AUB vs TOWN vs UBSI vs NBTB

For growth investors, Atlantic Union Bankshares Corporation (AUB) is the stronger pick with 28.

2% revenue growth year-over-year, versus -1. 6% for TowneBank (TOWN). United Bankshares, Inc. (UBSI) offers the better valuation at 14. 0x trailing P/E (12. 6x forward), making it the more compelling value choice. Analysts rate Atlantic Union Bankshares Corporation (AUB) a "Buy" — based on 18 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, United Bankshares, Inc.

(UBSI) is the cheapest at 14. 0x versus Atlantic Union Bankshares Corporation at 19. 9x. On forward P/E, Atlantic Union Bankshares Corporation is actually cheaper at 10. 8x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: NBT Bancorp Inc. wins at 1. 64x versus Atlantic Union Bankshares Corporation's 10. 65x — a reasonable growth-adjusted valuation.

Over the past 5 years, NBT Bancorp Inc.

(NBTB) delivered a total return of +44. 4%, compared to +20. 9% for Atlantic Union Bankshares Corporation (AUB). Over 10 years, the gap is even starker: NBTB returned +108. 5% versus UBSI's +58. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), TowneBank (TOWN) is the lower-risk stock at 0.

68β versus Atlantic Union Bankshares Corporation's 1. 11β — meaning AUB is approximately 63% more volatile than TOWN relative to the S&P 500. On balance sheet safety, TowneBank (TOWN) carries a lower debt/equity ratio of 15% versus 30% for Atlantic Union Bankshares Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Atlantic Union Bankshares Corporation (AUB) is pulling ahead at 28.

2% versus -1. 6% for TowneBank (TOWN). On earnings-per-share growth, the picture is similar: United Bankshares, Inc. grew EPS 18. 9% year-over-year, compared to -9. 4% for Atlantic Union Bankshares Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

United Bankshares, Inc.

(UBSI) is the more profitable company, earning 25. 5% net margin versus 15. 9% for Atlantic Union Bankshares Corporation — meaning it keeps 25. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: UBSI leads at 32. 4% versus 19. 5% for AUB. At the gross margin level — before operating expenses — NBTB leads at 72. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, NBT Bancorp Inc. (NBTB) is the more undervalued stock at a PEG of 1. 64x versus Atlantic Union Bankshares Corporation's 10. 65x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Atlantic Union Bankshares Corporation (AUB) trades at 10. 8x forward P/E versus 12. 6x for United Bankshares, Inc. — 1. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for AUB: 12. 9% to $45. 50.

All stocks in this comparison pay dividends.

Atlantic Union Bankshares Corporation (AUB) offers the highest yield at 3. 7%, versus 2. 9% for TowneBank (TOWN).

For long-horizon retirement investors, TowneBank (TOWN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

68), 2. 9% yield, +104. 2% 10Y return). Both have compounded well over 10 years (TOWN: +104. 2%, AUB: +95. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: AUB is a small-cap high-growth stock; TOWN is a small-cap deep-value stock; UBSI is a small-cap deep-value stock; NBTB is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.