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Atlantic Union Bankshares Corporation (AUB) Financial Ratios

30 years of historical data (1996–2025) · Financial Services · Banks - Regional

View Quarterly Ratios →

P/E Ratio

↑

19.85

↑+38% vs avg

5yr avg: 14.40

080%ile100

30Y Low10.2·High56.3

View P/E History →

EV/EBITDA

↑

19.81

↑+63% vs avg

5yr avg: 12.17

093%ile100

30Y Low7.0·High27.1

P/FCF

↑

67.48

↑+277% vs avg

5yr avg: 17.91

096%ile100

30Y Low4.1·High115.9

P/B Ratio

↓

1.04

-0% vs avg

5yr avg: 1.04

027%ile100

30Y Low0.7·High2.4

ROE

↓

6.7%

-19% vs avg

5yr avg: 8.2%

017%ile100

30Y Low3%·High15%

Debt/EBITDA

↑

4.22

↑+22% vs avg

5yr avg: 3.47

023%ile100

30Y Low1.4·High19.6

Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.

AUB Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

Atlantic Union Bankshares Corporation trades at 19.9x earnings, 38% above its 5-year average of 14.4x, sitting at the 80th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 43%. On a free-cash-flow basis, the stock trades at 67.5x P/FCF, 277% above the 5-year average of 17.9x.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Market Cap	$5.8B	$4.6B	$3.3B	$2.7B	$2.6B	$2.9B	$2.6B	$3.0B	$1.9B	$1.6B	$1.6B
Enterprise Value	$7.0B	$5.8B	$3.5B	$3.7B	$4.0B	$2.6B	$2.9B	$4.1B	$3.4B	$2.6B	$2.4B
P/E Ratio →	19.85	17.39	16.91	14.44	11.83	11.44	17.07	15.58	12.72	21.66	20.19
P/S Ratio	3.34	2.64	2.47	2.62	3.38	4.06	3.31	3.62	3.03	4.05	4.44
P/B Ratio	1.04	0.91	1.06	1.07	1.11	1.07	0.96	1.20	0.97	1.51	1.57
P/FCF	67.48	53.37	11.06	10.04	6.32	8.79	12.84	16.85	8.58	15.67	17.93
P/OCF	58.92	46.60	10.80	9.85	6.28	8.55	11.20	15.47	8.58	14.35	16.72

P/E links to full P/E history page with 30-year chart

AUB EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

Atlantic Union Bankshares Corporation's enterprise value stands at 19.8x EBITDA, 63% above its 5-year average of 12.2x. The Financial Services sector median is 11.5x, placing the stock at a 72% premium on an enterprise-value basis.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
EV / Revenue	—	3.37	2.61	3.53	5.17	3.65	3.76	4.96	5.47	6.65	6.73
EV / EBITDA	19.81	16.41	11.91	13.13	12.37	7.02	12.85	15.23	16.31	20.00	18.95
EV / EBIT	20.86	17.28	13.53	15.37	14.37	8.14	15.82	17.86	18.70	24.81	23.37
EV / FCF	—	68.15	11.67	13.51	9.65	7.90	14.57	23.08	15.48	25.76	27.20

AUB Profitability

Margins and return-on-capital ratios measuring operating efficiency

Atlantic Union Bankshares Corporation earns an operating margin of 19.5%, roughly in line with the Financial Services sector average. Operating margins have compressed from 22.9% to 19.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 6.7% is modest, trailing the sector median of 9.0%. ROIC of 5.0% represents below-average returns on invested capital versus a sector median of 5.4%.

Margins

Full margin charts and quarterly trend are on the Earnings History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Gross Margin	53.2%	53.2%	57.0%	64.1%	87.8%	102.8%	76.4%	78.1%	81.1%	84.5%	89.1%
Operating Margin	19.5%	19.5%	19.3%	22.9%	35.9%	44.8%	23.7%	27.8%	29.3%	26.8%	28.8%
Net Profit Margin	15.9%	15.9%	15.5%	19.3%	30.1%	37.1%	20.2%	23.3%	23.9%	18.6%	21.9%

Return on Capital

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
ROE	6.7%	6.7%	7.3%	8.2%	9.2%	9.7%	6.1%	8.7%	9.8%	7.1%	7.8%
ROA	0.9%	0.9%	0.9%	1.0%	1.2%	1.3%	0.9%	1.2%	1.3%	0.8%	1.0%
ROIC	5.0%	5.0%	5.2%	4.5%	5.8%	7.1%	3.7%	4.5%	4.5%	3.7%	4.2%
ROCE	1.6%	1.6%	6.9%	7.2%	8.6%	9.3%	5.1%	7.1%	8.5%	7.0%	7.2%

AUB Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

Atlantic Union Bankshares Corporation carries a Debt/EBITDA ratio of 4.2x, which is highly leveraged (roughly in line with the sector average of 4.3x). Net debt stands at $1.3B ($1.5B total debt minus $234M cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Debt / Equity	0.30	0.30	0.17	0.51	0.72	0.19	0.31	0.60	0.91	1.17	0.99
Debt / EBITDA	4.22	4.22	1.81	4.67	5.25	1.37	3.66	5.58	8.54	9.37	7.88
Net Debt / Equity	—	0.25	0.06	0.37	0.59	-0.11	0.13	0.44	0.78	0.98	0.81
Net Debt / EBITDA	3.56	3.56	0.63	3.37	4.27	-0.79	1.52	4.11	7.27	7.84	6.46
Debt / FCF	—	14.78	0.61	3.47	3.34	-0.89	1.73	6.24	6.90	10.10	9.27
Interest Coverage	0.51	0.51	0.49	0.70	3.68	7.76	1.90	1.43	1.76	2.10	3.42

