Atlantic Union Bankshares Corpo (AUB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Atlantic Union Bankshares Corpo

NYSE•Financial Services•Banks - Regional

$39.14-0.75(-0.02%)Pre-market

Market Cap

$5.55B

P/E

11.4x

P/S

3.6x

P/B

1.1x

Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. The company operates in two segments, Wholesale Banking and Consumer Banking. It accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. The company provides loans for commercial real estate, commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Glen Allen, Virginia.

How this company scores

GoodMetricSide Score: 75/100

Strongest: Growth (22/25); weakest: Cash & Earnings Quality (16/25).

Profitability21/25

Growth22/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality16/25

Strengths

Growing revenueStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.4x5y range 10.9x – 23.0x

Currently near its 20-quarter median.

P/S · 3.6x5y range 3.2x – 4.7x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.9x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 58.3% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $5.55B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.54B
Q. Revenue: $415.37M
TTM EBITDA: $703.39M
TTM Op. Income: $617.10M
Q. Op. Income: $204.49M
TTM Net Income: $487.28M
Q. Net Income: $161.01M
EPS: $1.11
Shares Out.: $142.10M

$1.54B in TTM revenue grew 46.5% YoY, reaching $415.37M last quarter. TTM EBITDA of $703.39M and TTM operating income of $617.10M show growth is flowing through to the bottom line. TTM net income of $487.28M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 54.1%
Op. Margin: 49.2%
Net Margin: 38.8%

Op. margin of 49.2% is up 44.9% YoY — cost efficiency is improving. Net margin at 38.8% Across the last 8 quarters, operating margin has risen for 4 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.4x
P/S Ratio: 3.6x
P/B Ratio: 1.1x

At 11.4x P/E, the stock trades below typical market levels. P/S of 3.6x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $38.10B
Cash: $990.30M
Long-Term Debt: $775.68M
Book Value: $5.15B
D/E Ratio: 0.2
Debt/EBITDA: 3.5

With $38.10B in assets and $775.68M in long-term debt, D/E is 0.2and book value is $5.15B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $150.16M
TTM Free Cash Flow: $523.57M
FCF Margin: 34.0%
FCF / Net Income: 1.1

TTM FCF of $523.57M on $150.16M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 75% — a weakening trend.