Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Atlantic Union Bankshares Corporation's quarterly P/E stands at 11.5x, down 27.4% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 14.9% YoY to 9.7x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 19.85 | 11.46 | 8.91 | 41.16 | 14.97 | 15.78 | 11.48 | 32.85 | 14.24 | 12.69 | 10.58 | 9.27 | 19.91 |
| — | -27.4% | -22.4% | +25.3% | +5.1% | +24.4% | +8.5% | +254.5% | -28.5% | +30.0% | +3.1% | -13.7% | +17.2% | |
| P/S Ratio | 3.34 | 2.24 | 1.47 | 1.19 | 2.10 | 2.42 | 2.37 | 2.15 | 2.31 | 2.38 | 1.98 | 1.92 | 2.91 |
| — | -7.2% | -37.7% | -44.4% | -9.1% | +1.8% | +19.6% | +11.6% | -20.5% | -18.0% | -32.0% | -43.9% | -29.3% | |
| P/B Ratio | 1.04 | 1.00 | 0.65 | 0.58 | 0.88 | 1.10 | 1.06 | 0.97 | 1.04 | 1.07 | 0.90 | 0.80 | 1.07 |
| — | -9.2% | -39.2% | -39.8% | -15.5% | +2.9% | +17.6% | +20.7% | -3.1% | -3.1% | -9.2% | -24.4% | -3.1% | |
| P/FCF | 67.48 | 12.01 | 5.35 | 0.37 | 11.76 | 8.90 | 13.20 | 8.71 | 12.09 | 14.54 | 6.08 | 6.83 | 10.77 |
| — | +35.0% | -59.5% | -95.8% | -2.8% | -38.8% | +117.1% | +27.5% | +12.3% | +71.1% | +35.6% | -6.8% | +72.0% | |
| EV / EBITDA | 19.81 | 9.71 | 6.04 | 17.93 | 10.06 | 11.41 | 9.21 | 20.65 | 11.96 | 11.57 | 9.38 | 9.58 | 14.45 |
| — | -14.9% | -34.4% | -13.2% | -15.9% | -1.4% | -1.8% | +115.6% | -17.2% | +7.4% | +19.6% | +6.1% | +30.6% | |
| EV / EBIT | 20.86 | 10.91 | 6.99 | 30.39 | 11.59 | 12.80 | 10.08 | 25.39 | 13.86 | 13.79 | 10.63 | 11.00 | 17.76 |
| — | -14.8% | -30.7% | +19.7% | -16.4% | -7.2% | -5.1% | +130.8% | -22.0% | +13.1% | +16.7% | +6.2% | +30.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Atlantic Union Bankshares Corporation's operating margin was 25.8% in Q4 2025, up 4.2 pp QoQ and up 5.9 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 17.2% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 21.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.2% | 69.3% | 65.8% | 50.1% | 58.3% | 57.2% | 59.6% | 54.0% | 57.0% | 60.2% | 63.3% | 66.7% | 66.3% |
| — | +21.1% | +10.3% | -7.2% | +2.1% | -5.1% | -5.7% | -19.1% | -14.0% | -25.0% | -26.6% | -28.1% | -29.3% | |
| Operating Margin | 19.5% | 25.8% | 21.6% | 3.0% | 18.4% | 19.9% | 25.8% | 10.7% | 20.8% | 23.2% | 24.0% | 25.5% | 19.0% |
| — | +29.5% | -16.2% | -72.2% | -11.6% | -14.2% | +7.2% | -58.3% | +9.5% | -36.2% | -33.0% | -36.7% | -39.4% | |
| Net Margin | 15.9% | 20.0% | 17.1% | 3.4% | 14.9% | 16.1% | 21.4% | 7.3% | 17.3% | 19.7% | 19.8% | 21.8% | 15.8% |
| — | +24.3% | -20.0% | -54.3% | -13.9% | -18.3% | +8.0% | -66.5% | +9.7% | -36.6% | -33.5% | -35.0% | -39.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.7% | 2.3% | 1.9% | 0.5% | 1.6% | 1.8% | 2.5% | 0.9% | 1.9% | 2.3% | 2.2% | 2.3% | 1.5% |
| — | +23.5% | -23.0% | -45.1% | -19.2% | -20.6% | +9.4% | -60.4% | +31.6% | -24.1% | -9.7% | -10.8% | -11.7% | |
| ROA | 0.9% | 0.3% | 0.2% | 0.1% | 0.2% | 0.2% | 0.3% | 0.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% |
| — | +28.2% | -19.6% | -41.4% | -13.5% | -13.8% | +18.0% | -59.8% | +33.1% | -22.2% | -10.9% | -14.0% | -19.8% | |
| ROIC | 5.0% | 1.8% | 1.5% | 0.3% | 1.3% | 1.4% | 1.7% | 0.7% | 1.2% | 1.4% | 1.4% | 1.4% | 0.9% |
| — | +26.8% | -9.0% | -60.0% | +4.7% | +0.6% | +21.3% | -49.6% | +36.5% | -21.5% | -19.6% | -23.4% | -31.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Atlantic Union Bankshares Corporation's Debt/EBITDA ratio is 9.3x, up from 6.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 4905.4% YoY to 6.81x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.30 | 0.30 | 0.17 | 0.18 | 0.15 | 0.17 | 0.27 | 0.40 | 0.41 | 0.51 | 0.43 | 0.54 | 0.33 |
| — | +75.8% | -34.7% | -53.4% | -64.0% | -66.9% | -37.3% | -27.2% | +26.8% | -28.7% | +45.6% | +63.2% | +62.3% | |
| Debt / EBITDA | 4.22 | 9.26 | 6.40 | 30.12 | 6.72 | 6.68 | 8.46 | 26.82 | 15.25 | 16.46 | 13.75 | 17.81 | 15.13 |
| — | +38.7% | -24.3% | +12.3% | -56.0% | -59.4% | -38.5% | +50.6% | +0.8% | -10.2% | +66.8% | +91.4% | +95.7% | |
| Current Ratio | 6.81 | 6.81 | 0.03 | 0.05 | 0.14 | 0.14 | 0.15 | 0.14 | 0.14 | 0.15 | 0.14 | 0.15 | 0.16 |
| — | +4905.4% | -81.5% | -62.3% | -2.0% | -7.0% | +6.1% | -4.2% | -7.0% | -17.5% | -22.9% | -22.1% | -28.0% | |
| Quick Ratio | 6.81 | 6.81 | 0.03 | 0.05 | 0.14 | 0.14 | 0.15 | 0.14 | 0.14 | 0.15 | 0.14 | 0.15 | 0.16 |
| — | +4905.4% | -81.5% | -62.3% | -2.0% | -7.0% | +6.1% | -4.2% | -7.0% | -17.5% | -22.9% | -22.1% | -28.0% | |
| Interest Coverage | 0.51 | 0.84 | 0.63 | 0.09 | 0.51 | 0.52 | 0.65 | 0.27 | 0.52 | 0.63 | 0.69 | 0.83 | 0.67 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Atlantic Union Bankshares Corporation's current P/E is 19.9x. The average P/E over the last 4 quarters is 19.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Atlantic Union Bankshares Corporation's current operating margin is 19.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Atlantic Union Bankshares Corporation's business trajectory between earnings reports.