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AUBAtlantic Union Bankshares Corporation
$40.36$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 23, 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%

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%
TTM65.44%

EPS CAGR

10 Years3.14%
5 Years1.02%
3 Years-11.91%
TTM27.4%

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
Metric
Actual
Est
EPS
$0.89+1.1%
$0.88
Rev
$372M-2.7%
$382M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.97+12.8%
$0.86
Rev
$391M+3.3%
$379M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.84-0.4%
$0.84
Rev
$355M-6.4%
$379M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$0.95+18.8%
$0.80
Rev
$402M+7.3%
$374M
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 Competitor6.24B45.2913.8512.33%36.72%9.27%0.17
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.96B76.0014.93-3.05%22.64%11.38%0.11
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.5B48.1014.4410.36%19.66%9.83%0.17
FULT logoFULTFulton Financial CorporationDirect Competitor4.52B23.6611.385.03%20.93%11.45%0.37
TOWN logoTOWNTowneBankDirect Competitor2.72B35.5416.08-1.61%14.75%6.36%0.15
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.26B22.48-7.62-56.66%-63.53%-10.51%0.19
OFG logoOFGOFG BancorpProduct Competitor2.03B48.0310.704.84%24.2%15.62%0.42
CATY logoCATYCathay General BancorpProduct Competitor4.08B60.8913.41-0.43%24.09%11.37%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'25TTM
Net Interest Income
279.01M426.69M537.87M555.3M551.26M584.26M611.01M698.54M1.15B1.28B
NII Growth %
5.7%52.93%26.06%3.24%-0.73%5.99%4.58%14.32%65.33%298.44%
Net Interest Margin %
3%3.1%3.06%2.83%2.75%2.86%2.89%2.84%3.07%3.44%
Interest Income
329.04M528.79M699.33M653.45M592.36M660.43M954.45M1.23B1.82B1.99B
Interest Expense
50.04M102.1M161.46M98.16M41.1M76.17M343.44M529M666.57M704.26M
Loan Loss Provision
10.8M13.74M21.09M87.14M-60.89M19.03M31.62M50.09M141.79M108.44M
Non-Interest Income
62.43M84.28M132.81M131.49M118.8M118.52M90.88M118.88M-95.12M209.48M
Non-Interest Income %
15.95%13.75%15.96%16.75%16.71%15.22%8.69%8.83%-5.51%9.54%
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%
2.2B▲ 0%
Revenue Growth %
10.72%56.6%35.74%-5.67%-9.4%9.53%34.2%28.8%28.22%231.03%
Non-Interest Expense
225.67M317.8M418.34M413.35M412.19M403.8M430.37M507.53M581.01M951.85M
Efficiency Ratio
57.65%51.84%50.27%52.66%57.96%51.84%41.17%37.7%33.66%43.33%
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%
432.3M▲ 0%
Operating Margin %
26.81%29.27%27.79%23.73%44.82%35.94%22.95%19.3%19.52%19.68%
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%
430.09M▲ 0%
Pretax Margin %
26.81%29.27%27.79%23.73%44.82%35.94%22.95%19.3%19.52%19.58%
Income Tax
32.79M30.02M37.56M28.07M54.84M45.44M38.08M50.66M63.27M84.03M
Effective Tax Rate %
31.24%16.73%16.24%15.07%17.2%16.23%15.87%19.5%18.78%19.54%
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%
346.06M▲ 0%
Net Margin %
18.63%23.86%23.26%20.16%37.11%30.11%19.31%15.53%15.85%15.75%
Net Income Growth %
-5.88%100.55%32.33%-18.24%66.8%-11.14%-13.94%3.62%30.88%65.44%
Net Income (Continuing)
72.18M149.41M193.7M158.23M263.92M234.51M201.82M209.13M273.71M346.06M
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%
2.44▲ 0%
EPS Growth %
-5.65%32.93%8.56%-19.92%68.91%-8.9%-14.81%-11.46%-9.38%27.4%
EPS (Basic)
1.672.222.411.933.262.972.532.292.03-
Diluted Shares Outstanding
43.78M65.91M80.26M78.88M77.42M74.95M74.96M87.91M129.16M142.12M

