Atlantic Union Bankshares Corporation (AUB) Key Metrics
AUB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $5.44B
- Enterprise value
- $6.46B
- P/E (TTM)
- 11.3 10-yr median 15.7
- Forward P/E
- 9.1
- PEG ratio
- 1.08
- Price / sales
- 3.6 10-yr median 3.3
- Price / book
- 1.1 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 5.2
- Dividend yield
- 3.88% $1.48 a year
- Beta
- 0.79
AUB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsAUB valuation Price multiples at each fiscal year-end price.
AUB returns How much profit the business earns on the capital it uses.
AUB per-share figures Results divided by the shares outstanding at year-end.
AUB financial health Debt, liquidity and how easily interest is covered.
AUB efficiency & capital use Working capital cycle and where the cash goes.
AUB valuation history
AUB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
AUB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
AUB cash returned to shareholders
AUB price vs earnings per share
AUB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $4.56B | $3.33B | $2.74B | $2.63B | $2.89B | $2.60B | $3.01B | $1.86B | $1.58B | $1.57B |
| Enterprise value | $1.63B | $1.07B | $1.46B | $1.28B | −$887.8M | $407.2M | $2.18B | $1.58B | $1.63B | $1.43B |
| P/E ratio | 16.7 | 15.9 | 13.6 | 11.2 | 10.9 | 16.4 | 15.6 | 12.7 | 21.7 | 20.2 |
| Price / sales | 2.2 | 2.5 | 2.6 | 3.4 | 4.1 | 3.3 | 3.6 | 3.0 | 4.0 | 4.4 |
| Price / book | 0.9 | 1.1 | 1.1 | 1.1 | 1.1 | 1.0 | 1.2 | 1.0 | 1.5 | 1.6 |
| Price / free cash flow | 53.4 | 11.1 | 10.0 | 6.6 | 8.8 | 12.8 | 16.8 | 8.6 | 15.7 | 17.9 |
| Price / operating cash flow | 46.6 | 10.8 | 9.9 | 6.5 | 8.5 | 11.2 | 15.5 | 8.6 | 14.4 | 16.7 |
| EV / sales | 0.8 | 0.8 | 1.4 | 1.6 | -1.2 | 0.5 | 2.6 | 2.6 | 4.2 | 4.1 |
| EV / EBITDA | 4.3 | 3.6 | 5.2 | 3.9 | — | 1.8 | 8.1 | 7.7 | 12.5 | 11.4 |
| EV / free cash flow | 19.1 | 3.6 | 5.3 | 3.2 | — | 2.0 | 12.2 | 7.3 | 16.1 | 16.4 |
| Earnings yield | 6.0% | 6.3% | 7.4% | 8.9% | 9.1% | 6.1% | 6.4% | 7.9% | 4.6% | 4.9% |
| Free cash flow yield | 1.9% | 9.0% | 10.0% | 15.2% | 11.4% | 7.8% | 5.9% | 11.7% | 6.4% | 5.6% |
| Dividend yield | 4.2% | 3.7% | 3.8% | 3.7% | 3.3% | 3.3% | 2.6% | 3.1% | 2.2% | 2.1% |
| Shareholder yield (dividends + buybacks) | 4.2% | 3.7% | 3.8% | 5.6% | 7.7% | 5.2% | 5.3% | 3.1% | 2.2% | 4.3% |
| Share price at fiscal year-end | $35.30 | $37.88 | $36.54 | $35.14 | $37.29 | $32.94 | $37.55 | $28.23 | $36.17 | $35.74 |
| Per share | ||||||||||
| Revenue per share | $15.75 | $15.32 | $13.94 | $10.39 | $9.19 | $9.95 | $10.37 | $9.30 | $8.94 | $8.06 |
| Earnings per share | $2.12 | $2.38 | $2.69 | $3.13 | $3.41 | $2.01 | $2.41 | $2.22 | $1.67 | $1.77 |
| Operating cash flow per share | $0.76 | $3.51 | $3.71 | $5.39 | $4.36 | $2.94 | $2.43 | $3.29 | $2.52 | $2.14 |
| Free cash flow per share | $0.66 | $3.42 | $3.64 | $5.35 | $4.24 | $2.57 | $2.23 | $3.29 | $2.31 | $1.99 |
| Cash per share | $34.29 | $31.76 | $34.63 | $40.83 | $55.30 | $38.44 | $29.20 | $30.89 | $26.80 | $25.64 |
| Book value per share | $38.76 | $35.75 | $34.10 | $31.66 | $35.01 | $34.34 | $31.31 | $29.20 | $23.90 | $22.81 |
| Tangible book value per share | $22.90 | $20.98 | $21.50 | $18.96 | $22.36 | $21.75 | $18.74 | $17.43 | $16.74 | $15.54 |
| Dividends per share | $1.49 | $1.41 | $1.38 | $1.32 | $1.24 | $1.07 | $0.98 | $0.88 | $0.81 | $0.77 |
| Capex per share | $0.10 | $0.08 | $0.07 | $0.04 | $0.12 | $0.37 | $0.20 | $1.84 | $0.21 | $0.14 |
