AUB Atlantic Union Bankshares Corporation - Fundamental Analysis
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AUB Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$38.87
Analyst Target
$43.81
+12.7%
Upside
52W High
$40.71
52W Low
$22.85
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$5.54B
P/E
19.53
ROE
6.7%
Profit margin
22.2%
Debt/Equity
N/A
Dividend yield
3.73%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals significant concerns, particularly the very weak Piotroski F-Score of 2/9, indicating poor financial health. While growth metrics are strong—especially 91.5% YoY revenue growth and 44.8% YoY EPS growth—profitability and valuation appear stretched relative to fundamentals. The stock trades near its 52-week high with a high current P/E of 19.53 despite a low forward P/E of 9.69, suggesting expectations of earnings improvement. However, missing earnings estimates in 13 of the last 25 quarters and lack of key financial health data (e.g., Altman Z-Score, Debt/Equity) create uncertainty, tempering bullish momentum.
Key Strengths
Exceptional year-over-year revenue growth of 91.50% and Q/Q earnings growth of 93.80%, indicating strong top-line momentum
High operating margin of 53.36%, reflecting efficient cost management and pricing power
Attractive dividend yield of 3.73%, above market average, providing income appeal
Forward P/E of 9.69 is well below current P/E of 19.53, implying anticipated earnings acceleration
Analyst consensus recommendation is 'buy' with a target price of $43.81, implying 12.7% upside
Key Risks
Critically low Piotroski F-Score of 2/9 signals weak financial health, particularly concerning for a bank
Missing earnings in more than half of the last 25 quarters (13 misses) undermines earnings reliability
Lack of Altman Z-Score and key leverage metrics (Debt/Equity, Current Ratio) creates opacity in financial risk assessment
High payout ratio of 68.47% may limit reinvestment capacity and sustainability in downturns
Technical trend score of 10/100 indicates strong bearish momentum despite recent price recovery
AI Fair Value Estimate
Based on comprehensive analysis
$49.2
+26.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
54
Moderate
55
75
50
30
60
AI Verdict
Cautiously optimistic with material financial health concerns
Key drivers: Strong growth metrics, Weak Piotroski score, High forward earnings surprise volatility, Attractive forward valuation, Lack of financial health transparency
Confidence
70%
Value
55/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 9.69 is below sector average of 21.23
- Price below analyst target of $43.81
Watchpoints
- Current P/E of 19.53 is high relative to Piotroski score
- Price/Sales of 4.49 is elevated for a regional bank
- Stock trades above Graham Number of $39.76
Future
75/100
Ref Growth rates
Positives
- 91.50% YoY revenue growth
- 44.8% YoY EPS growth
- 93.80% Q/Q earnings growth
Watchpoints
- Forward P/E implies deceleration from current growth rates
Past
50/100
Ref Historical trends
Positives
- History of large earnings surprises (e.g., +62.6%, +47.5%)
- 5-Year price return of +28.3% beats sector volatility
Watchpoints
- 13 of 25 quarters missed estimates
- Earnings volatility is high, including -81.2% miss
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 6.72% is positive, though low
Watchpoints
- Piotroski F-Score of 2/9 indicates severe financial weakness
- No Altman Z-Score provided, raising red flag
- Missing Debt/Equity, Current Ratio, and cash/debt figures
Dividend
60/100
Ref Yield, Payout
Positives
- Dividend yield of 3.73% is attractive
- Payout ratio of 68.47% is within sustainable range for banks
Watchpoints
- Dividend strength score of 50/100 suggests uncertainty
- No 5-year average yield to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$38.87
Analyst Target
$43.81
Upside/Downside
+12.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AUB and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AUB
Atlantic Union Bankshares Corporation
Primary
|
+28.3% | +15.2% | +10.9% | +20.1% | +6.3% | +1.4% |
|
ABCB
Ameris Bancorp
Peer
|
+96.5% | +75.1% | +26.8% | +21.8% | +5.3% | +0.6% |
|
AVAL
Grupo Aval Acciones y Valores S.A.
Peer
|
-3.3% | +123.2% | +108.0% | +59.6% | +9.6% | +8.1% |
|
ACT
Enact Holdings, Inc.
