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Atlantic Union Bankshares Corp (AUB.PA) stock analysis

AUB.PANYSEState Commercial BanksFiscal year ends December 31Also trades as AUB
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 17/307% below fair value
$22.22−0.51 (-2.24%)

Close on Oct 30, 2026Market cap $3.17BP/E 6.6Yield 6.26%

StockData Score

Prices as of Oct 30, 2026How the score works

Value5Growth3Performance4Health3Dividend2

Solid17 of 30 checks passed

Atlantic Union Bankshares passes 17 of the 30 checks behind our score; 6 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
5/6
Growth
3/6
Past performance
4/6
Financial health
3/6
Dividend
2/6

What stands out

  • Trading below fair value

    The share price of $39.27 is below our fair value estimate of $42.03.

  • Modest borrowings

    Borrowings other than deposits are 21.5% of equity.

  • Earnings grew over 5 years

    Net income grew 11.6% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 25.1% a year over the last three fiscal years.

What to watch

  • Margin of safety under 20%

    The price is 6.6% below fair value, less than the 20% cushion we look for.

  • Return on equity under 15%

    Return on equity was 9.8% over the last twelve months and averaged 8.2% over five years; we look for 15% on both.

  • EPS growing under 10% a year

    Diluted EPS grew -11.9% a year over the last three fiscal years.

  • Return on equity below the industry

    Atlantic Union Bankshares's return on equity of 9.8% is below the Commercial Banks median of 11.2%.

Valuation5/6

  • P/E below its 5-year median

    Atlantic Union Bankshares's P/E of 11.7 is below its own 5-year median of 13.0.

  • P/E below the industry

    Atlantic Union Bankshares's P/E of 11.7 is below the Commercial Banks median of 12.3.

  • P/S below the industry

    Atlantic Union Bankshares's price-to-sales of 3.64 is below the Commercial Banks median of 3.64.

  • P/B below the industry

    Atlantic Union Bankshares's price-to-book of 1.09 is below the Commercial Banks median of 1.27.

  • Trading below fair value

    The share price of $39.27 is below our fair value estimate of $42.03.

  • Margin of safety under 20%

    The price is 6.6% below fair value, less than the 20% cushion we look for.

Growth3/6

  • Revenue growing 10%+ a year

    Revenue grew 25.1% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew -11.9% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 139% over the last twelve months, against a 5-year average of 11.6% a year.

  • Growing faster than the industry

    Revenue grew 46.5% over the last twelve months; the Commercial Banks median is 11.4%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity under 15%

    Return on equity was 9.8% over the last twelve months and averaged 8.2% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Atlantic Union Bankshares's return on equity of 9.8% is below the Commercial Banks median of 11.2%.

  • Earnings grew over 5 years

    Net income grew 11.6% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 31.6% over the last twelve months, against a 5-year average of 29.3%.

  • Net margin above the industry

    Atlantic Union Bankshares's net margin of 31.6% is above the Commercial Banks median of 30.0%.

Financial health3/6

  • Well capitalized

    Equity is 13.5% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Non-interest expense takes 57.8% of revenue; under 60% is efficient for a bank.

  • Deposits shrinking

    Deposits fell 1.6% over the past year.

  • Modest borrowings

    Borrowings other than deposits are 21.5% of equity.

Dividend2/6

  • Pays a dividend

    Atlantic Union Bankshares paid dividends worth 3.8% of the share price over the last twelve months.

  • Yield below Treasuries

    The 3.8% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 4.0% or more; Atlantic Union Bankshares yields 3.8%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$42.03

The share price is 7% below this estimate.

20%+ below
Near fair value
20%+ above
$39.27Price
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E12.7×13.0×12.3×$42.4350%
P/B1.2×1.0×1.3×$41.6450%
Fair value$42.03100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 13.0
  • Commercial Banks median 12.3

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$49.66M
Value traded per 1% price move
$48.98M

Downside

Medium risk

Typical loss in a bad month
15.1%
Volatility (annualized)
25%
Sharpe ratio, 1 year
0.61
Beta to the S&P 500 (5Y)
0.80

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

19.9%−3.1 pts over 5 years