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Atlantic Union Bankshares NasdaqGS:AUB Stock Report

Last Price


Market Cap







02 Jul, 2022


Company Financials +
AUB fundamental analysis
Snowflake Score
Future Growth1/6
Past Performance3/6
Financial Health6/6

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.

Atlantic Union Bankshares Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Atlantic Union Bankshares
Historical stock prices
Current Share PriceUS$34.52
52 Week HighUS$42.67
52 Week LowUS$31.44
1 Month Change-0.92%
3 Month Change-5.73%
1 Year Change-4.64%
3 Year Change-2.49%
5 Year Change-0.087%
Change since IPO590.40%

Recent News & Updates

Jun 20

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.

May 07
Atlantic Union Bankshares' (NASDAQ:AUB) Dividend Will Be US$0.28

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...

Shareholder Returns

AUBUS BanksUS Market

Return vs Industry: AUB exceeded the US Banks industry which returned -18.3% over the past year.

Return vs Market: AUB exceeded the US Market which returned -21.2% over the past year.

Price Volatility

Is AUB's price volatile compared to industry and market?
AUB volatility
AUB Average Weekly Movement4.0%
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

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

19021,876John Asbury

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

How do Atlantic Union Bankshares's earnings and revenue compare to its market cap?
AUB fundamental statistics
Market CapUS$2.59b
Earnings (TTM)US$239.55m
Revenue (TTM)US$716.73m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
AUB income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$716.73m
Other ExpensesUS$477.18m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date


Earnings per share (EPS)3.19
Gross Margin100.00%
Net Profit Margin33.42%
Debt/Equity Ratio23.9%

How did AUB perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio
We’ve recently updated our valuation analysis.


Is AUB undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


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

  • PEG Ratio

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.

AUB key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.1x

Price to Earnings Ratio vs Peers

How does AUB's PE Ratio compare to its peers?

AUB PE Ratio vs Peers
The above table shows the PE ratio for AUB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average11.1x
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.

AUB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.8x
Fair PE Ratio13.7x

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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Future Growth

How is Atlantic Union Bankshares forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

Future Growth Score


Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


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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Past Performance

How has Atlantic Union Bankshares performed over the past 5 years?

Past Performance Score


Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


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 20.8%.

Return on Equity

High ROE: AUB's Return on Equity (10.1%) is considered low.

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Financial Health

How is Atlantic Union Bankshares's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score


Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

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


Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • 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 (1.6%).

High Dividend: AUB's dividend (3.24%) is low compared to the top 25% of dividend payers in the US market (4.25%).

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 ($USD3.27M) is below average for companies of similar size in the US market ($USD6.91M).

Compensation vs Earnings: John's compensation has been consistent with company performance over the past year.

Leadership Team

Experienced Management: AUB's management team is seasoned and experienced (5.6 years average tenure).

Board Members

Experienced Board: AUB's board of directors are considered experienced (5.1 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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Atlantic Union Bankshares Corporation's employee growth, exchange listings and data sources

Key Information

  • 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:

Number of Employees


  • Atlantic Union Bankshares Corporation
  • 1051 East Cary Street
  • Suite 1200
  • Richmond
  • Virginia
  • 23219
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/02 00:00
End of Day Share Price2022/07/01 00:00
Annual Earnings2021/12/31

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.