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AUBAtlantic Union Bankshares Corporation$40.30$5.8B
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AUB logoAtlantic Union Bankshares Corporation(AUB)Earnings, Financials & Key Ratios

AUB•NASDAQ•Banking & Credit
19.9× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutAtlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses. The company accepts various deposit products, including checking, savings, NOW, time deposit, and money market accounts; certificates of deposit; and other depository services. It also provides loans for commercial, industrial, residential mortgage, and consumer purposes. In addition, the company offers credit cards, automated teller machine (ATM) services, mobile and internet banking services, and online bill payment services, as well as financial planning, trust, and wealth management services. Further, it provides securities, brokerage, and investment advisory products and services; and originates and sells residential loan products in the secondary market. As of February 25, 2022, it operated 130 branches and approximately 150 ATMs in Virginia, Maryland, and North Carolina. 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 Richmond, Virginia.Show more
  • Net Interest Income$1.15B+65.3%
  • Total Revenue$1.73B+28.2%
  • Net Income$274M+30.9%
  • Return on Equity6.72%-8.5%
  • Net Interest Margin3.07%+8.1%
  • Efficiency Ratio33.66%-10.7%
  • ROA0.88%-3.7%
  • Equity / Assets13.32%+4.2%
  • Book Value per Share38.76+8.4%
  • Tangible BV/Share22.90+9.1%
  • Debt/Equity0.30+75.8%

AUB Key Insights

Atlantic Union Bankshares Corporation (AUB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 33.7% efficiency ratio
  • ✓15 consecutive years of dividend growth
  • ✓Well capitalized: 13.3% equity/assets
  • ✓Healthy dividend yield of 3.7%
  • ✓Trading near 52-week high
  • ✓Trading at only 1.0x book value

✗Weaknesses

  • ✗Weak Piotroski F-Score: 3/9
  • ✗Shares diluted 46.9% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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AUB Price & Volume

Atlantic Union Bankshares Corporation (AUB) stock price & volume — 10-year historical chart

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AUB Growth Metrics

Atlantic Union Bankshares Corporation (AUB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.58%
5 Years17.07%
3 Years30.38%
TTM-

Profit CAGR

10 Years15.1%
5 Years11.58%
3 Years5.29%
TTM30.88%

EPS CAGR

10 Years3.14%
5 Years1.02%
3 Years-11.91%
TTM7.86%

Return on Capital

10 Years6.85%
5 Years6.72%
3 Years5.27%
Last Year1.64%

AUB Recent Earnings

Atlantic Union Bankshares Corporation (AUB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 21, 2026
EPS
$0.89
Est $0.88
+1.1%
Revenue
$372M
Est $382M
-2.7%
Q1 2026
Jan 22, 2026
EPS
$0.97
Est $0.86
+12.8%
Revenue
$391M
Est $379M
+3.3%
Q4 2025
Oct 23, 2025
EPS
$0.84
Est $0.84
-0.4%
Revenue
$355M
Est $379M
-6.4%
Q3 2025
Jul 24, 2025
EPS
$0.95
Est $0.80
+18.8%
Revenue
$402M
Est $374M
+7.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.89vs $0.88+1.1%
$372Mvs $382M-2.7%
Q1 2026Jan 22, 2026
$0.97vs $0.86+12.8%
$391Mvs $379M+3.3%
Q4 2025Oct 23, 2025
$0.84vs $0.84-0.4%
$355Mvs $379M-6.4%
Q3 2025Jul 24, 2025
$0.95vs $0.80+18.8%
$402Mvs $374M+7.3%
Based on last 12 quarters of dataView full earnings history →

AUB Peer Comparison

Atlantic Union Bankshares Corporation (AUB) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
UBSI logoUBSIUnited Bankshares, Inc.Direct Competitor6.38B45.6513.9612.33%25.52%8.6%0.17
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.97B75.2414.78-3.05%21.14%10.65%0.11
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.52B48.1814.4710.36%18.76%9.51%0.17
FULT logoFULTFulton Financial CorporationDirect Competitor4.5B23.3611.235.03%20.7%11.6%0.37
TOWN logoTOWNTowneBankDirect Competitor2.73B35.6716.14-1.61%15.63%7.28%0.15
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.27B22.51-7.63-56.66%-64.33%-11.48%0.19
OFG logoOFGOFG BancorpProduct Competitor2.07B48.0610.704.84%23.78%15.21%0.42
CATY logoCATYCathay General BancorpProduct Competitor4.08B60.9813.43-0.43%22.76%10.89%0.07

Compare AUB vs Peers

Atlantic Union Bankshares Corporation (AUB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs UBSI

Most directly comparable listed peer for AUB.

Scale Benchmark

vs V

Larger-name benchmark to compare AUB against a more recognizable public peer.

