 13.46%.

Income trends

Revenue

2.03B USD+51.09%

Operating income

336.99M USD+29.71%

Net income

273.72M USD+30.88%
Income trends across reported periods2.22B USD1.48B USD751.55M USD18.58M USDRevenue, FY2021: 711.16M USDRevenue, FY2022: 778.96M USDRevenue, FY2023: 1.05B USDRevenue, FY2024: 1.35B USDRevenue, FY2025: 2.03B USDOperating income, FY2021: 318.76M USDOperating income, FY2022: 279.95M USDOperating income, FY2023: 239.9M USDOperating income, FY2024: 259.79M USDOperating income, FY2025: 336.99M USDNet income, FY2021: 263.92M USDNet income, FY2022: 234.51M USDNet income, FY2023: 201.82M USDNet income, FY2024: 209.13M USDNet income, FY2025: 273.72M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 711.16M USD. Revenue FY2022 778.96M USD. Revenue FY2023 1.05B USD. Revenue FY2024 1.35B USD. Revenue FY2025 2.03B USD. Operating income FY2021 318.76M USD. Operating income FY2022 279.95M USD. Operating income FY2023 239.9M USD. Operating income FY2024 259.79M USD. Operating income FY2025 336.99M USD. Net income FY2021 263.92M USD. Net income FY2022 234.51M USD. Net income FY2023 201.82M USD. Net income FY2024 209.13M USD. Net income FY2025 273.72M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue2.03B USD1.35B USD1.05B USD778.96M USD711.16M USD
Cost of goods sold808.36M USD579.09M USD375.06M USD95.2M USD−19.79M USD
Gross profit1.23B USD767.33M USD670.27M USD683.76M USD730.95M USD
Selling, general, and administrative450.96M USD303.55M USD266.95M USD248.4M USD234.29M USD
Operating expenses888.89M USD507.53M USD430.37M USD403.8M USD412.19M USD
Interest income1.82B USD1.23B USD954.45M USD660.44M USD592.36M USD
Interest expense666.57M USD529M USD343.44M USD76.17M USD41.1M USD
Depreciation and amortization44.06M USD35.31M USD40.96M USD45.43M USD50.73M USD
Operating income336.99M USD259.79M USD239.9M USD279.95M USD318.76M USD
Net income273.72M USD209.13M USD201.82M USD234.51M USD263.92M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 5 misses, 0 met estimates
Average EPS surprise
-0.91%
11 comparable reports
Latest EPS result
0.94
Estimate 0.92 · Beat by 2.29%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.010.850.690.53Q1 '25MissQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 0.67, estimate 0.78, surprise -14.10%, Miss. Q2 2025, reported Apr 24, 2025: actual 0.57, estimate 0.69, surprise -17.39%, Miss. Q3 2025, reported Jul 24, 2025: actual 0.95, estimate 0.8, surprise +18.75%, Beat. Q4 2025, reported Oct 23, 2025: actual 0.84, estimate 0.843, surprise -0.36%, Miss. Q1 2026, reported Jan 22, 2026: actual 0.97, estimate 0.86, surprise +12.79%, Beat. Q2 2026, reported Apr 21, 2026: actual 0.89, estimate 0.88, surprise +1.14%, Beat. Q3 2026, reported Jul 21, 2026: actual 0.94, estimate 0.919, surprise +2.29%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.96, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates417.68M343.79M269.9M196.01MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 222.52M USD, estimate 219.22M USD, surprise +1.51%, Beat. Q2 2025, reported Apr 24, 2025: actual 212.08M USD, estimate 221.34M USD, surprise -4.18%, Miss. Q3 2025, reported Jul 24, 2025: actual 401.62M USD, estimate 374.28M USD, surprise +7.30%, Beat. Q4 2025, reported Oct 23, 2025: actual 354.73M USD, estimate 379.08M USD, surprise -6.42%, Miss. Q1 2026, reported Jan 22, 2026: actual 391.33M USD, estimate 379.01M USD, surprise +3.25%, Beat. Q2 2026, reported Apr 21, 2026: actual 371.71M USD, estimate 381.99M USD, surprise -2.69%, Miss. Q3 2026, reported Jul 21, 2026: actual 387.57M USD, estimate 389.06M USD, surprise -0.38%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 392.94M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

6 institutions

Corporate actions

Corporate action history

Stock split

Effective Oct 16, 2006

3:2

Stock split

Effective Jun 2, 1998

2:1

Stock split

Effective May 23, 1995

4:3

AUB peers

ETFs holding AUB

Funds reporting this stock among their holdings, ordered by reported position size.

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