ATLANTIC UNION BANKSHARES CO (AUB) Stock Fundamental Analysis

NYSE:AUB • US04911A1079

38.13 USD
-1.38 (-3.49%)
Last: Feb 27, 2026, 10:07 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall AUB gets a fundamental rating of 3 out of 10. We evaluated AUB against 379 industry peers in the Banks industry. AUB has a bad profitability rating. Also its financial health evaluation is rather negative. AUB is valued correctly, but it does not seem to be growing. AUB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year AUB was profitable.
  • In the past year AUB had a positive cash flow from operations.
  • AUB had positive earnings in 4 of the past 5 years.
  • Of the past 5 years AUB 4 years had a positive operating cash flow.
AUB Yearly Net Income VS EBIT VS OCF VS FCFAUB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

  • AUB has a Return On Assets of 0.56%. This is in the lower half of the industry: AUB underperforms 74.93% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.22%, AUB is doing worse than 81.27% of the companies in the same industry.
Industry RankSector Rank
ROA 0.56%
ROE 4.22%
ROIC N/A
ROA(3y)0.93%
ROA(5y)0.96%
ROE(3y)7.7%
ROE(5y)7.6%
ROIC(3y)N/A
ROIC(5y)N/A
AUB Yearly ROA, ROE, ROICAUB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • AUB has a Profit Margin of 17.22%. This is in the lower half of the industry: AUB underperforms 73.09% of its industry peers.
  • AUB's Profit Margin has declined in the last couple of years.
  • AUB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.22%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.45%
PM growth 5Y-3.51%
GM growth 3YN/A
GM growth 5YN/A
AUB Yearly Profit, Operating, Gross MarginsAUB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • AUB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • AUB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AUB Yearly Shares OutstandingAUB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
AUB Yearly Total Debt VS Total AssetsAUB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

  • AUB has a debt to FCF ratio of 0.39. This is a very positive value and a sign of high solvency as it would only need 0.39 years to pay back of all of its debts.
  • AUB has a Debt to FCF ratio of 0.39. This is amongst the best in the industry. AUB outperforms 82.85% of its industry peers.
  • AUB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • AUB's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. AUB outperforms 48.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.39
Altman-Z N/A
ROIC/WACCN/A
WACC13.96%
AUB Yearly LT Debt VS Equity VS FCFAUB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AUB Yearly Current Assets VS Current LiabilitesAUB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 19.78% over the past year.
  • Measured over the past years, AUB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.41% on average per year.
EPS 1Y (TTM)19.78%
EPS 3Y3.89%
EPS 5Y11.41%
EPS Q2Q%44.78%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%77.21%

3.2 Future

  • AUB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.18% yearly.
  • Based on estimates for the next years, AUB will show a small growth in Revenue. The Revenue will grow by 7.95% on average per year.
EPS Next Y13.58%
EPS Next 2Y10.92%
EPS Next 3Y13.18%
EPS Next 5YN/A
Revenue Next Year15.77%
Revenue Next 2Y10%
Revenue Next 3Y7.95%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
AUB Yearly Revenue VS EstimatesAUB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
AUB Yearly EPS VS EstimatesAUB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.45 indicates a reasonable valuation of AUB.
  • Based on the Price/Earnings ratio, AUB is valued a bit cheaper than 60.69% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AUB to the average of the S&P500 Index (27.11), we can say AUB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.08, which indicates a very decent valuation of AUB.
  • The rest of the industry has a similar Price/Forward Earnings ratio as AUB.
  • AUB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.13.
Industry RankSector Rank
PE 11.45
Fwd PE 10.08
AUB Price Earnings VS Forward Price EarningsAUB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • AUB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AUB is cheaper than 97.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.44
EV/EBITDA N/A
AUB Per share dataAUB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • AUB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • AUB's earnings are expected to grow with 13.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)1
EPS Next 2Y10.92%
EPS Next 3Y13.18%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.71%, AUB has a reasonable but not impressive dividend return.
  • AUB's Dividend Yield is a higher than the industry average which is at 2.74.
  • Compared to an average S&P500 Dividend Yield of 1.80, AUB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.71%

5.2 History

  • On average, the dividend of AUB grows each year by 6.99%, which is quite nice.
  • AUB has paid a dividend for at least 10 years, which is a reliable track record.
  • AUB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.99%
Div Incr Years14
Div Non Decr Years14
AUB Yearly Dividends per shareAUB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 81.82% of the earnings are spent on dividend by AUB. This is not a sustainable payout ratio.
  • AUB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP81.82%
EPS Next 2Y10.92%
EPS Next 3Y13.18%
AUB Yearly Income VS Free CF VS DividendAUB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
AUB Dividend Payout.AUB Dividend Payout, showing the Payout Ratio.AUB Dividend Payout.PayoutRetained Earnings

