Atlantic Union Bankshares Corporation

NYSE:AUB Stock Report

Market Cap: US$6.1b

Atlantic Union Bankshares Future Growth

Future criteria checks 1/6

Atlantic Union Bankshares is forecast to grow earnings and revenue by 8.8% and 4.7% per annum respectively. EPS is expected to grow by 10.4% per annum. Return on equity is forecast to be 11.2% in 3 years.

Key information

8.8%

Earnings growth rate

10.39%

EPS growth rate

Banks earnings growth6.8%
Revenue growth rate4.7%
Future return on equity11.17%
Analyst coverage

Good

Last updated22 Jul 2026

Recent future growth updates

Recent updates

Narrative Update • Jul 23

AUB: Governance Reforms And Buybacks Will Support Measured Long-Term Outlook

Analysts have raised their price target for Atlantic Union Bankshares from $45.63 to $47.00, citing updated assumptions around revenue growth, profit margins and future P/E expectations. What’s in the News for Atlantic Union Bankshares Atlantic Union Bankshares completed a repurchase of 265,000 shares, representing 0.19% of shares, for US$10 million under the buyback announced on May 5, 2026.
Seeking Alpha • Jul 17

Atlantic Union Bankshares: This Mixed Bag Doesn't Deserve An Upgrade

Summary Atlantic Union Bankshares Corporation remains rated 'Hold' as valuation and asset quality do not justify an upgrade despite recent growth. AUB's acquisitions, notably Sandy Spring Bancorp, drove significant deposit and loan growth, boosting net interest income and non-interest income. Net interest margin improved to 3.80%, and non-performing loans/assets remain low at 0.35%/0.36%, supporting solid credit quality. Despite a forecasted EPS surge for Q2 2026, high uninsured deposits and premium price-to-book multiples keep AUB below my upgrade threshold. Read the full article on Seeking Alpha
Narrative Update • Jul 08

AUB: Governance Changes And Buybacks Will Support Balanced Long-Term Outlook

Analysts have raised their price target for Atlantic Union Bankshares from $44.25 to $45.63, citing updated assumptions about revenue growth, profit margins and future P/E levels used in their valuation analysis. What’s in the News for Atlantic Union Bankshares Shareholders approved amendments to Atlantic Union Bankshares Corporation’s articles of incorporation at the May 5, 2026 annual meeting, removing supermajority voting requirements related to removing directors and to future amendments to the articles.
Narrative Update • Jun 15

AUB: AI-Driven Expansion And Governance Reforms Will Support Future Upside

Analysts have nudged their price target for Atlantic Union Bankshares to $44.25 from $44.13, reflecting updated assumptions around revenue growth, profit margin and future P/E that remain broadly in line with prior views. What's in the News Recent coverage highlights Atlantic Union Bankshares' integration of Sandy Spring and expansion in North Carolina, with management pointing to loan activity, fee income and operational efficiency as key focus areas, supported by disciplined capital management and the use of AI tools to inform decisions.
Narrative Update • Jun 01

AUB: Governance Reforms And Share Repurchases Will Support Future Upside

Analysts have nudged their price target for Atlantic Union Bankshares slightly higher from $44.00 to about $44.13, reflecting refreshed views on its fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. What's in the News Shareholders approved amendments to the company’s articles of incorporation at the May 5, 2026 annual meeting, removing supermajority voting requirements tied to removing directors and amending the articles.
Narrative Update • Apr 28

AUB: Governance Reforms And New CFO Will Support Future Upside

Analysts have slightly reduced their price target on Atlantic Union Bankshares from about $44.31 to $44.00, reflecting updated assumptions around revenue growth, profitability and future P/E levels. What's in the News New 2026 guidance projects fully taxable equivalent net interest income between US$1.34b and US$1.35b for the full year, providing a clearer sense of the bank's income expectations for that period (Corporate guidance).
Narrative Update • Apr 10

AUB: Governance Reforms Will Support Future Upside Despite Slightly Lower Modeled Multiple

Analysts have adjusted their price target for Atlantic Union Bankshares to $44.31 from $45.19. This change reflects updated assumptions around revenue growth, profit margins, and future P/E expectations.
Narrative Update • Mar 27

