AUB Stock Overview
Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses.
No risks detected for AUB from our risk checks.
Atlantic Union Bankshares Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$34.52|
|52 Week High||US$42.67|
|52 Week Low||US$31.44|
|1 Month Change||1.89%|
|3 Month Change||-5.73%|
|1 Year Change||-4.64%|
|3 Year Change||-2.49%|
|5 Year Change||-0.087%|
|Change since IPO||590.40%|
Recent News & Updates
Atlantic Union Bankshares: Attractively Valued But Earnings Will Likely Decline Due To Provisioning
Acquisitions and regional economic factors will likely drive loan growth this year. The interest income is quite sensitive to interest rate hikes thanks to the nature of the loan portfolio. Provisioning will likely be higher in the remainder of the year compared to the first quarter due to loan additions and higher interest rates. The December 2022 target price suggests a high upside from the current market price. Further, Atlantic Union Bankshares is offering a decent dividend yield.
Atlantic Union Bankshares' (NASDAQ:AUB) Dividend Will Be US$0.28
Atlantic Union Bankshares Corporation ( NASDAQ:AUB ) has announced that it will pay a dividend of US$0.28 per share on...
|AUB||US Banks||US Market|
Return vs Industry: AUB exceeded the US Banks industry which returned -20.1% over the past year.
Return vs Market: AUB exceeded the US Market which returned -21.7% over the past year.
|AUB Average Weekly Movement||4.0%|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: AUB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: AUB's weekly volatility (4%) has been stable over the past year.
About the Company
Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses. The company accepts various deposit products, including checking, savings, NOW, time deposit, and money market accounts; certificates of deposit; and other depository services. It also provides loans for commercial, industrial, residential mortgage, and consumer purposes.
Atlantic Union Bankshares Fundamentals Summary
|AUB fundamental statistics|
Is AUB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AUB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||3.19|
|Net Profit Margin||33.42%|
How did AUB perform over the long term?See historical performance and comparison
3.2%Current Dividend Yield
Is AUB undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for AUB?
Other financial metrics that can be useful for relative valuation.
|What is AUB's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does AUB's PE Ratio compare to its peers?
|AUB PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
CBCY.B Central Bancompany
IBTX Independent Bank Group
FULT Fulton Financial
FRME First Merchants
AUB Atlantic Union Bankshares
Price-To-Earnings vs Peers: AUB is good value based on its Price-To-Earnings Ratio (10.8x) compared to the peer average (11.1x).
Price to Earnings Ratio vs Industry
How does AUB's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: AUB is expensive based on its Price-To-Earnings Ratio (10.8x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is AUB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||10.8x|
|Fair PE Ratio||13.7x|
Price-To-Earnings vs Fair Ratio: AUB is good value based on its Price-To-Earnings Ratio (10.8x) compared to the estimated Fair Price-To-Earnings Ratio (13.7x).
Share Price vs Fair Value
What is the Fair Price of AUB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: AUB ($34.52) is trading below our estimate of fair value ($48.49)
Significantly Below Fair Value: AUB is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: AUB is poor value based on its PEG Ratio (1.1x)
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How is Atlantic Union Bankshares forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AUB's forecast earnings growth (9.8% per year) is above the savings rate (1.9%).
Earnings vs Market: AUB's earnings (9.8% per year) are forecast to grow slower than the US market (13.6% per year).
High Growth Earnings: AUB's earnings are forecast to grow, but not significantly.
Revenue vs Market: AUB's revenue (5.8% per year) is forecast to grow slower than the US market (8.2% per year).
High Growth Revenue: AUB's revenue (5.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if AUB's Return on Equity is forecast to be high in 3 years time
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How has Atlantic Union Bankshares performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AUB has high quality earnings.
Growing Profit Margin: AUB's current net profit margins (33.4%) are higher than last year (29.4%).
Past Earnings Growth Analysis
Earnings Trend: AUB's earnings have grown significantly by 23.5% per year over the past 5 years.
Accelerating Growth: AUB's earnings growth over the past year (20.6%) is below its 5-year average (23.5% per year).
Earnings vs Industry: AUB earnings growth over the past year (20.6%) underperformed the Banks industry 20.7%.
Return on Equity
High ROE: AUB's Return on Equity (10.1%) is considered low.
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How is Atlantic Union Bankshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: AUB's Assets to Equity ratio (7.9x) is low.
Allowance for Bad Loans: AUB has a sufficient allowance for bad loans (353%).
Low Risk Liabilities: 95% of AUB's liabilities are made up of primarily low risk sources of funding.
Loan Level: AUB has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: AUB's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: AUB has an appropriate level of bad loans (0.2%).
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What is Atlantic Union Bankshares's current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AUB's dividend (3.24%) is higher than the bottom 25% of dividend payers in the US market (1.61%).
High Dividend: AUB's dividend (3.24%) is low compared to the top 25% of dividend payers in the US market (4.3%).
Stability and Growth of Payments
Stable Dividend: AUB's dividends per share have been stable in the past 10 years.
Growing Dividend: AUB's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (35.8%), AUB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
John Asbury (56 yo)
Mr. John C. Asbury has been the Chief Executive Officer of Atlantic Union Bank since October 1, 2016 and served as and President from October 2016 to September 2017. He was President of Atlantic Union Bank...
CEO Compensation Analysis
Compensation vs Market: John's total compensation ($USD3.27M) is below average for companies of similar size in the US market ($USD6.90M).
Compensation vs Earnings: John's compensation has been consistent with company performance over the past year.
Experienced Management: AUB's management team is seasoned and experienced (5.5 years average tenure).
Experienced Board: AUB's board of directors are considered experienced (7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Atlantic Union Bankshares Corporation's employee growth, exchange listings and data sources
- Name: Atlantic Union Bankshares Corporation
- Ticker: AUB
- Exchange: NasdaqGS
- Founded: 1902
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$2.589b
- Shares outstanding: 75.01m
- Website: https://www.atlanticunionbank.com
Number of Employees
- Atlantic Union Bankshares Corporation
- 1051 East Cary Street
- Suite 1200
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/01 00:00|
|End of Day Share Price||2022/07/01 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.