Atlantic Union Bankshares Corporation
- Open
- 42.40
- Day high
- 42.75
- Day low
- 41.98
- Prev close
- 42.65
- Volume
- 1.3M
- Mkt cap
- $6.0B
- P/E (TTM)
- 15.0
- EPS (TTM)
- $2.80
- P/B
- 1.2
- P/S
- 2.7
- Yield
- 3.45%
- Per share
- $1.45
Atlantic Union Bankshares Corporation (AUB) is a Financial Services company listed on NYSE. The stock is up 28% over the past year.
Atlantic Union Bankshares Corporation (AUB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 4 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
AUB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 21, 2026 | $0.88 | $0.89 | +1.1% | $372M | -2.7% |
| Jan 22, 2026 | $0.86 | $0.97 | +12.8% | $387M | +1.5% |
| Oct 23, 2025 | $0.84 | $0.84 | -0.4% | $355M | -6.4% |
| Jul 24, 2025 | $0.80 | $0.95 | +18.7% | $402M | +7.3% |
| Apr 24, 2025 | $0.69 | $0.57 | -17.4% | $212M | -4.2% |
| Jan 23, 2025 | $0.78 | $0.67 | -14.1% | $223M | +1.5% |
| Oct 21, 2024 | $0.82 | $0.83 | +1.2% | $216M | -4.5% |
| Jul 25, 2024 | $0.68 | $0.63 | -7.4% | $207M | -4.1% |
| Jan 23, 2024 | $0.75 | $0.78 | +4.0% | $182M | +1.8% |
| Oct 19, 2023 | $0.74 | $0.80 | +8.1% | $178M | -2.7% |
| Jul 25, 2023 | $0.67 | $0.74 | +10.4% | $175M | -1.8% |
| Jan 24, 2023 | $0.82 | $0.90 | +9.8% | $188M | +0.3% |
AUB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 2, 2026 | Wimbush Frederick Blairdirector | Grant | 473 | — |
| Jul 2, 2026 | O'Hara Michelle A.director | Grant | 473 | — |
| Jul 2, 2026 | WAMPLER KEITH Ldirector | Grant | 473 | — |
| Jul 2, 2026 | SHEPHARD JOEL Rdirector | Grant | 473 | — |
| Jul 2, 2026 | KIMBLE DONALD Rdirector | Grant | 473 | — |
| Jul 2, 2026 | Delorier Rilla Sdirector | Grant | 473 | — |
| Jul 2, 2026 | Engola Pauldirector | Grant | 827 | — |
| Jul 2, 2026 | AGEE NANCY Hdirector | Grant | 827 | — |
| Jul 2, 2026 | SCHREINER LINDA Vdirector | Grant | 473 | — |
| Jul 2, 2026 | SCHRIDER DANIEL Jdirector | Grant | 473 | — |
| Jul 2, 2026 | MCCANN PATRICK Jdirector | Grant | 473 | — |
| Jul 2, 2026 | TILLETT RONALD Ldirector | Grant | 473 | — |
| Jul 2, 2026 | Ellett Frank Russelldirector | Grant | 827 | — |
| Jul 2, 2026 | Stephenson Mona Abutalebdirector | Grant | 473 | — |
| Jul 2, 2026 | Micklem Mark Cdirector | Grant | 473 | — |
Source: AUB SEC Form 4 filings, latest Jul 2, 2026. For informational purposes only — not investment advice.
See the full AUB insider & 13F page →Atlantic Union Bankshares Corporation company profile
Overview
Atlantic Union Bankshares Corporation (NASDAQ:AUB) is a regional bank holding company founded in 1902 and headquartered in Richmond, Virginia. The company operates Atlantic Union Bank, which provides traditional banking and financial services across Virginia, Maryland, and North Carolina. Originally known as Union Bankshares Corporation, the company changed its name to Atlantic Union Bankshares Corporation in May 2019. The bank has grown significantly through strategic acquisitions, including American National Bankshares in 2024 and the pending acquisition of Sandy Spring Bancorp, which is expected to create the largest regional bank in the lower Mid-Atlantic region.
Business
Atlantic Union Bankshares operates as a traditional regional bank holding company in the financial services sector. The company's core business revolves around community banking, which involves accepting deposits from consumers and businesses and lending those funds to borrowers in their local markets. The bank's primary services include deposit products such as checking accounts, savings accounts, certificates of deposit, and money market accounts. These products allow customers to safely store their money while earning interest, and they provide the bank with the funding necessary for its lending operations. On the lending side, Atlantic Union provides commercial and industrial loans to businesses for working capital, equipment purchases, and expansion projects. The bank also offers residential mortgage loans for home purchases and refinancing, as well as consumer loans for personal needs. Additionally, the bank provides commercial real estate loans for property acquisitions and development projects. Beyond traditional banking, Atlantic Union offers wealth management services, including financial planning, trust services, and investment advisory products. The bank also provides modern banking conveniences such as mobile and internet banking, ATM services, and credit cards. As of recent reports, the bank operates approximately 130 branches and 150 ATMs across its three-state footprint. The bank's loan portfolio consists primarily of commercial and industrial loans, residential mortgages, and commercial real estate loans, with commercial real estate representing a significant portion that the bank is actively managing to reduce concentration risk.