| Debt per share | $11.59 | $6.08 | $17.50 | $22.80 | $6.54 | $10.66 | $18.86 | $26.65 | $27.85 | $22.56 |
| Shares outstanding | 129.2M | 87.9M | 75.0M | 75.0M | 77.4M | 78.9M | 80.3M | 65.9M | 43.8M | 43.9M |
| Change in shares outstanding | +46.9% | +17.3% | +0.0% | −3.2% | −1.8% | −1.7% | +21.8% | +50.5% | −0.3% | −2.8% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 6.7% | 7.3% | 8.2% | 9.2% | 9.7% | 6.1% | 8.7% | 9.8% | 7.1% | 7.8% |
| Return on invested capital (ROIC) | 18.5% | 19.4% | 17.6% | — | — | 14.4% | 11.6% | 10.9% | 7.4% | 10.1% |
| Return on assets (ROA) | 0.9% | 0.9% | 1.0% | 1.2% | 1.3% | 0.9% | 1.2% | 1.3% | 0.8% | 1.0% |
| Return on tangible assets | 0.8% | 0.9% | 1.0% | 1.2% | 1.4% | 0.8% | 1.2% | 1.1% | 0.8% | 1.0% |
| Free cash flow margin | 4.2% | 22.4% | 26.1% | 51.5% | 46.2% | 25.8% | 21.5% | 35.4% | 25.8% | 24.7% |
| Income quality (OCF / net income) | 0.36 | 1.47 | 1.38 | 1.72 | 1.28 | 1.47 | 1.01 | 1.48 | 1.51 | 1.21 |
| Financial health | ||||||||||
| Total debt | $1.50B | $534.6M | $1.31B | $1.71B | $506.6M | $840.7M | $1.51B | $1.76B | $1.22B | $990.1M |
| Cash & short-term investments | $4.43B | $2.79B | $2.60B | $3.06B | $4.28B | $3.03B | $2.34B | $2.04B | $1.17B | $1.13B |
| Net debt | −$2.93B | −$2.26B | −$1.28B | −$1.35B | −$3.77B | −$2.19B | −$829.6M | −$279.5M | $46.3M | −$135.5M |
| Debt / equity | 0.30 | 0.17 | 0.51 | 0.72 | 0.19 | 0.31 | 0.60 | 0.91 | 1.17 | 0.99 |
| Debt / assets | 0.04 | 0.02 | 0.06 | 0.08 | 0.03 | 0.04 | 0.09 | 0.13 | 0.13 | 0.12 |
| Net debt / EBITDA | −7.69 | −7.65 | −4.57 | −4.15 | −10.22 | −9.55 | −3.06 | −1.36 | 0.36 | −1.08 |
| Current ratio | 6.81 | 0.14 | 0.15 | 0.18 | 0.26 | 0.19 | 0.17 | 0.18 | 0.15 | 0.16 |
| Quick ratio | 6.81 | 0.14 | 0.15 | 0.18 | 0.26 | 0.19 | 0.17 | 0.18 | 0.15 | 0.16 |
| Interest coverage | 0.5 | 0.5 | 0.7 | 3.7 | 7.8 | 1.9 | 1.4 | 1.8 | 2.1 | 3.4 |
| Working capital | $3.78B | −$17.72B | −$15.14B | −$14.19B | −$12.45B | −$13.04B | −$11.40B | −$9.02B | −$6.61B | −$5.83B |
| Invested capital | $2.08B | $885.2M | $1.27B | $1.02B | −$1.06B | $517.5M | $1.68B | $1.65B | $1.09B | $865.6M |
| Tangible asset value | $2.96B | $1.84B | $1.61B | $1.42B | $1.73B | $1.72B | $1.50B | $1.15B | $733.0M | $682.2M |
| Net current asset value | −$28.15B | −$18.65B | −$16.01B | −$15.03B | −$13.07B | −$13.89B | −$12.71B | −$9.81B | −$7.10B | −$6.30B |
| Graham number | $42.99 | $43.75 | $45.45 | $47.21 | $51.82 | $39.37 | $41.21 | $38.18 | $29.93 | $30.10 |
| Graham net-net per share | −$217.95 | −$212.15 | −$213.63 | −$200.50 | −$168.86 | −$176.06 | −$158.28 | −$148.72 | −$162.02 | −$143.43 |
| Capital allocation | ||||||||||
| Dividends paid | $192.1M | $123.9M | $103.3M | $98.8M | $96.2M | $84.5M | $78.3M | $58.0M | $35.4M | $33.7M |
| Share buybacks (net) | $0 | $0 | $0 | $48.2M | $125.0M | $49.9M | $80.3M | $0 | $0 | $33.2M |
| Dividend payout ratio | 70.2% | 59.2% | 51.2% | 42.1% | 36.4% | 53.4% | 40.5% | 39.7% | 48.5% | 43.5% |
| Dividends + buybacks / free cash flow | 224.9% | 41.1% | 37.8% | 36.6% | 67.4% | 66.4% | 88.7% | 26.8% | 35.0% | 76.4% |
| Capex / revenue | 0.6% | 0.5% | 0.5% | 0.4% | 1.3% | 3.8% | 1.9% | 19.8% | 2.4% | 1.8% |
| Capex / operating cash flow | 12.7% | 2.4% | 1.8% | 0.7% | 2.8% | 12.8% | 8.2% | 56.1% | 8.4% | 6.8% |
| Capex / depreciation | 0.28 | 0.21 | 0.12 | 0.06 | 0.19 | 0.69 | 0.40 | 4.62 | 0.37 | 0.27 |
| Stock-based compensation / revenue | — | 1.0% | 1.1% | 1.4% | 1.4% | 1.2% | 1.0% | 1.0% | 1.2% | 0.9% |