AUB Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
1.17B2.04B2.34B3.03B4.28B3.06B2.6B2.79B4.43B7.43B
Cash & Due from Banks
198.88M260.98M397.86M491.28M799.68M318.49M364.36M350.13M234.26M451.37M
Short Term Investments
974.22M1.77B1.95B2.54B3.48B2.74B2.23B2.44B4.19B0
Total Investments
8.32B11.94B15.13B17.04B17.23B17.93B18.58B21.55B4.19B33.06B
Investments Growth %
11.63%43.52%26.64%12.68%1.08%4.09%3.6%15.98%-80.53%69.06%
Long-Term Investments
7.35B10.17B13.18B14.5B13.74B15.19B16.35B19.11B096.82B
Accounts Receivables
0000000000
Goodwill & Intangibles
313.33M775.85M1.01B992.75M978.87M951.97M944.39M1.3B2.05B2.05B
Goodwill
298.53M727.17M935.56M935.56M935.56M925.21M925.21M1.21B1.73B1.75B
Intangible Assets
14.8M48.68M73.67M57.19M43.31M26.76M19.18M84.56M315.54M300.1M
PP&E (Net)
119.6M146.97M161.07M163.83M134.81M118.24M90.96M112.7M166.75M162.55M
Other Assets
361.5M638.06M869.52M937.81M924.87M1.14B1.19B1.28B01.58B
Total Current Assets
1.17B2.04B2.34B3.03B4.28B3.06B2.6B2.79B4.43B451.37M
Total Non-Current Assets
8.14B11.73B15.22B16.6B15.78B17.4B18.57B21.79B2.22B36.86B
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%
37.32B▲ 0%
Asset Growth %
10.54%47.78%27.59%11.76%2.22%1.98%3.45%16.15%52.88%204.42%
Return on Assets (ROA)
0.82%1.27%1.24%0.85%1.33%1.16%0.97%0.91%0.88%0.93%
Accounts Payable
0000000000
Total Debt
1.22B1.76B1.51B840.72M506.59M1.71B1.31B534.62M1.5B1.3B
Net Debt
1.02B1.5B1.12B349.44M-293.08M1.39B947.5M184.49M1.26B853.22M
Long-Term Debt
425.26M668.48M1.08B489.83M388.72M389.86M391.02M418.34M771.86M774.98M
Short-Term Debt
794.15M1.09B436.25M350.89M117.87M1.32B920.83M116.28M725.43M529.61M
Other Liabilities
57.72M113.78M231.16M356.48M237.06M448.02M479.88M510.21M31.16B30.96B
Total Current Liabilities
7.79B11.06B13.74B16.07B16.73B17.25B17.74B20.51B650M529.61M
Total Non-Current Liabilities
482.98M782.26M1.31B846.31M625.79M837.89M870.91M928.55M31.93B31.73B
Total Liabilities
8.27B11.84B15.05B16.92B17.35B18.09B18.61B21.44B32.58B32.26B
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%
5.05B▲ 0%
Equity Growth %
4.52%83.94%30.58%7.77%0.06%-12.45%7.74%22.95%59.29%231.19%
Equity / Assets (Capital Ratio)
11.23%13.98%14.31%13.8%13.51%11.6%12.08%12.78%13.32%13.54%
Return on Equity (ROE)
7.12%9.85%8.72%6.06%9.74%9.23%8.19%7.34%6.72%6.99%
Book Value per Share
23.9029.2031.3134.3435.0131.6634.1035.7538.7635.55
Tangible BV per Share
16.7417.4318.7421.7522.3618.9621.5020.9822.9021.09
Common Stock
57.74M87.25M105.83M104.17M100.1M98.87M99.15M118.52M188.56M188.94M
Additional Paid-in Capital
610M1.38B1.79B1.92B1.81B1.77B1.78B2.28B3.89B3.89B
Retained Earnings
379.47M467.35M581.39M616.05M783.79M919.54M1.02B1.1B1.18B1.25B
Accumulated OCI
-884K-10.27M35.58M71.02M18.64M-418.29M-343.35M-359.69M-256.09M-278.49M
Treasury Stock
0000000000
Preferred Stock
000173K173K173K173K173K173K173K

