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ATLANTIC UNION BANKSHARES CO (AUB) Stock Fundamental Analysis

NYSE:AUB - New York Stock Exchange, Inc. - US04911A1079 - Common Stock - Currency: USD

30.75  -0.77 (-2.44%)

After market: 30.75 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to AUB. AUB was compared to 396 industry peers in the Banks industry. AUB has a bad profitability rating. Also its financial health evaluation is rather negative. AUB has a decent growth rate and is not valued too expensively. AUB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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 each of the past 5 years.
In the past 5 years AUB always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

With a Return On Assets value of 0.80%, AUB perfoms like the industry average, outperforming 46.97% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.19%, AUB is doing worse than 69.19% of the companies in the same industry.
Industry RankSector Rank
ROA 0.8%
ROE 6.19%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

The Profit Margin of AUB (23.01%) is comparable to the rest of the industry.
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) 23.01%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

AUB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AUB has been increased compared to 1 year ago.
The number of shares outstanding for AUB has been increased compared to 5 years ago.
AUB has a better debt/assets ratio than last year.
AUB Yearly Shares OutstandingAUB Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

The Debt to FCF ratio of AUB is 1.57, which is an excellent value as it means it would take AUB, only 1.57 years of fcf income to pay off all of its debts.
AUB has a Debt to FCF ratio (1.57) which is in line with its industry peers.
AUB has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
AUB has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.57
Altman-Z N/A
ROIC/WACCN/A
WACC15.47%
AUB Yearly LT Debt VS Equity VS FCFAUB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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6

3. Growth

3.1 Past

AUB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.09%.
AUB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.29% yearly.
Looking at the last year, AUB shows a very strong growth in Revenue. The Revenue has grown by 20.39%.
AUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.04% yearly.
EPS 1Y (TTM)-9.09%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-12.31%
Revenue 1Y (TTM)20.39%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%23.04%

3.2 Future

The Earnings Per Share is expected to grow by 13.08% on average over the next years. This is quite good.
AUB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.93% yearly.
EPS Next Y10.13%
EPS Next 2Y18.04%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue Next Year60.31%
Revenue Next 2Y36.28%
Revenue Next 3Y23.93%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
AUB Yearly Revenue VS EstimatesAUB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
AUB Yearly EPS VS EstimatesAUB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.39 indicates a reasonable valuation of AUB.
Compared to the rest of the industry, the Price/Earnings ratio of AUB is on the same level as its industry peers.
AUB is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.94, which indicates a rather cheap valuation of AUB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AUB indicates a somewhat cheap valuation: AUB is cheaper than 75.51% of the companies listed in the same industry.
AUB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.39
Fwd PE 7.94
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 in line with the industry average.
Industry RankSector Rank
P/FCF 14.33
EV/EBITDA N/A
AUB Per share dataAUB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

AUB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as AUB's earnings are expected to grow with 13.08% in the coming years.
PEG (NY)1.12
PEG (5Y)39.23
EPS Next 2Y18.04%
EPS Next 3Y13.08%

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8

5. Dividend

5.1 Amount

AUB has a Yearly Dividend Yield of 7.24%, which is a nice return.
Compared to an average industry Dividend Yield of 3.48, AUB pays a better dividend. On top of this AUB pays more dividend than 96.21% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, AUB pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.24%

5.2 History

The dividend of AUB is nicely growing with an annual growth rate of 6.99%!
AUB has paid a dividend for at least 10 years, which is a reliable track record.
AUB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.99%
Div Incr Years14
Div Non Decr Years14
AUB Yearly Dividends per shareAUB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

66.08% of the earnings are spent on dividend by AUB. This is not a sustainable payout ratio.
The dividend of AUB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP66.08%
EPS Next 2Y18.04%
EPS Next 3Y13.08%
AUB Yearly Income VS Free CF VS DividendAUB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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 (6/13/2025, 8:04:01 PM)

After market: 30.75 0 (0%)

30.75

-0.77 (-2.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners64.6%
Inst Owner Change8.45%
Ins Owners0.75%
Ins Owner Change15.92%
Market Cap4.38B
Analysts80
Price Target38.47 (25.11%)
Short Float %3.91%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield 7.24%
Yearly Dividend1.5
Dividend Growth(5Y)6.99%
DP66.08%
Div Incr Years14
Div Non Decr Years14
Ex-Date05-23 2025-05-23 (0.34)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-17.03%
Min EPS beat(2)-19.76%
Max EPS beat(2)-14.29%
EPS beat(4)1
Avg EPS beat(4)-8.94%
Min EPS beat(4)-19.76%
Max EPS beat(4)0.83%
EPS beat(8)4
Avg EPS beat(8)-3.53%
EPS beat(12)6
Avg EPS beat(12)-4.94%
EPS beat(16)8
Avg EPS beat(16)-1.15%
Revenue beat(2)0
Avg Revenue beat(2)-3.61%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-2.65%
Revenue beat(4)0
Avg Revenue beat(4)-4.14%
Min Revenue beat(4)-4.81%
Max Revenue beat(4)-2.65%
Revenue beat(8)1
Avg Revenue beat(8)-3.06%
Revenue beat(12)2
Avg Revenue beat(12)-3.49%
Revenue beat(16)3
Avg Revenue beat(16)-2.88%
PT rev (1m)-0.31%
PT rev (3m)-19.07%
EPS NQ rev (1m)4.95%
EPS NQ rev (3m)7.52%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.97%
Revenue NQ rev (1m)0.75%
Revenue NQ rev (3m)2.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.6%
Valuation
Industry RankSector Rank
PE 11.39
Fwd PE 7.94
P/S 5.11
P/FCF 14.33
P/OCF 13.98
P/B 1.38
P/tB 2.32
EV/EBITDA N/A
EPS(TTM)2.7
EY8.78%
EPS(NY)3.87
Fwd EY12.6%
FCF(TTM)2.15
FCFY6.98%
OCF(TTM)2.2
OCFY7.16%
SpS6.02
BVpS22.36
TBVpS13.28
PEG (NY)1.12
PEG (5Y)39.23
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 6.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.01%
GM N/A
FCFM 35.67%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.57
Debt/EBITDA N/A
Cap/Depr 21.82%
Cap/Sales 0.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 154.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.47%
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)-9.09%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-12.31%
EPS Next Y10.13%
EPS Next 2Y18.04%
EPS Next 3Y13.08%
EPS Next 5YN/A
Revenue 1Y (TTM)20.39%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%23.04%
Revenue Next Year60.31%
Revenue Next 2Y36.28%
Revenue Next 3Y23.93%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-4.96%
EBIT Next 3Y30.21%
EBIT Next 5YN/A
FCF growth 1Y-12.25%
FCF growth 3Y-2.86%
FCF growth 5Y10.97%
OCF growth 1Y-10.99%
OCF growth 3Y-2.98%
OCF growth 5Y9.63%