| SG&A / revenue | 22.2% | 22.5% | 25.5% | 31.9% | 32.9% | 28.9% | 28.5% | 31.7% | 39.0% | 42.5% |
| Efficiency | ||||||||||
| Days of inventory on hand | — | — | — | 3.4 | -41.2 | 7.4 | 11.4 | 18.9 | 46.0 | 119.8 |
| Days payables outstanding | — | — | — | 62,383.7 | -298,192.2 | 28,589.6 | 23,269.3 | 26,725.4 | 40,109.9 | 58,279.4 |
| Payables turnover | — | — | — | 0.01 | −0.00 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | — | — | — | 107.45 | −8.86 | 49.54 | 31.94 | 19.35 | 7.93 | 3.05 |
| Asset turnover | 0.07 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Average payables | — | — | — | $16.27B | $16.17B | $14.51B | $11.64B | $8.48B | $6.69B | $6.17B |
| Average inventory | — | — | — | $886,000 | $2.2M | $3.7M | $5.7M | $6.0M | $7.7M | $12.7M |
| Intangibles / total assets | 5.5% | 5.3% | 4.5% | 4.7% | 4.9% | 5.1% | 5.7% | 5.6% | 3.4% | 3.8% |
Computed from AUB's annual financial statements (latest annual report filed February 26, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
AUB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Atlantic Union Bankshares traded at 16.7 times earnings, against a 10-year median of 15.7. Based on the latest twelve months, the trailing P/E is 11.3 and the forward P/E is 9.1. Atlantic Union Bankshares earned a return on equity of 6.7% and a return on invested capital of 18.5% in fiscal 2025. It ended the year with $1.5 billion of debt and $4.4 billion in cash and short-term investments, a net cash position of $2.9 billion. It returned $192.1 million to shareholders: $192.1 million in dividends and $0 in share buybacks, 225% of free cash flow. The share count rose 194.3% from 43.9M to 129.2M over 9 years.
See the AUB income statement, the AUB chart for price history, or the AUB stock overview for the latest quote and news.
AUB key metrics FAQ
What is Atlantic Union Bankshares's P/E ratio?
Atlantic Union Bankshares's trailing P/E ratio is 11.3 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 9.1. At the end of fiscal 2025 it was 16.7, compared with a 10-year median of 15.7.
What is Atlantic Union Bankshares's EV/EBITDA?
Atlantic Union Bankshares's enterprise value was 4.3 times EBITDA at the end of fiscal 2025 (enterprise value $1.6 billion, EBITDA $381.1 million).
What is Atlantic Union Bankshares's return on equity?
Atlantic Union Bankshares's return on equity (ROE) was 6.7% in fiscal 2025: net income of $273.7 million on average shareholders' equity of $4.1 billion.
What is Atlantic Union Bankshares's ROIC?
Atlantic Union Bankshares's return on invested capital was 18.5% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Atlantic Union Bankshares have?
Atlantic Union Bankshares had total debt of $1.5 billion at the end of fiscal 2025, a debt-to-equity ratio of 0.30 and more cash than debt.
What is Atlantic Union Bankshares's dividend yield?
Atlantic Union Bankshares's forward dividend yield is 3.88%. Atlantic Union Bankshares paid $192.1 million in dividends in fiscal 2025 ($1.49 per share), a payout ratio of 70.2%.
What is Atlantic Union Bankshares's free cash flow yield?
Atlantic Union Bankshares generated $85.4 million of free cash flow in fiscal 2025, a free cash flow yield of 1.9% on its market value at year-end ($4.6 billion).
What is Atlantic Union Bankshares's current ratio?
Atlantic Union Bankshares's current ratio was 6.81 at the end of fiscal 2025: current assets were 6.81 times current liabilities.