Atlantic Union Bankshares AUB
United StatesFinancial Services · Banks - RegionalUSD
47.12 USD (+25.3%)
8 analysts
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Atlantic Union Bankshares Corporation is a regional bank headquartered in Virginia (USA) offering commercial, consumer, and wealth management banking services through its subsidiary Atlantic Union Bank, with a branch network across Virginia, Maryland, and North Carolina.
Key points
from its scores- ✓Strong growth9.7
- ✓High-quality business9.5
- ✓Attractive dividend8.1
- ✕Fragile balance sheet4.2
- !Weak share-price trend5.6
AI analysis
bottom line, main risk, context and newsThe combination of quality, growth, and reasonable valuation makes AUB an attractive option within the regional banking sector, although moderate financial health and the regulatory environment warrant caution.
Atlantic Union Bankshares presents exceptional quality (operating margin of 56.06%) and revenue growth of 35.8%, with a reasonable valuation (P/E 11.12) and an attractive dividend (3.94% net). Financial health is moderate (ROE 9.76%), but the overall package offers a solid proposition for a regional bank.
The main risk is the sensitivity of the net interest margin to a prolonged rising rate environment, which could compress net interest income if deposit costs rise faster than asset yields.
Context and risks
Atlantic Union Bankshares operates in a US banking sector under active regulatory oversight, with capital requirements and stress tests that condition its capital distribution capacity. The country's moderate governance risk reflects a demanding, though predictable, regulatory environment for regional banks.
Is Atlantic Union Bankshares stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 31% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 11.1 | 13.7 | −19% |
| Price / book | 1.0 | 1.9 | −44% |
| Price / sales | 3.6 | 3.5 | +3% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.4 out of 10 (median for Financial Services: 5.2).
Average analyst target: 47.12 USD, +25.3% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 4.2 (sector 5.5), Growth 9.7 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 11.1
- Forward P/E
- 9.3
- Price / book
- 1.0
- Price / sales
- 3.6
- PEG
- 1.08
- Market cap
- 5.4B USD
- Enterprise value
- 6.4B USD
Profitability
- ROE
- 9.8%
- ROA
- 1.3%
- ROIC (approx.)
- 11.7%
- Gross margin
- 0.0%
- Operating margin
- 56.1%
- Net margin
- 32.3%
Solvency
- Total debt
- 2.0B USD
- Net debt
- 1.0B USD
- Cash
- 990.3M USD
Growth
- Revenue growth
- +35.8%
- Earnings growth
- +834.8%
- EPS (TTM)
- 3.38 USD
- EPS (forward)
- 4.03 USD
Dividend
- Dividend yield
- 3.9%
- Payout
- 42.9%
Risk and market
- Beta
- 0.79
- Analyst consensus
- Buy (8)
- Target price
- 47.12 USD
- 52-week range
- 30.87 – 43.62
Recent news
All AUB news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Atlantic Union Bankshares
Is Atlantic Union Bankshares stock cheap or expensive?
On P/E and Price / book, it trades 31% below the Financial Services median on average. Valuation score: 6.4 out of 10 (median for Financial Services: 5.2). Average analyst target: 47.12 USD, +25.3% versus the price. This is not investment advice.
What score does Atlantic Union Bankshares get on MeridIAn Screener?
It scores 7.0 out of 10, rank 196 of 2,130 (better than 89% of the companies analysed). Its strongest category is Growth (9.7) and its weakest, Financial health (4.2). Analysis of 08/10/2026.
What is Atlantic Union Bankshares's P/E ratio?
Its P/E is 11.1: the share price equals 11.1 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 9.3.
How much is Atlantic Union Bankshares worth on the stock market?
Its market capitalisation is 5.4B USD.
Does Atlantic Union Bankshares pay a dividend?
Yes: its dividend yield is 3.94% and it pays out 43% of its earnings.
How has Atlantic Union Bankshares stock performed over the last year?
It has risen 16.5% over the last year, excluding dividends. Over the last 52 weeks it has traded between 30.87 and 43.62 USD. Past performance does not guarantee future results.
What do analysts think of Atlantic Union Bankshares?
8 analysts cover it; their average recommendation is “Buy” and their average target is 47.12 USD (+25.3% versus the price). It is an estimate, not market data.