AUB: Governance Reforms And Stable Credit Costs Will Support Future Upside

Atlantic Union Bankshares' analyst price target remains steady at $45.19, as analysts cite consistent assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E. What's in the News Shareholders are being asked at the 2026 annual meeting to approve amendments to the Articles of Incorporation that would remove supermajority voting requirements for removing directors and for future article amendments, shifting both to simple majority thresholds (Key Developments).
Narrative Update • Mar 12

AUB: Lower Net Charge Offs Will Support Future Upside Potential

Analysts have made a small adjustment to their price target for Atlantic Union Bankshares, trimming it by $0.25 to $45.19 as they refresh their assumptions on fair value and forward P/E, while keeping core growth and margin expectations effectively unchanged. What's in the News Alexander D.
Narrative Update • Feb 25

AUB: Lower Net Charge Offs Will Support Future Upside Potential

Analysts have slightly adjusted their price target for Atlantic Union Bankshares to $45.44 from $45.36, reflecting updated assumptions on fair value, discount rate, revenue growth, profit margin, and a lower future P/E multiple. What's in the News Atlantic Union Bankshares appointed Alexander D.
Narrative Update • Feb 11

AUB: Lower Net Charge Offs And Roadmap Disclosure Will Guide Future Upside

Analysts have raised their price target on Atlantic Union Bankshares to about $45.36 from $44.44, citing updated assumptions in their models for fair value, discount rate, revenue growth, profit margin and future P/E. What's in the News Reported net charge-offs of $0.9 million, or 0.01% of total average loans held for investment on an annualized basis for Q4 2025, compared with $38.6 million or 0.56% annualized for Q3 2025 and $1.4 million or 0.03% annualized for Q4 2024, with the Q3 2025 figure tied to two commercial and industrial loans that had been partially reserved in prior quarters (Key Developments).
Narrative Update • Jan 27

AUB: Dividend Hike And 2026 Earnings Guidance Will Support Future Upside

Analysts have adjusted their view on Atlantic Union Bankshares with a US$2.00 increase in fair value, linking this change to updated assumptions for the discount rate, revenue growth, profit margin, and future P/E. What's in the News Atlantic Union Bankshares issued earnings guidance for full year 2026, with expected net interest income in a range of US$1.350b to US$1.375b (Company guidance).
Narrative Update • Jan 12

AUB: Higher Dividend And Earnings Guidance Will Support Future Upside

Analysts have made only marginal tweaks to their assumptions on Atlantic Union Bankshares, keeping the implied fair value steady at about US$42.44 as small adjustments to revenue growth, profit margin, discount rate, and future P/E estimates did not warrant a material change in the overall price target. What's in the News Atlantic Union Bankshares plans an Analyst and Investor Day focused on outlining the company’s priorities and future plans, which may give you more clarity on management’s roadmap (Key Developments).
Narrative Update • Dec 27

AUB: Higher Dividend And Stronger Earnings Outlook Will Support Shares

Analysts have nudged their price target on Atlantic Union Bankshares higher by approximately 1 dollar to reflect slightly stronger expectations for revenue growth, profit margins, and future valuation multiples. What's in the News The board approves an 8.8 percent increase in the quarterly common dividend to 0.37 dollars per share, implying a dividend yield of about 4.5 percent based on the late October 2025 share price (Key Developments).
Narrative Update • Dec 12

AUB: Higher Dividend And Earnings Outlook Will Support Shares

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.
Narrative Update • Oct 10

Expanding Southeast Branches And Digital Banking Will Create Opportunity

Analysts have raised their price target for Atlantic Union Bankshares from $40.63 to $41.56, citing incremental improvements in projected revenue growth and profit margin metrics. What's in the News Reported net charge-offs of $666,000, or 0.01 percent of total average loans held for investment (annualized), for Q2 2025.
Narrative Update • Sep 26

Expanding Southeast Branches And Digital Banking Will Create Opportunity

Atlantic Union Bankshares’ modestly higher future P/E suggests a slightly improved earnings outlook, with stable profit margins supporting analysts’ small upward revision of the price target from $39.86 to $40.62. What's in the News Net charge-offs for Q2 2025 were $666,000 (0.01% of total average LHFI annualized), down from $2.3 million (0.05%) in Q1 2025 and $1.7 million (0.04%) in Q2 2024.
Narrative Update • Sep 05