Peer Set

Compare Top 5

vs UBSI, WSFS, NBTB, FULT

AUB Income Statement

Atlantic Union Bankshares Corporation (AUB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
279.01M426.69M537.87M555.3M551.26M584.26M611.01M698.54M1.15B
NII Growth %
5.7%52.93%26.06%3.24%-0.73%5.99%4.58%14.32%65.33%
Net Interest Margin %
3%3.1%3.06%2.83%2.75%2.86%2.89%2.84%3.07%
Interest Income
329.04M528.79M699.33M653.45M592.36M660.43M954.45M1.23B1.82B
Interest Expense
50.04M102.1M161.46M98.16M41.1M76.17M343.44M529M666.57M
Loan Loss Provision
10.8M13.74M21.09M87.14M-60.89M19.03M31.62M50.09M141.79M
Non-Interest Income
62.43M84.28M132.81M131.49M118.8M118.52M90.88M118.88M-95.12M
Non-Interest Income %
15.95%13.75%15.96%16.75%16.71%15.22%8.69%8.83%-5.51%
Total Revenue
391.47M▲ 0%
613.06M▲ 56.6%
832.15M▲ 35.7%
784.94M▼ 5.7%
711.16M▼ 9.4%
778.96M▲ 9.5%
1.05B▲ 34.2%
1.35B▲ 28.8%
1.73B▲ 28.2%
Revenue Growth %
10.72%56.6%35.74%-5.67%-9.4%9.53%34.2%28.8%28.22%
Non-Interest Expense
225.67M317.8M418.34M413.35M412.19M403.8M430.37M507.53M581.01M
Efficiency Ratio
57.65%51.84%50.27%52.66%57.96%51.84%41.17%37.7%33.66%
Operating Income
104.97M▲ 0%
179.43M▲ 70.9%
231.25M▲ 28.9%
186.29M▼ 19.4%
318.76M▲ 71.1%
279.95M▼ 12.2%
239.9M▼ 14.3%
259.79M▲ 8.3%
336.99M▲ 29.7%
Operating Margin %
26.81%29.27%27.79%23.73%44.82%35.94%22.95%19.3%19.52%
Operating Income Growth %
3.07%70.94%28.88%-19.44%71.11%-12.17%-14.31%8.29%29.71%
Pretax Income
104.97M▲ 0%
179.43M▲ 70.9%
231.25M▲ 28.9%
186.29M▼ 19.4%
318.76M▲ 71.1%
279.95M▼ 12.2%
239.9M▼ 14.3%
259.79M▲ 8.3%
336.99M▲ 29.7%
Pretax Margin %
26.81%29.27%27.79%23.73%44.82%35.94%22.95%19.3%19.52%
Income Tax
32.79M30.02M37.56M28.07M54.84M45.44M38.08M50.66M63.27M
Effective Tax Rate %
31.24%16.73%16.24%15.07%17.2%16.23%15.87%19.5%18.78%
Net Income
72.92M▲ 0%
146.25M▲ 100.6%
193.53M▲ 32.3%
158.23M▼ 18.2%
263.92M▲ 66.8%
234.51M▼ 11.1%
201.82M▼ 13.9%
209.13M▲ 3.6%
273.71M▲ 30.9%
Net Margin %
18.63%23.86%23.26%20.16%37.11%30.11%19.31%15.53%15.85%
Net Income Growth %
-5.88%100.55%32.33%-18.24%66.8%-11.14%-13.94%3.62%30.88%
Net Income (Continuing)
72.18M149.41M193.7M158.23M263.92M234.51M201.82M209.13M273.71M
EPS (Diluted)
1.67▲ 0%
2.22▲ 32.9%
2.41▲ 8.6%
1.93▼ 19.9%
3.26▲ 68.9%
2.97▼ 8.9%
2.53▼ 14.8%
2.24▼ 11.5%
2.03▼ 9.4%
EPS Growth %
-5.65%32.93%8.56%-19.92%68.91%-8.9%-14.81%-11.46%-9.38%
EPS (Basic)
1.672.222.411.933.262.972.532.292.03
Diluted Shares Outstanding
43.78M65.91M80.26M78.88M77.42M74.95M74.96M87.91M129.16M