Revenue model
Atlantic Union generates revenue primarily through net interest income, which is the difference between what the bank earns on loans and investments and what it pays on deposits and borrowed funds. This traditional banking model relies on the interest rate spread - borrowing money at lower rates from depositors and lending it at higher rates to borrowers. The bank's customers include both individual consumers seeking personal banking services and businesses of various sizes requiring commercial banking solutions. Small and medium-sized businesses represent a significant portion of the commercial lending portfolio, while individual consumers provide both deposit funding and mortgage lending opportunities. Atlantic Union also generates noninterest income through fees and services, including wealth management fees, loan origination fees, deposit service charges, and income from selling residential mortgages in the secondary market. This fee-based income typically represents a smaller but more stable portion of total revenue. Several factors significantly impact the bank's profitability margins. Interest rate environment is crucial - rising rates generally benefit banks by increasing loan yields faster than deposit costs, while falling rates can compress margins. The bank's deposit beta (how quickly deposit rates follow market rates) affects profitability, with management targeting a 40-45% total deposit beta through rate cycles. Credit quality directly impacts margins through loan loss provisions and charge-offs. Economic conditions in Virginia, Maryland, and North Carolina affect loan demand and credit performance. Competition from other regional banks and larger national banks influences both loan pricing and deposit costs. The bank's ability to grow loans while maintaining credit discipline, combined with effective expense management, determines overall profitability and return on equity.
Competitive moat
Atlantic Union's competitive moat is moderate and primarily based on its strong regional market position and relationship banking model. The bank benefits from local market knowledge and established relationships in Virginia, Maryland, and North Carolina markets, where unemployment rates remain below national averages and economic fundamentals are strong. The bank's relationship-focused approach provides some protection against pure price competition, as evidenced by management's emphasis on comprehensive banking relationships rather than competing solely on deposit rates. The pending Sandy Spring acquisition will create the largest regional bank in the lower Mid-Atlantic, potentially providing enhanced scale and market presence. However, the bank's moat faces several challenges. Intense competition from larger national banks with greater resources and technology capabilities poses ongoing pressure. Fintech disruption in areas like digital payments, lending, and wealth management threatens traditional banking relationships. The bank's geographic concentration in the Mid-Atlantic region, while providing local expertise, also creates vulnerability to regional economic downturns. Regulatory requirements continue to increase compliance costs and operational complexity, particularly affecting smaller regional banks disproportionately. The bank's commercial real estate concentration creates potential vulnerability during economic stress, though management is actively addressing this through planned loan sales. The bank's moat is strengthened by its deposit franchise and local market relationships, but it operates in a highly competitive and regulated industry where technological innovation and scale advantages increasingly favor larger competitors. The success of recent and pending acquisitions will be crucial for maintaining competitive positioning.
Risks & safety
Atlantic Union demonstrates a solid margin of safety with strong capital position and manageable risk profile, though some concentration risks require monitoring. • Solvency and Liquidity: Strong cash position of $430 million, healthy free cash flow of $59.6 million in Q1 2025, and no significant debt maturity concerns. Debt-to-equity ratio of 15% indicates conservative leverage. • Valuation Metrics: Trading at reasonable multiples - P/E of 13.9x, price-to-book of 0.87x (below book value), and EV/EBITDA of 10.0x suggest modest valuation. • Credit Quality: Excellent asset quality with net charge-offs of only 5 basis points, allowance for credit losses at 1.13% of loans, and nonperforming assets at 0.32% of loans. • Capital Adequacy: Well-capitalized with tangible book value providing cushion against potential losses. • Risk Considerations: Commercial real estate concentration at significant levels (though being actively reduced), exposure to interest rate volatility, and integration risks from recent and pending acquisitions. Regional economic concentration in Mid-Atlantic markets creates geographic risk.
Recent development
Atlantic Union has pursued an aggressive acquisition strategy over the past few years to achieve scale and market expansion. The bank completed the acquisition of American National Bankshares in April 2024, successfully integrating core systems and expanding its presence in Virginia and North Carolina. Most significantly, the bank announced and completed the acquisition of Sandy Spring Bancorp in April 2025, a $1.6 billion all-stock transaction that creates the largest regional bank in the lower Mid-Atlantic region. The Sandy Spring merger represents a transformational deal with projected immediate earnings per share accretion of 23%, cost savings equal to 27% of Sandy Spring's annual operating expenses, and a 2.0-year tangible book value earn-back period. The combined entity is expected to achieve a pro forma net interest margin of 3.75-3.85% and mid-single-digit loan growth. To address regulatory and risk management concerns, Atlantic Union is implementing a strategic commercial real estate reduction program, planning to sell up to $2 billion in high-quality performing CRE loans. This initiative aims to reduce commercial real estate concentration ratios while maintaining asset quality. The bank has also focused on operational efficiency improvements, implementing $17 million in structural expense reductions and consolidating approximately 27% of its branch network since the pandemic. Technology investments include accelerated core systems conversion timelines and enhanced digital banking capabilities. Geographic expansion efforts include launching commercial banking operations in Wilmington, North Carolina, and strengthening market presence in existing footprints through the acquisitions. The bank has also expanded specialized lending capabilities in SBA 7(a) lending, loan syndications, and foreign exchange services.
AUB company profile · for informational purposes only — not investment advice.
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