ATLANTIC UNION BANKSHARES CO (AUB) Fundamental Analysis & Valuation

NYSE:AUB • US04911A1079

Current stock price

37.445 USD
-0.46 (-1.23%)
Last:

This AUB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. AUB Profitability Analysis

1.1 Basic Checks

  • In the past year AUB was profitable.
  • AUB had a positive operating cash flow in the past year.
  • In the past 5 years AUB has always been profitable.
  • AUB had a positive operating cash flow in each of the past 5 years.
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 2025 500M 1B 1.5B 2B

1.2 Ratios

  • AUB has a Return On Assets of 0.70%. This is in the lower half of the industry: AUB underperforms 74.47% of its industry peers.
  • AUB's Return On Equity of 5.23% is on the low side compared to the rest of the industry. AUB is outperformed by 81.12% of its industry peers.
Industry RankSector Rank
ROA 0.7%
ROE 5.23%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.95%
ROE(3y)6.31%
ROE(5y)7.52%
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 2025 2 4 6 8

1.3 Margins

  • AUB has a Profit Margin of 19.05%. This is in the lower half of the industry: AUB underperforms 75.27% 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) 19.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.59%
PM growth 5Y-3.03%
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 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. AUB Health Analysis

2.1 Basic Checks

  • AUB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, AUB has more shares outstanding
  • AUB has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, AUB has a worse debt to assets ratio.
AUB Yearly Shares OutstandingAUB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
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 2025 10B 20B 30B

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 better Debt to FCF ratio (0.39) than 83.51% of its industry peers.
  • AUB has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • AUB has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.39
Altman-Z N/A
ROIC/WACCN/A
WACC15.79%
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 2025 1B 2B 3B 4B 5B

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 2025 200M 400M 600M 800M 1B

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

7

3. AUB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.19% over the past year.
  • The Earnings Per Share has been growing by 11.41% on average over the past years. This is quite good.
  • AUB shows a strong growth in Revenue. In the last year, the Revenue has grown by 68.13%.
  • The Revenue has been growing by 14.88% on average over the past years. This is quite good.
EPS 1Y (TTM)35.19%
EPS 3Y3.89%
EPS 5Y11.41%
EPS Q2Q%56.14%
Revenue 1Y (TTM)68.13%
Revenue growth 3Y25.05%
Revenue growth 5Y14.88%
Sales Q2Q%74.24%

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 14.81% yearly.
  • Based on estimates for the next years, AUB will show a quite strong growth in Revenue. The Revenue will grow by 8.37% on average per year.
EPS Next Y14.16%
EPS Next 2Y10.78%
EPS Next 3Y14.81%
EPS Next 5YN/A
Revenue Next Year15.7%
Revenue Next 2Y10%
Revenue Next 3Y8.37%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 5

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7

4. AUB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.26, the valuation of AUB can be described as very reasonable.
  • Based on the Price/Earnings ratio, AUB is valued a bit cheaper than the industry average as 75.27% of the companies are valued more expensively.
  • AUB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
  • A Price/Forward Earnings ratio of 9.16 indicates a reasonable 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 68.35% of the companies listed in the same industry.
  • AUB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.62.
Industry RankSector Rank
PE 10.26
Fwd PE 9.16
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

  • Based on the Price/Free Cash Flow ratio, AUB is valued cheaper than 97.61% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.4
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

  • The 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 14.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)0.9
EPS Next 2Y10.78%
EPS Next 3Y14.81%

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

8

5. AUB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.90%, AUB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, AUB pays a better dividend. On top of this AUB pays more dividend than 85.90% of the companies listed in the same industry.
  • AUB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.9%

5.2 History

  • The dividend of AUB is nicely growing with an annual growth rate of 9.32%!
  • 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)9.32%
Div Incr Years15
Div Non Decr Years15
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

  • AUB pays out 73.38% of its income as dividend. This is not a sustainable payout ratio.
  • AUB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP73.38%
EPS Next 2Y10.78%
EPS Next 3Y14.81%
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 2025 500M 1B 1.5B 2B
AUB Dividend Payout.AUB Dividend Payout, showing the Payout Ratio.AUB Dividend Payout.PayoutRetained Earnings

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AUB Fundamentals: All Metrics, Ratios and Statistics

ATLANTIC UNION BANKSHARES CO

NYSE:AUB (4/24/2026, 3:21:04 PM)

