Atlantic Union Bankshares Corporation (AUB) Stock

Atlantic Union Bankshares Corporation (AUB) is a Financials stock trading at $41.00 (as of 2026-08-20), with a market capitalization of $5.86B and a trailing P/E of 11.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Atlantic Union Bankshares Corporation is a bank holding company for Atlantic Union Bank, which provides banking and related financial services to consumers and businesses. Its activities include accepting deposit products, originating loans, offering credit cards, ATM and digital/mobile banking, online bill payment, and providing trust, wealth management, and securities, brokerage, and investment advisory services.

Understand Atlantic Union Bankshares Corporation: how it makes money

Atlantic Union Bankshares operates as a bank holding company, providing deposit products and loans to consumers and businesses, and offering related banking services like credit cards, ATM services, and mobile and internet banking. It makes money through its lending and other banking services.

For a deposit-funded lender, earnings are structurally driven by how the loan portfolio performs (Loan Portfolio Yield) relative to how deposits are used as funding (Loan-to-Deposit Ratio).

Business quality (Strong): A straightforward community banking model where operating focus tends to center on funding mix and loan performance, with supplemental signals from payment adoption and operating capacity.

Valuation: At 17× earnings, AUB trades 36% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Loan portfolio performance signal: Loan Portfolio Yield is 4.2 percent for the quarter ended 2026-03-31.
  • Funding mix metric: Loan-to-Deposit Ratio is 90.7 percent, indicating loans funded by deposits rather than only external funding.
  • Funding activity: Brokered Deposits Paid Down is 0.34 USD_B, showing brokered deposits were reduced during the quarter ended 2026-03-31.

Bear case

  • Potential liquidity tightness: Loan-to-Deposit Ratio of 90.7 percent can imply less buffer if deposits tighten, since a larger share of funding is already used for loans.
  • Reliance on operating lines: CNI Line Utilization is 35.0 percent, so the company is using part of its CNI line, which can become a pressure point if utilization needs rise.
  • Yield sensitivity: Because Loan Portfolio Yield is an operating driver, any decline in that yield would directly pressure results.
Valuation — source: SEC EDGAR (first-party)
Price$41.00
Market Cap$5.86B
P/E Ratio11.8
EV / EBITDA10.2
Price / Book1.14
Price / Sales3.03
DCF Value (model)$25.84
DCF Upside vs Price-37.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.82B
Net Margin15.0%
Revenue Growth (YoY)48.4%
EPS Growth (YoY)-11.4%
Valuation vs Sector & Industry
Stock P/E11.8
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-22.2%
vs Industry-8.9%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($734.74M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJohn C. Asbury
Employees2,128
CountryUS
IPO Date1993-10-06

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • United Bankshares, Inc. (UBSI)
  • Glacier Bancorp, Inc. (GBCI)
  • Hancock Whitney Corporation (HWC)
  • Home Bancshares, Inc. (HOMB)
  • Associated Banc-Corp (ASB)
  • Ameris Bancorp (ABCB)
  • First Financial Bankshares, Inc. (FFIN)
  • ServisFirst Bancshares, Inc. (SFBS)
AUB earnings history · AUB institutional & insider holders · AUB KPIs & operating metrics · AUB financials · AUB investor presentations & press releases · AUB SEC filings · AUB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.