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Atlantic Union Bankshares Corporation
NYSE: AUB Financials Bank 🔎 Screen
🏹 Trader: 🎯 Near 52W High | BRS 68 Forming View all →
$5.1B
Market Cap
17.4
P/E
6.24
PEG
ROCE
6.7%
ROE
0.36
D/E
OPM
-7.1%
% from 52W High
64
α RS
🔍 AUB is showing a near-52W-high setup because it's within 7.1% of its 52-week high and RS Rating is 64. Net: Partial signal stack, not a recommendation. ? 52W High RS Rating
Sources
7.1% from 52W high · RS Rating 64
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Currency-adjusted total returns for AUB including FX impact
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📈 Price History
Ratio Health
Excellent
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By Category
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About

Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. The company operates in two segments, Wholesale Banking and Consumer Banking. It accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. The company provides loans for commercial real estate, commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Glen Allen, Virginia.

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📈 Growth Pattern
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3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
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🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →
📊 MIXED Atlantic Union posts solid Q1: 2.2% annualized loan growth, 19.6% ROTCE, core NIM up 4 bps
Revenue & Profitability
Q1 2026 GAAP net income available to common shareholders was $119.2 million ($0.84 EPS). Adjusted operating earnings were $126.2 million ($0.89 per share), yielding an adjusted operating ROA of 1.41% and ROTCE of 19.6%. Tax-equivalent net interest income was $316.9 million, and non-interest income was $54.8 million. Annualized net charge-offs were only 2 basis points.
Outlook
Management expects loan year-end balances between $29 billion and $30 billion and deposits between $31 billion and $32 billion. Full year 2026 FTE NII is projected at $1.34-$1.35 billion, with NIM between 3.90% and 4.00% assuming no Fed rate cuts. Non-interest income is expected to be $220-$230 million. The geopolitical conflict in Iran and energy price shocks are noted as headwinds that could dampen consumer and business confidence, though defense spending increases may provide a stimulative effect for certain markets.
Growth Drivers
Key growth levers include organic expansion in Virginia and the Carolinas, driven by the North Carolina-based commercial real estate team (record production in Q1) and Atlantic Union Equipment Finance (record fundings). The construction and development pipeline reached a record high, and loan pipelines are 26% higher quarter-over-quarter. Customer deposit growth is targeted at 3-4% annually, with broker deposits being reduced to just 2% of total deposits.
Balance Sheet & CapEx
Not discussed in this earnings call.
Margins
Core net interest margin (excluding accretion) improved 4 basis points quarter-over-quarter to 3.45%, while reported NIM fell 11 bps to 3.85% due to lower accretion income. Management expects core NIM to grind higher from fixed-rate loan repricing ($850-$900 million per quarter repricing from ~5.1% to ~6.1%). Deposit costs are expected to be stable with potential upward bias from competitive pressure. The adjusted operating efficiency ratio was 49.9% in Q1.
Key Risks
Key risks flagged include the geopolitical conflict in Iran and potential energy price shocks that could lower consumer and business confidence. Elevated commercial real estate payoffs due to property sales were noted as a headwind to loan growth. Credit risk remains, with management acknowledging that net charge-offs could rise to their guided 10-15 bps range from the current 2 bps, though they have no current line of sight to that level. Competitive pressure on deposit costs could also pressure margins.
Generated by AI · Q1 2026 results · Not investment advice
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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-21
Strong Q2 2026 results featured robust loan growth, margin improvement, and disciplined expense management, with a notable $32.3M gain from an equity sale. Guidance calls for continued loan and deposit growth, stable credit quality, and completion of a $240M share repurchase program.
Q1 2026 Q1 2026 2026-04-21
Solid Q1 2026 results featured strong adjusted earnings, improved asset quality, and robust loan pipelines, despite lower accretion income and competitive deposit markets. Guidance calls for stable margins, continued loan and deposit growth, and disciplined expense management.
Q4 2025 Q4 2025 2026-01-22
Strong Q4 and 2025 results reflect successful Sandy Spring integration, robust loan growth, and improved efficiency. 2026 guidance targets continued growth, top-tier returns, and tangible book value expansion, with capital ratios well above regulatory minimums.
Q3 2025 Q3 2025 2025-10-23
Solid Q3 results with strong adjusted earnings, stable net interest margin, and successful Sandy Spring integration. Loan growth and credit quality remain robust, with guidance for mid-single-digit loan growth and efficiency ratio in the mid-40s for 2026.
Q2 2025 Q2 2025 2025-07-24
Second quarter results reflect strong operating performance post-Sandy Spring acquisition, with robust loan pipelines, improved efficiency, and solid credit quality. Guidance anticipates continued growth, margin expansion, and disciplined capital deployment.
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📊 Analysis Methodology

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
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Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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