37.445

-0.46 (-1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21
Earnings (Next)07-22
Inst Owners85.58%
Inst Owner Change-1.08%
Ins Owners0.86%
Ins Owner Change5.26%
Market Cap5.34B
Revenue(TTM)1.37B
Net Income(TTM)261.85M
Analysts78.46
Price Target45.07 (20.36%)
Short Float %5.87%
Short Ratio8.01
Dividend
Industry RankSector Rank
Dividend Yield 3.9%
Yearly Dividend1.66
Dividend Growth(5Y)9.32%
DP73.38%
Div Incr Years15
Div Non Decr Years15
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.49%
Min EPS beat(2)-0.84%
Max EPS beat(2)11.82%
EPS beat(4)2
Avg EPS beat(4)6.06%
Min EPS beat(4)-19.76%
Max EPS beat(4)33.01%
EPS beat(8)3
Avg EPS beat(8)-0.38%
EPS beat(12)6
Avg EPS beat(12)-2.55%
EPS beat(16)8
Avg EPS beat(16)-1.87%
Revenue beat(2)1
Avg Revenue beat(2)-0.88%
Min Revenue beat(2)-3.11%
Max Revenue beat(2)1.34%
Revenue beat(4)2
Avg Revenue beat(4)0.42%
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)3
Avg Revenue beat(12)-2.8%
Revenue beat(16)4
Avg Revenue beat(16)-2.4%
PT rev (1m)-2.48%
PT rev (3m)4.12%
EPS NQ rev (1m)-0.88%
EPS NQ rev (3m)1.13%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)2.56%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)1.11%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)0.63%
Valuation
Industry RankSector Rank
PE 10.26
Fwd PE 9.16
P/S 3.89
P/FCF 2.4
P/OCF 2.39
P/B 1.07
P/tB 1.81
EV/EBITDA N/A
EPS(TTM)3.65
EY9.75%
EPS(NY)4.09
Fwd EY10.91%
FCF(TTM)15.6
FCFY41.67%
OCF(TTM)15.69
OCFY41.9%
SpS9.64
BVpS35.11
TBVpS20.74
PEG (NY)0.72
PEG (5Y)0.9
Graham Number53.6958 (43.4%)
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 5.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.05%
GM N/A
FCFM 161.89%
ROA(3y)0.8%
ROA(5y)0.95%
ROE(3y)6.31%
ROE(5y)7.52%
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-15.59%
PM growth 5Y-3.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.39
Debt/EBITDA N/A
Cap/Depr 28.17%
Cap/Sales 0.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 849.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.79%
ROIC/WACCN/A
Cap/Depr(3y)20.52%
Cap/Depr(5y)17.3%
Cap/Sales(3y)0.84%
Cap/Sales(5y)0.87%
Profit Quality(3y)379.54%
Profit Quality(5y)289.83%
High Growth Momentum
Growth
EPS 1Y (TTM)35.19%
EPS 3Y3.89%
EPS 5Y11.41%
EPS Q2Q%56.14%
EPS Next Y14.16%
EPS Next 2Y10.78%
EPS Next 3Y14.81%
EPS Next 5YN/A
Revenue 1Y (TTM)68.13%
Revenue growth 3Y25.05%
Revenue growth 5Y14.88%
Sales Q2Q%74.24%
Revenue Next Year15.7%
Revenue Next 2Y10%
Revenue Next 3Y8.37%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year28.71%
EBIT Next 3Y14.65%
EBIT Next 5YN/A
FCF growth 1Y639.04%
FCF growth 3Y77.02%
FCF growth 5Y61.53%
OCF growth 1Y625.35%
OCF growth 3Y76.92%
OCF growth 5Y57.36%

ATLANTIC UNION BANKSHARES CO / AUB Fundamental Analysis FAQ

What is the fundamental rating for AUB stock?

ChartMill assigns a fundamental rating of 5 / 10 to AUB.


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

ChartMill assigns a valuation rating of 7 / 10 to ATLANTIC UNION BANKSHARES CO (AUB). This can be considered as Undervalued.


How profitable is ATLANTIC UNION BANKSHARES CO (AUB) stock?

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


What is the valuation of ATLANTIC UNION BANKSHARES CO based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ATLANTIC UNION BANKSHARES CO (AUB) is 10.26 and the Price/Book (PB) ratio is 1.07.


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 14.16% in the next year.