AUB Balance Sheet

Atlantic Union Bankshares Corporation (AUB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
1.17B2.04B2.34B3.03B4.28B3.06B2.6B2.79B4.43B
Cash & Due from Banks
198.88M260.98M397.86M491.28M799.68M318.49M364.36M350.13M234.26M
Short Term Investments
974.22M1.77B1.95B2.54B3.48B2.74B2.23B2.44B4.19B
Total Investments
8.32B11.94B15.13B17.04B17.23B17.93B18.58B21.55B4.19B
Investments Growth %
11.63%43.52%26.64%12.68%1.08%4.09%3.6%15.98%-80.53%
Long-Term Investments
7.35B10.17B13.18B14.5B13.74B15.19B16.35B19.11B0
Accounts Receivables
000000000
Goodwill & Intangibles
313.33M775.85M1.01B992.75M978.87M951.97M944.39M1.3B2.05B
Goodwill
298.53M727.17M935.56M935.56M935.56M925.21M925.21M1.21B1.73B
Intangible Assets
14.8M48.68M73.67M57.19M43.31M26.76M19.18M84.56M315.54M
PP&E (Net)
119.6M146.97M161.07M163.83M134.81M118.24M90.96M112.7M166.75M
Other Assets
361.5M638.06M869.52M937.81M924.87M1.14B1.19B1.28B0
Total Current Assets
1.17B2.04B2.34B3.03B4.28B3.06B2.6B2.79B4.43B
Total Non-Current Assets
8.14B11.73B15.22B16.6B15.78B17.4B18.57B21.79B2.22B
Total Assets
9.32B▲ 0%
13.77B▲ 47.8%
17.56B▲ 27.6%
19.63B▲ 11.8%
20.06B▲ 2.2%
20.46B▲ 2.0%
21.17B▲ 3.4%
24.59B▲ 16.2%
37.59B▲ 52.9%
Asset Growth %
10.54%47.78%27.59%11.76%2.22%1.98%3.45%16.15%52.88%
Return on Assets (ROA)
0.82%1.27%1.24%0.85%1.33%1.16%0.97%0.91%0.88%
Accounts Payable
000000000
Total Debt
1.22B1.76B1.51B840.72M506.59M1.71B1.31B534.62M1.5B
Net Debt
1.02B1.5B1.12B349.44M-293.08M1.39B947.5M184.49M1.26B
Long-Term Debt
425.26M668.48M1.08B489.83M388.72M389.86M391.02M418.34M771.86M
Short-Term Debt
794.15M1.09B436.25M350.89M117.87M1.32B920.83M116.28M725.43M
Other Liabilities
57.72M113.78M231.16M356.48M237.06M448.02M479.88M510.21M31.16B
Total Current Liabilities
7.79B11.06B13.74B16.07B16.73B17.25B17.74B20.51B650M
Total Non-Current Liabilities
482.98M782.26M1.31B846.31M625.79M837.89M870.91M928.55M31.93B
Total Liabilities
8.27B11.84B15.05B16.92B17.35B18.09B18.61B21.44B32.58B
Total Equity
1.05B▲ 0%
1.92B▲ 83.9%
2.51B▲ 30.6%
2.71B▲ 7.8%
2.71B▲ 0.1%
2.37B▼ 12.4%
2.56B▲ 7.7%
3.14B▲ 22.9%
5.01B▲ 59.3%
Equity Growth %
4.52%83.94%30.58%7.77%0.06%-12.45%7.74%22.95%59.29%
Equity / Assets (Capital Ratio)
11.23%13.98%14.31%13.8%13.51%11.6%12.08%12.78%13.32%
Return on Equity (ROE)
7.12%9.85%8.72%6.06%9.74%9.23%8.19%7.34%6.72%
Book Value per Share
23.9029.2031.3134.3435.0131.6634.1035.7538.76
Tangible BV per Share
16.7417.4318.7421.7522.3618.9621.5020.9822.90
Common Stock
57.74M87.25M105.83M104.17M100.1M98.87M99.15M118.52M188.56M
Additional Paid-in Capital
610M1.38B1.79B1.92B1.81B1.77B1.78B2.28B3.89B
Retained Earnings
379.47M467.35M581.39M616.05M783.79M919.54M1.02B1.1B1.18B
Accumulated OCI
-884K-10.27M35.58M71.02M18.64M-418.29M-343.35M-359.69M-256.09M
Treasury Stock
000000000
Preferred Stock
000173K173K173K173K173K173K