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ATLANTIC UNION BANKSHARES CO

NYSE:AUB (2/27/2026, 10:07:01 AM)

38.13

-1.38 (-3.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners84.73%
Inst Owner Change2.08%
Ins Owners0.77%
Ins Owner Change0.8%
Market Cap5.41B
Revenue(TTM)N/A
Net Income(TTM)207.67M
Analysts78.33
Price Target45.39 (19.04%)
Short Float %5.26%
Short Ratio6.12
Dividend
Industry RankSector Rank
Dividend Yield 3.71%
Yearly Dividend1.5
Dividend Growth(5Y)6.99%
DP81.82%
Div Incr Years14
Div Non Decr Years14
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)16.09%
Min EPS beat(2)-0.84%
Max EPS beat(2)33.01%
EPS beat(4)1
Avg EPS beat(4)-0.47%
Min EPS beat(4)-19.76%
Max EPS beat(4)33.01%
EPS beat(8)3
Avg EPS beat(8)-1.52%
EPS beat(12)6
Avg EPS beat(12)-2.76%
EPS beat(16)7
Avg EPS beat(16)-2.79%
Revenue beat(2)1
Avg Revenue beat(2)2.46%
Min Revenue beat(2)-3.11%
Max Revenue beat(2)8.02%
Revenue beat(4)1
Avg Revenue beat(4)-0.58%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)8.02%
Revenue beat(8)2
Avg Revenue beat(8)-1.99%
Revenue beat(12)2
Avg Revenue beat(12)-2.98%
Revenue beat(16)4
Avg Revenue beat(16)-2.31%
PT rev (1m)4.86%
PT rev (3m)10.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.26%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 11.45
Fwd PE 10.08
P/S 4.48
P/FCF 2.44
P/OCF 2.43
P/B 1.1
P/tB 1.89
EV/EBITDA N/A
EPS(TTM)3.33
EY8.73%
EPS(NY)3.78
Fwd EY9.92%
FCF(TTM)15.6
FCFY40.91%
OCF(TTM)15.67
OCFY41.09%
SpS8.5
BVpS34.68
TBVpS20.15
PEG (NY)0.84
PEG (5Y)1
Graham Number50.98
Profitability
Industry RankSector Rank
ROA 0.56%
ROE 4.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.22%
GM N/A
FCFM 183.43%
ROA(3y)0.93%
ROA(5y)0.96%
ROE(3y)7.7%
ROE(5y)7.6%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.45%
PM growth 5Y-3.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.39
Debt/EBITDA N/A
Cap/Depr 22.5%
Cap/Sales 0.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1064.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.96%
ROIC/WACCN/A
Cap/Depr(3y)13.25%
Cap/Depr(5y)25.4%
Cap/Sales(3y)0.68%
Cap/Sales(5y)1.55%
Profit Quality(3y)156.36%
Profit Quality(5y)146.4%
High Growth Momentum
Growth
EPS 1Y (TTM)19.78%
EPS 3Y3.89%
EPS 5Y11.41%
EPS Q2Q%44.78%
EPS Next Y13.58%
EPS Next 2Y10.92%
EPS Next 3Y13.18%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%77.21%
Revenue Next Year15.77%
Revenue Next 2Y10%
Revenue Next 3Y7.95%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year17.62%
EBIT Next 3Y31.32%
EBIT Next 5Y24.1%
FCF growth 1Y664.95%
FCF growth 3Y-2.86%
FCF growth 5Y10.97%
OCF growth 1Y658.86%
OCF growth 3Y-2.98%
OCF growth 5Y9.63%

ATLANTIC UNION BANKSHARES CO / AUB FAQ

What is the fundamental rating for AUB stock?

ChartMill assigns a fundamental rating of 3 / 10 to AUB.


Can you provide the valuation status for ATLANTIC UNION BANKSHARES CO?

ChartMill assigns a valuation rating of 6 / 10 to ATLANTIC UNION BANKSHARES CO (AUB). This can be considered as Fairly Valued.


What is the profitability of AUB stock?

ATLANTIC UNION BANKSHARES CO (AUB) has a profitability rating of 2 / 10.


Can you provide the financial health for AUB stock?

The financial health rating of ATLANTIC UNION BANKSHARES CO (AUB) is 3 / 10.


What is the earnings growth outlook for ATLANTIC UNION BANKSHARES CO?

The Earnings per Share (EPS) of ATLANTIC UNION BANKSHARES CO (AUB) is expected to grow by 13.58% in the next year.