AUB Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

Atlantic Union Bankshares Corporation's current ratio of 6.81x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.15x to 6.81x over the past 3 years.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Current Ratio	6.81	6.81	0.14	0.15	0.18	0.26	0.19	0.17	0.18	0.15	0.16
Quick Ratio	6.81	6.81	0.14	0.15	0.18	0.26	0.19	0.17	0.18	0.15	0.16
Cash Ratio	0.36	0.36	0.02	0.02	0.02	0.05	0.03	0.03	0.02	0.03	0.03
Asset Turnover	—	0.05	0.05	0.05	0.04	0.04	0.04	0.05	0.04	0.04	0.04
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—
Days Sales Outstanding	—	—	—	—	—	—	—	—	—	—	—

AUB Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Atlantic Union Bankshares Corporation returns 3.7% to shareholders annually primarily through dividends. The payout ratio of 70.2% is elevated — while still covered by earnings, there is limited headroom for dividend increases. The earnings yield of 5.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.

Dividends

Full dividend history and growth charts are on the Dividend History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Dividend Yield	3.7%	—	—	—	—	—	—	—	—	—	—
Payout Ratio	70.2%	70.2%	59.2%	51.2%	37.1%	31.9%	49.8%	40.5%	39.7%	48.5%	43.5%

Total Shareholder Return Metrics

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Earnings Yield	5.0%	5.8%	5.9%	6.9%	8.5%	8.7%	5.9%	6.4%	7.9%	4.6%	5.0%
FCF Yield	1.5%	1.9%	9.0%	10.0%	15.8%	11.4%	7.8%	5.9%	11.7%	6.4%	5.6%
Buyback Yield	0.0%	—	—	—	—	—	—	—	—	—	—
Total Shareholder Yield	3.7%	—	—	—	—	—	—	—	—	—	—
Shares Outstanding	—	$129M	$88M	$75M	$75M	$77M	$79M	$80M	$66M	$44M	$44M

Peer Comparison

Compare AUB with 10 similar companies in its peer group

Company	Market Cap	P/E	EV/EBITDA	P/FCF	Gross Margin	Op Margin	ROE	ROIC	Debt/EBITDA
AUBYou	$6B	19.9	19.8	67.5	53.2%	19.5%	6.7%	5.0%	4.2
UBSI	$6B	14.0	8.1	13.3	65.4%	32.4%	8.9%	7.2%	1.6
WSFS	$4B	14.8	7.2	18.6	74.7%	28.0%	10.8%	9.5%	0.7
NBTB	$3B	14.5	11.0	11.5	72.1%	25.3%	9.9%	7.9%	1.4
FULT	$4B	11.2	10.4	15.8	67.4%	25.7%	11.7%	7.5%	2.5
TOWN	$3B	16.1	13.5	12.9	69.6%	20.9%	7.4%	6.0%	1.8
SFNC	$3B	-7.6	—	7.7	5.8%	-84.2%	-11.4%	-9.1%	—
OFG	$2B	10.7	5.6	10.4	71.2%	30.8%	15.5%	10.9%	2.0
CATY	$4B	13.4	9.6	11.2	55.1%	29.4%	10.9%	9.8%	0.5
HBAN	$28B	12.6	16.5	12.2	61.7%	21.5%	10.0%	5.1%	6.9
CFG	$29B	17.5	10.4	14.5	69.8%	20.9%	7.2%	4.7%	4.2
Financial Services Median	—	13.9	11.5	11.2	64.1%	20.2%	9.0%	5.4%	4.3

Peer selection based on competitive and market overlap. Compare multiple stocks →

Download Financial Ratios Data

Includes 30+ ratios · 30 years · Updated daily

AUB — Frequently Asked Questions

Quick answers to the most common questions about buying AUB stock.

What is Atlantic Union Bankshares Corporation's P/E ratio?

Atlantic Union Bankshares Corporation's current P/E ratio is 19.9x. The historical average is 17.3x. This places it at the 80th percentile of its historical range.

What is Atlantic Union Bankshares Corporation's EV/EBITDA?

Atlantic Union Bankshares Corporation's current EV/EBITDA is 19.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.5x.

What is Atlantic Union Bankshares Corporation's ROE?

Atlantic Union Bankshares Corporation's return on equity (ROE) is 6.7%. The historical average is 9.4%.

Is AUB stock overvalued?

Based on historical data, Atlantic Union Bankshares Corporation is trading at a P/E of 19.9x. This is at the 80th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What is Atlantic Union Bankshares Corporation's dividend yield?

Atlantic Union Bankshares Corporation's current dividend yield is 3.69% with a payout ratio of 70.2%.

What are Atlantic Union Bankshares Corporation's profit margins?

Atlantic Union Bankshares Corporation has 53.2% gross margin and 19.5% operating margin. Operating margin between 10-20% is typical for established companies.

How much debt does Atlantic Union Bankshares Corporation have?

Atlantic Union Bankshares Corporation's Debt/EBITDA ratio is 4.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.