AUB Cash Flow Statement

Atlantic Union Bankshares Corporation (AUB) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
110.33M216.76M194.8M231.92M337.79M419.67M278.05M308.46M97.85M
Operating CF Growth %
17.57%96.46%-10.13%19.06%45.65%24.24%-33.75%10.94%-68.28%
Net Income
72.92M146.25M193.53M158.23M263.92M234.51M201.82M209.13M273.71M
Depreciation & Amortization
25.2M26.33M39.98M43.11M50.73M45.43M40.96M35.31M0
Deferred Taxes
5.62M17.82M15.06M2.69M43.51M25.05M2.17M34.15M0
Other Non-Cash Items
6.54M-17.82M-16.05M52.91M21.92M8.05M23.31M18.36M-153.69M
Working Capital Changes
-4.61M38.06M-46.04M-34.27M-52.38M96.02M-1.32M11.51M-22.18M
Cash from Investing
-885.75M-770.04M-425.4M-1.92B-345.44M-1.28B-603.28M-295.69M-268.17M
Purchase of Investments
-306.79M-1.53B-491.62M-1.17B-1.65B-453.56M-561.07M-659.42M-1.76B
Sale/Maturity of Investments
259.22M718.27M764.98M660.9M562.12M406.4M1.1B947.41M1.29B
Net Investment Activity
-47.58M-814.97M273.37M-504.4M-1.09B-47.16M537.32M288M-473.96M
Acquisitions
4.81M160.19M46.15M000054.99M270.21M
Other Investing
-833.72M-115.27M-729.03M-1.38B753.73M-1.23B-1.14B-631.28M-52.01M
Cash from Financing
795.56M615.1M405.44M1.74B316.86M375.18M383.42M-36.83M169.61M
Dividends Paid
-35.39M-58M-78.34M-84.52M-96.17M-98.77M-103.28M-123.88M-192.13M
Share Repurchases
00-80.28M-49.88M-125M-48.23M000
Stock Issued
1.04M2.35M1.99M1.01M3.14M3.88M778K228K384.96M
Net Stock Activity
1.04M2.35M-78.29M-48.87M-121.86M-44.36M778K228K384.96M
Debt Issuance (Net)
1000K1000K-1000K-1000K-1000K1000K-1000K-1000K1000K
Other Financing
602.54M427.11M1.1B2.42B885.74M-682.66M883.93M989.72M-160.21M
Net Change in Cash
20.14M▲ 0%
61.83M▲ 207.0%
174.83M▲ 182.8%
57.26M▼ 67.2%
309.21M▲ 440.0%
-482.55M▼ 256.1%
58.18M▲ 112.1%
-24.06M▼ 141.3%
-712K▲ 97.0%
Exchange Rate Effect
000000000
Cash at Beginning
179.24M199.37M261.2M436.03M493.29M802.5M319.95M378.13M15.22M
Cash at End
199.37M261.2M436.03M493.29M802.5M319.95M378.13M354.07M14.51M
Interest Paid
47.77M99.23M159.93M101.05M40.67M70.66M326.98M516.49M0
Income Taxes Paid
24M10.83M25.06M26.1M1.34M1.63M19.5M3.75M0
Free Cash Flow
101.07M▲ 0%
216.76M▲ 114.5%
178.91M▼ 17.5%
202.35M▲ 13.1%
328.39M▲ 62.3%
416.82M▲ 26.9%
272.94M▼ 34.5%
301.06M▲ 10.3%
85.44M▼ 71.6%
FCF Growth %
15.51%114.47%-17.46%13.1%62.29%26.93%-34.52%10.3%-71.62%

AUB Banking Ratios

Atlantic Union Bankshares Corporation (AUB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)7.76%7.12%9.85%8.72%6.06%9.74%9.23%8.19%7.34%6.72%
Return on Assets (ROA)0.96%0.82%1.27%1.24%0.85%1.33%1.16%0.97%0.91%0.88%
Net Interest Margin3.13%3%3.1%3.06%2.83%2.75%2.86%2.89%2.84%3.07%
Efficiency Ratio60.27%57.65%51.84%50.27%52.66%57.96%51.84%41.17%37.7%33.66%
Equity / Assets11.88%11.23%13.98%14.31%13.8%13.51%11.6%12.08%12.78%13.32%
Book Value / Share22.8123.929.231.3134.3435.0131.6634.135.7538.76
NII Growth4.82%5.7%52.93%26.06%3.24%-0.73%5.99%4.58%14.32%65.33%
Dividend Payout43.46%48.53%39.66%40.48%49.84%31.94%37.06%51.18%59.23%70.19%
Related:AUB Dividend History·AUB Revenue History·AUB Price History·AUB P/E History·AUB Financial Ratios·AUB Institutional Holders

AUB SEC Filings & Documents

Atlantic Union Bankshares Corporation (AUB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Mar 31, 2026·SEC

Material company update

Mar 3, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 7, 2025·SEC

AUB Frequently Asked Questions

Atlantic Union Bankshares Corporation (AUB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Atlantic Union Bankshares Corporation (AUB) grew revenue by 28.2% over the past year. This is strong growth.

Yes, Atlantic Union Bankshares Corporation (AUB) is profitable, generating $273.7M in net income for fiscal year 2025 (15.9% net margin).

Dividend & Returns

Yes, Atlantic Union Bankshares Corporation (AUB) pays a dividend with a yield of 3.69%. This makes it attractive for income-focused investors.

Atlantic Union Bankshares Corporation (AUB) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.

Industry Metrics

Atlantic Union Bankshares Corporation (AUB) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

Atlantic Union Bankshares Corporation (AUB) has an efficiency ratio of 33.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in AUB back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in AUB be worth today?

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