Update shared on 12 Dec 2025
Fair value Decreased 0.28%Analysts have modestly trimmed their price target on Atlantic Union Bankshares, reflecting slightly slower projected revenue growth and a marginally lower fair value estimate of approximately $41.44 per share, down from about $41.56, even as expectations for profitability and valuation multiples remain relatively stable.
What's in the News
- Board approves an increased quarterly common dividend of $0.37 per share, up $0.03 or 8.8 percent. This implies an approximate 4.5 percent yield based on the late October 2025 share price. Payment is set for November 28, 2025 to shareholders of record on November 14, 2025 (Key Developments)
- Management issues new earnings guidance for the fourth quarter of 2025, projecting net interest income between $325 million and $330 million (Key Developments)
- Full year 2025 outlook calls for net interest income of approximately $1.160 billion to $1.165 billion, underscoring expectations for solid core banking revenue despite a mixed operating environment (Key Developments)
- Company reports a sharp increase in net charge offs to $38.6 million, or 0.56 percent of total average loans held for investment on an annualized basis for the third quarter of 2025, driven mainly by two commercial and industrial loan charge offs that had been partially reserved in prior periods (Key Developments)
- Atlantic Union Bankshares schedules an Analyst and Investor Day focused on outlining strategic priorities and long term growth plans for the franchise (Key Developments)
Valuation Changes
- Fair Value Estimate edged down slightly to approximately $41.44 per share from about $41.56 per share, reflecting a marginally lower intrinsic valuation.
- Discount Rate increased modestly from about 6.78 percent to roughly 6.96 percent, implying a slightly higher required return on equity risk.
- Revenue Growth was revised down meaningfully from around 28.84 percent to approximately 21.46 percent, signaling more cautious expectations for top line expansion.
- Net Profit Margin decreased slightly from roughly 41.72 percent to about 40.93 percent, indicating a modest reduction in projected profitability.
- Future P/E ticked up from about 10.86x to roughly 11.47x, suggesting a small increase in the multiple applied to forward earnings despite the softer growth outlook.
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