Expanding Southeast Branches And Digital Banking Will Create Opportunity

The fair value target for Atlantic Union Bankshares was raised slightly to $39.86, reflecting a modest improvement in future earnings multiple while consensus revenue growth forecasts remain essentially unchanged. What's in the News Net charge-offs for Q2 2025 were $666,000 (0.01% of total average LHFI), down from $2.3 million (0.05%) in Q1 2025 and $1.7 million (0.04%) in Q2 2024.
Seeking Alpha • Jan 07

Atlantic Union Bankshares: A Transformative Play I Am Passing On

Summary Atlantic Union Bankshares is undergoing significant transformation, including acquisitions, but shares are currently priced high, justifying a 'hold' rating instead of a 'buy'. The company has seen growth in deposits and loans, notably through the acquisition of American National, but asset quality remains mixed. Despite improved financial performance in 2024, Atlantic Union's price-to-earnings and price-to-tangible book ratios are not compelling compared to peers. The upcoming acquisition of Sandy Spring Bancorp aims to boost operating results and market position, but the benefits won't be realized until 2026. Read the full article on Seeking Alpha
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New Narrative • Sep 04

Merger And Calculated Investments Set To Propel Bank Into A Future Of Growth And Efficiency

The merger with American National Bankshares aims to boost profitability and market share by expanding into new markets and realizing significant cost savings.

Earnings and Revenue Growth Forecasts

NYSE:AUB - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20281,734636N/AN/A1
12/31/20271,616554N/AN/A8
12/31/20261,561553N/AN/A8
6/30/20261,508475N/AN/AN/A
3/31/20261,4013342,2862,303N/A
12/31/20251,2332622,2252,237N/A
9/30/20251,0492082,2112,221N/A
6/30/20259081922,1272,132N/A
3/31/2025798197306313N/A
12/31/2024767197301308N/A
9/30/2024741196256263N/A
6/30/2024701174280285N/A
3/31/2024684204267273N/A
12/31/2023670190273278N/A
9/30/2023678204298302N/A
6/30/2023673208336340N/A
3/31/2023677215351355N/A
12/31/2022684223417420N/A
9/30/2022677200421425N/A
6/30/2022694216395400N/A
3/31/2022717240358365N/A
12/31/2021738252328338N/A
9/30/2021754264275296N/A
6/30/2021730250222247N/A
3/31/2021675199237266N/A
12/31/2020600153202232N/A
9/30/2020569152239262N/A
6/30/2020582147266287N/A
3/31/2020605165N/A232N/A
12/31/2019650194N/A195N/A
9/30/2019616182N/A179N/A
6/30/2019564168N/A193N/A
3/31/2019526169N/A194N/A
12/31/2018517149N/A217N/A
9/30/2018454120N/A162N/A
6/30/2018414102N/A116N/A
3/31/201837070N/A96N/A
12/31/201733172N/A110N/A
9/30/201733178N/A118N/A
6/30/201733178N/A97N/A
3/31/201733180N/A121N/A
12/31/201631576N/A94N/A
9/30/201632075N/A103N/A
6/30/201631472N/A116N/A
3/31/201630968N/A113N/A
12/31/201530767N/A111N/A
9/30/201530364N/A96N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: AUB's forecast earnings growth (8.8% per year) is above the savings rate (3.5%).

Earnings vs Market: AUB's earnings (8.8% per year) are forecast to grow slower than the US market (17% per year).

High Growth Earnings: AUB's earnings are forecast to grow, but not significantly.

Revenue vs Market: AUB's revenue (4.7% per year) is forecast to grow slower than the US market (12.5% per year).

High Growth Revenue: AUB's revenue (4.7% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: AUB's Return on Equity is forecast to be low in 3 years time (11.2%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/29 21:35
End of Day Share Price 2026/07/29 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

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Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Atlantic Union Bankshares Corporation is covered by 18 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Bryce RoweBaird
Jason GoldbergBarclays
Daniel CardenasBrean Capital Historical (Janney Montgomery)