Atlantic Union Bankshares Corporation (AUB) AI Stock Analysis

Headquartered in Richmond, Virginia, Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank. Operating through Wholesale Banking and Consumer Banking segments, the company provides deposit services such as checking, savings, NOW, time deposit, and money market accounts. Its lending activities include commercial, industrial, residential mortgage, and consumer loans. Additionally, it offers treasury management, capital markets, wealth management, private banking, trust, financial planning, brokerage, equipment finance, and insurance services across branch networks, ATMs, and digital platforms.

Atlantic Union Bankshares expanded revenue from $711.2M in FY2021 to $2.03B in FY2025, representing 51.1% revenue growth in FY2025. Annual net income moved from $263.9M in FY2021 to $273.7M in FY2025, while operating margin fell from 44.8% to 16.6% over the same span. Diluted EPS was $3.33 in FY2025 compared to $3.52 in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $1.51B with an operating margin of 56.1% and a profit margin of 32.3%. In the quarter ended June 30, 2026, quarterly revenue grew 35.8% year-over-year, while quarterly earnings grew 834.8%.

As of June 30, 2026, the company held $990.3M in cash and short-term investments against total debt of $1.73B, resulting in net debt of $735.4M. Shareholders' equity was $5.15B against total assets of $38.10B, with a debt-to-equity ratio of 0.33 and a current ratio of 0.03. In FY2025, operating cash flow was $97.8M and free cash flow was $85.4M after capital expenditures of $12.4M. Cash usage included $192.1M in dividends paid, alongside $385.0M from share issuance.

AUB trades at a trailing P/E of 11.3x and a forward P/E of 9.1x, both below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales ratio of 3.6x is above the peer median of 3.2x, while its price-to-book ratio is 1.1x. Over the past year, the stock returned 20.4%, outperforming the S&P 500 return of 16.8%. Over a 5-year period, AUB delivered a 22.8% return, trailing the S&P 500 return of 83.0%.

AUB pays a forward annual dividend of $1.48 per share, representing a dividend yield of 3.88% and a payout ratio of 40.7%. The dividend is distributed quarterly, supported by 33 consecutive years of payments. The annualized 5-year dividend growth rate stands at 6.8%, and the company's last ex-dividend date occurred on August 7, 2026.

Wall Street coverage consists of 5 Strong Buy, 1 Buy, and 3 Hold ratings. The mean price target is $47.12, representing a 23.7% premium over the last close of $38.11. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $1.56B and EPS of $3.76, indicating 9.4% EPS growth. AUB beat EPS estimates in 3 of the last 4 quarters, with the next earnings release scheduled for October 20, 2026.

This page is an AI-written research summary of Atlantic Union Bankshares Corporation (AUB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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