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AUB

BULLISH
$37.22 Live
Atlantic Union Bankshares Corporation · NYSE
Target $44.31 (+19.1%)
$25.5 52W Range $42.18
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 23, 2026
Market cap
$5.32B
P/E
15.91
ROE
6.7%
Profit margin
22.2%
Debt/Equity
N/A
Dividend yield
3.78%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
AUB presents a compelling value opportunity, trading at $37.22, which is significantly below both its Graham Number ($43.12) and Intrinsic Value ($69.03). While the Piotroski F-Score of 4/9 indicates only stable financial health rather than strength, the company is exhibiting explosive revenue growth (91.5% YoY) and strong earnings momentum. The low Price-to-Book ratio of 1.05 suggests the market is underpricing the bank's assets. Despite bearish technical trends and low insider activity, the fundamental valuation and forward P/E of 9.28 support a bullish long-term outlook.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional YoY revenue growth of 91.50%
Attractive Price-to-Book ratio of 1.05
Strong forward P/E compression (15.91 trailing vs 9.28 forward)
Sustainable dividend yield of 3.78% with a manageable 60.68% payout ratio

Key Risks

Low Return on Equity (ROE) of 6.72% compared to historical bank benchmarks
Bearish technical trend (0/100) indicating short-term price pressure
Lack of insider buying activity over the last 6 months
Piotroski F-Score of 4/9 suggests mediocre operational health improvements
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$48.5
+30.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
72
Strong
Value
90
Future
85
Past
65
Health
50
Dividend
70
AI Verdict
Strong Value Play
Key drivers: Deep discount to intrinsic value, Accelerating earnings growth, Low P/B ratio
Confidence
80%
Value
90/100

Current price $37.22 vs Graham $43.12 and Intrinsic $69.03

Positives
  • Price < Graham Number
  • Price < Intrinsic Value
  • Low P/B
Watchpoints
  • P/S ratio is relatively high at 4.32
Future
85/100

High growth rates suggest significant expansion or acquisition impact

Positives
  • 91.5% Revenue Growth
  • 29.8% Earnings Growth
  • Positive analyst target price ($44.31)
Watchpoints
  • Recent Q/Q EPS growth dip of -8.2%
Past
65/100

Strong 1Y and 3Y returns indicate a recovery trend

Positives
  • Strong 1Y price performance (+52.3%)
  • Consistent history of earnings beats
Watchpoints
  • Inconsistent quarterly surprises in 2024-2025
Health
50/100

Altman Z-Score not applicable for regional banks; relying on F-Score

Positives
  • Stable Piotroski score
Watchpoints
  • Piotroski F-Score 4/9 is only 'Stable'
  • Low ROE (6.72%)
Dividend
70/100

Payout ratio of 60.68% allows for potential future increases

Positives
  • Healthy 3.78% yield
  • Sustainable payout ratio
Watchpoints
  • Dividend strength score is only 50/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$37.22
Analyst Target
$44.31
Upside/Downside
+19.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for AUB and closest competitors.

Updated 2026-04-22
AUB
Atlantic Union Bankshares Corporation
Primary
5Y
+14.1%
3Y
+29.3%
1Y
+52.3%
6M
+11.7%
1M
+7.3%
1W
-2.1%
HAS
HA Sustainable Infrastructure Capital, Inc.
Peer
5Y
-3.9%
3Y
+75.4%
1Y
+72.5%
6M
+49.0%
1M
+16.3%
1W
+2.7%
ASB
Associated Banc-Corp
Peer
5Y
+58.3%
3Y
+79.1%
1Y
+38.4%
6M
+12.5%
1M
+12.5%
1W
+0.9%
HOM
Home BancShares, Inc.
Peer
5Y
+9.6%
3Y
+34.4%
1Y
-1.2%
6M
-0.6%
1M
+1.3%
1W
-1.5%
BXS
Blackstone Secured Lending Fund
Peer
5Y
+36.8%
3Y
+26.2%
1Y
-10.6%
6M
-7.1%
1M
+0.2%
1W
-5.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
15.91
Forward P/E
9.28
PEG Ratio
1.08
P/B Ratio
1.05
P/S Ratio
4.32
EV/Revenue
4.88
EV/EBITDA
N/A
Market Cap
$5.32B

Profitability

Profit margins and return metrics

Profit Margin 22.21%
Operating Margin 53.36%
Gross Margin N/A
ROE 6.72%
ROA 0.88%

