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Upturn AI Summary - About
Atlantic Union Bankshares Corp(AUB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AUB
10/28/2026: AUB (3-star) is currently NOT-A-BUY. Pass it for now.
Atlantic Union Bankshares Corp is a regional bank holding company serving individuals and businesses across the mid-Atlantic region. The company has a leading position in Virginia, which it has built through a disciplined strategy of acquiring smaller community banks. Its primary growth opportunity lies in further expansion across the southeast and modernizing its digital platform to better serve customer needs. However, the company faces risks from geographic concentration, intense competition from larger financial institutions, and sensitivity to interest rate fluctuations. It is generally well-suited for value and dividend-focused investors, with key performance developments to monitor including M&A integration progress and digital transformation efficiency.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | AUB is a steady grower through M&A rather than a high-growth technology stock. |
| Momentum investor | Weak fit | Banking stocks often move with interest rate cycles rather than price momentum signals. |
| Value investor | Strong fit | The company is often priced based on book value and earnings multiples common to the regional banking sector. |
| Dividend investor | Strong fit | The company offers a reliable dividend yield suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the stock is subject to interest rate volatility and broader economic cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can fluctuate based on broader market sentiment and interest rate news. |
| Valuation risk | Medium | Changes in price-to-book valuations can affect entry points for new investors. |
| Competition risk (Banking) | High | Competition from large national banks limits pricing power on loan products. |
| Business quality | Medium | The company maintains a solid regional franchise with stable operations. |
| Dividend income | Low | Dividend payments are generally stable but tied to bank profitability. |
| Execution risk | Medium | Successfully integrating acquired banks is critical to long-term performance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 28.24% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.63B USD | Price to earnings Ratio 11.66 | 1Y Target Price 45.62 |
Price to earnings Ratio 11.66 | 1Y Target Price 45.62 | ||
Volume (30-day avg) 1.4M shares | Beta 0.79 | 52 Weeks Range 30.02 - 43.24 | Updated Date 10/28/2026 |
52 Weeks Range 30.02 - 43.24 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 3.72% | Basic EPS (TTM) 3.38 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | This is the primary way banks profit, making money on the spread between what they charge for loans and pay for deposits. |
| Non-Interest Income | Service fees, wealth management fees, and mortgage banking income. | These are fees collected for various banking services that provide a diversified revenue stream. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-20 | When Before Market | Estimate 0.96 | Actual 0.96 |
Profitability
Profit Margin 34.75% | Operating Margin (TTM) 51.62% |
Management Effectiveness
Return on Assets (TTM) 1.41% | Return on Equity (TTM) 10.67% |
Valuation
Trailing PE 11.66 | Forward PE 9.88 | Enterprise Value 6.46B | Price to Sales(TTM) 3.68 |
Enterprise Value 6.46B | Price to Sales(TTM) 3.68 | ||
Enterprise Value to Revenue 4.83 | Enterprise Value to EBITDA - | Shares Outstanding 142.81M | Shares Floating 139.00M |
Shares Outstanding 142.81M | Shares Floating 139.00M | ||
Percent Insiders 0.92 | Percent Institutions 89.76 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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