Peer
|
+145.2% | +101.6% | +25.8% | +5.2% | -6.5% | -2.3% |
|
AX
Axos Financial, Inc.
Peer
|
+123.1% | +117.6% | +29.3% | +8.3% | +3.2% | -2.9% |
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
19.53
Forward P/E
9.69
PEG Ratio
N/A
P/B Ratio
1.1
P/S Ratio
4.49
EV/Revenue
4.9
EV/EBITDA
N/A
Market Cap
$5.54B
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
+30.0%
Q/Q Revenue Growth
N/A
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
$6.82
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-22
$0.97
+12.9% surprise
2025-10-23
$0.84
-0.4% surprise
2025-07-24
$0.95
+19.2% surprise
Financial Services Sector Comparison
Comparing AUB against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
19.53
This Stock
vs
30.41
Sector Avg
-35.8%
(Discount)
Return on Equity (ROE)
6.72%
This Stock
vs
-7.57%
Sector Avg
-188.7%
(Below Avg)
Profit Margin
22.21%
This Stock
vs
82.83%
Sector Avg
-73.2%
(Weaker)
Revenue Growth
91.5%
This Stock
vs
28.13%
Sector Avg
+225.3%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AUB
Atlantic Union Bankshares...
|
NEUTRAL | $5.54B | 19.53 | 6.7% | 22.2% | $38.87 | |
|
ABCB
Ameris Bancorp
|
NEUTRAL | $5.52B | 14.34 | 10.3% | 35.2% | $80.44 | |
|
AVAL
Grupo Aval Acciones y Valores S.A.
|
BEARISH | $5.58B | 12.65 | 9.2% | 12.3% | $4.68 | |
|
ACT
Enact Holdings, Inc.
|
NEUTRAL | $5.85B | 8.96 | 13.0% | 54.6% | $40.49 | |
|
AX
Axos Financial, Inc.
|
NEUTRAL | $5.2B | 12.94 | 16.7% | 36.0% | $91.75 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-02 | CORBIN PATRICK E | Director | Stock Award | 567 | - |
| 2026-01-02 | ENGOLA PAUL | Director | Stock Award | 992 | - |
| 2026-01-02 | MICKLEM MARK C | Director | Stock Award | 567 | - |
| 2026-01-02 | ELLETT FRANK RUSSELL | Director | Stock Award | 992 | - |
| 2026-01-02 | O'HARA MICHELLE A. | Director | Stock Award | 567 | - |
| 2026-01-02 | AGEE NANCY HOWELL | Director | Stock Award | 992 | - |
| 2026-01-02 | MCCANN PATRICK J | Director | Stock Award | 567 | - |
| 2026-01-02 | STEPHENSON MONA ABUTALEB | Director | Stock Award | 567 | - |
| 2026-01-02 | SCHREINER LINDA V | Director | Stock Award | 567 | - |
| 2026-01-02 | KIMBLE DONALD R | Director | Stock Award | 567 | - |
| 2026-01-02 | SCHRIDER DANIEL J | Director | Stock Award | 567 | - |
| 2026-01-02 | WAMPLER KEITH L | Director | Stock Award | 567 | - |
| 2026-01-02 | DELORIER RILLA S | Director | Stock Award | 567 | - |
| 2025-10-01 | ENGOLA PAUL | Director | Stock Award | 992 | - |
| 2025-10-01 | MICKLEM MARK C | Director | Stock Award | 567 | - |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
8 analysts
TD Cowen
2025-12-11
Buy
Buy
Morgan Stanley
2025-12-11
Equal-Weight
Equal-Weight
TD Cowen
2025-10-27
Buy
Buy
Raymond James
2025-10-24
Strong Buy
Strong Buy
Piper Sandler
2025-10-24
Overweight
Overweight
Janney Montgomery Scott
2025-10-08
Buy
Raymond James
2025-10-03
Strong Buy
Strong Buy
Morgan Stanley
2025-09-29
Equal-Weight
Equal-Weight
TD Cowen
2025-09-25
Buy
Keefe, Bruyette & Woods
2025-08-04
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning AUB from our newsroom.
Newest → oldest
No matching news yet.