Growth

Revenue and earnings growth rates

Revenue Growth +91.5%
Earnings Growth +29.8%
Q/Q Revenue Growth +76.0%
Q/Q Earnings Growth +93.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$7.57

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-23
$N/A
2026-04-21
$0.89
+2.2% surprise
2026-01-22
$0.97
+12.9% surprise
2025-10-23
$0.84
-0.4% surprise

Financial Services Sector Comparison

Comparing AUB against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
15.91
This Stock
vs
36.01
Sector Avg
-55.8% (Discount)
Return on Equity (ROE)
6.72%
This Stock
vs
-0.73%
Sector Avg
-1016.8% (Below Avg)
Profit Margin
22.21%
This Stock
vs
91.62%
Sector Avg
-75.8% (Weaker)
Revenue Growth
91.5%
This Stock
vs
35.27%
Sector Avg
+159.4% (Fast Growth)

Similar Companies

Peer comparison within the same industry

AUB Atlantic Union...
BULLISH
Mkt Cap
$5.3B
P/E
15.9
ROE
6.7%
Price
$37.22
HASI HA Sustainable...
BEARISH
Mkt Cap
$5.3B
P/E
29.6
ROE
7.4%
Price
$41.77
 Compare with AUB
ASB Associated Banc-Corp
BULLISH
Mkt Cap
$5.2B
P/E
10.1
ROE
9.9%
Price
$27.85
 Compare with AUB
HOMB Home BancShares, Inc.
NEUTRAL
Mkt Cap
$5.4B
P/E
11.0
ROE
11.4%
Price
$26.78
 Compare with AUB
BXSL Blackstone...
BEARISH
Mkt Cap
$5.4B
P/E
9.5
ROE
9.1%
Price
$23.4
 Compare with AUB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

SCHREINER LINDA V
Director
Stock Award
2026-04-01
560 shares
KIMBLE DONALD R
Director
Stock Award
2026-04-01
560 shares
SCHRIDER DANIEL J
Director
Stock Award
2026-04-01
560 shares
CORBIN PATRICK E
Director
Stock Award
2026-04-01
187 shares
STEPHENSON MONA ABUTALEB
Director
Stock Award
2026-04-01
560 shares
ENGOLA PAUL
Director
Stock Award
2026-04-01
979 shares
MICKLEM MARK C
Director
Stock Award
2026-04-01
560 shares
ELLETT FRANK RUSSELL
Director
Stock Award
2026-04-01
979 shares
O'HARA MICHELLE A.
Director
Stock Award
2026-04-01
560 shares
MCCANN PATRICK J
Director
Stock Award
2026-04-01
560 shares
AGEE NANCY HOWELL
Director
Stock Award
2026-04-01
979 shares
WAMPLER KEITH L
Director
Stock Award
2026-04-01
560 shares
DELORIER RILLA S
Director
Stock Award
2026-04-01
560 shares
RING DAVID V
Officer
Stock Award
2026-03-02
8,169 shares
TEDESCO MARIA P.
Officer
Stock Award
2026-03-02
13,505 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-21

AUB filed an 8-K on April 21, 2026, likely to announce its quarterly financial results.

8-K
8-K
2026-03-31

AUB filed an 8-K on March 31, 2026, likely to report its first-quarter financial results.

DEF 14A
DEF 14A
2026-03-25

AUB filed a definitive proxy statement (DEF 14A) on March 25, 2026, providing shareholders with necessary information and voting materials for the upcoming annual meeting.

8-K
8-K
2026-03-03
10-K
10-K
2026-02-26

AUB filed its annual 10-K on February 26, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
FORM 8-K
2026-02-24

AUB filed an 8-K on February 24, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-30

AUB filed an 8-K on January 30, 2026, likely to announce its periodic financial results.

8-K
8-K
2026-01-29
8-K
8-K
2026-01-22
8-K
8-K
2025-12-30
8-K
8-K
2025-12-10
8-K
8-K
2025-11-19
10-Q
10-Q
2025-11-04
8-K
8-K
2025-10-31
8-K
8-K
2025-10-30
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
8 analysts
Piper Sandler
2026-04-22
Maintains
Overweight Overweight
Morgan Stanley
2026-03-02
Maintains
Equal-Weight Equal-Weight
Piper Sandler
2026-02-05
Maintains
Overweight Overweight
Stephens & Co.
2026-01-26
Maintains
Overweight Overweight
TD Cowen
2025-12-11
Maintains
Buy Buy
Morgan Stanley
2025-12-11
Maintains
Equal-Weight Equal-Weight
TD Cowen
2025-10-27
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning AUB from our newsroom.

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