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'25TTM
Cash from Operations
110.33M216.76M194.8M231.92M337.79M419.67M278.05M308.46M97.85M2.3B
Operating CF Growth %
17.57%96.46%-10.13%19.06%45.65%24.24%-33.75%10.94%-68.28%2370.77%
Net Income
72.92M146.25M193.53M158.23M263.92M234.51M201.82M209.13M273.71M346.06M
Depreciation & Amortization
25.2M26.33M39.98M43.11M50.73M45.43M40.96M35.31M036.3M
Deferred Taxes
5.62M17.82M15.06M2.69M43.51M25.05M2.17M34.15M00
Other Non-Cash Items
6.54M-17.82M-16.05M52.91M21.92M8.05M23.31M18.36M-153.69M1.92B
Working Capital Changes
-4.61M38.06M-46.04M-34.27M-52.38M96.02M-1.32M11.51M-22.18M-1.29M
Cash from Investing
-885.75M-770.04M-425.4M-1.92B-345.44M-1.28B-603.28M-295.69M-268.17M-777.39M
Purchase of Investments
-306.79M-1.53B-491.62M-1.17B-1.65B-453.56M-561.07M-659.42M-1.76B-1.73B
Sale/Maturity of Investments
259.22M718.27M764.98M660.9M562.12M406.4M1.1B947.41M1.29B1.47B
Net Investment Activity
-47.58M-814.97M273.37M-504.4M-1.09B-47.16M537.32M288M-473.96M-260.84M
Acquisitions
4.81M160.19M46.15M000054.99M270.21M0
Other Investing
-833.72M-115.27M-729.03M-1.38B753.73M-1.23B-1.14B-631.28M-52.01M-499.51M
Cash from Financing
795.56M615.1M405.44M1.74B316.86M375.18M383.42M-36.83M169.61M-1.17B
Dividends Paid
-35.39M-58M-78.34M-84.52M-96.17M-98.77M-103.28M-123.88M-192.13M-214.34M
Share Repurchases
00-80.28M-49.88M-125M-48.23M000-311K
Stock Issued
1.04M2.35M1.99M1.01M3.14M3.88M778K228K384.96M379.3M
Net Stock Activity
1.04M2.35M-78.29M-48.87M-121.86M-44.36M778K228K384.96M378.99M
Debt Issuance (Net)
1000K1000K-1000K-1000K-1000K1000K-1000K-1000K1000K-2M
Other Financing
602.54M427.11M1.1B2.42B885.74M-682.66M883.93M989.72M-160.21M-1.34B
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%
345.99M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
179.24M199.37M261.2M436.03M493.29M802.5M319.95M378.13M15.22M966.46M
Cash at End
199.37M261.2M436.03M493.29M802.5M319.95M378.13M354.07M14.51M780.13M
Interest Paid
47.77M99.23M159.93M101.05M40.67M70.66M326.98M516.49M0523.42M
Income Taxes Paid
24M10.83M25.06M26.1M1.34M1.63M19.5M3.75M03.23M
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%
2.28B▲ 0%
FCF Growth %
15.51%114.47%-17.46%13.1%62.29%26.93%-34.52%10.3%-71.62%645.29%

AUB Banking Ratios

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

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
7.12%9.85%8.72%6.06%9.74%9.23%8.19%7.34%6.72%6.99%
Return on Assets (ROA)
0.82%1.27%1.24%0.85%1.33%1.16%0.97%0.91%0.88%0.93%
Net Interest Margin
3%3.1%3.06%2.83%2.75%2.86%2.89%2.84%3.07%3.44%
Efficiency Ratio
57.65%51.84%50.27%52.66%57.96%51.84%41.17%37.7%33.66%43.33%
Equity / Assets
11.23%13.98%14.31%13.8%13.51%11.6%12.08%12.78%13.32%13.54%
Book Value / Share
23.929.231.3134.3435.0131.6634.135.7538.7635.55
NII Growth
5.7%52.93%26.06%3.24%-0.73%5.99%4.58%14.32%65.33%74.6%
Dividend Payout
48.53%39.66%40.48%49.84%31.94%37.06%51.18%59.23%70.19%61.94%
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

Jun 4, 2026·SEC

Material company update

Jun 3, 2026·SEC

Material company update

May 6, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

May 5, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 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 $346.1M 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?

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

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