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Upturn AI SWOT - About
AUB 
Atlantic Union Bankshares Corp (AUB)
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Upturn Advisory Summary
08/14/2025: AUB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $38.86
1 Year Target Price $38.86
| 2 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.35% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.87B USD | Price to earnings Ratio 17.54 | 1Y Target Price 38.86 |
Price to earnings Ratio 17.54 | 1Y Target Price 38.86 | ||
Volume (30-day avg) 6 | Beta 0.86 | 52 Weeks Range 22.34 - 43.16 | Updated Date 08/15/2025 |
52 Weeks Range 22.34 - 43.16 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.91% | Basic EPS (TTM) 1.95 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.7894 | Actual 0.95 |
Profitability
Profit Margin 22.43% | Operating Margin (TTM) 41.54% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 5.18% |
Valuation
Trailing PE 17.54 | Forward PE 10.28 | Enterprise Value 4375637504 | Price to Sales(TTM) 5.36 |
Enterprise Value 4375637504 | Price to Sales(TTM) 5.36 | ||
Enterprise Value to Revenue 5.37 | Enterprise Value to EBITDA - | Shares Outstanding 142511008 | Shares Floating 141184263 |
Shares Outstanding 142511008 | Shares Floating 141184263 | ||
Percent Insiders 0.9 | Percent Institutions 83.44 |
Upturn AI SWOT
Atlantic Union Bankshares Corp
Company Overview
History and Background
Atlantic Union Bankshares Corporation was founded in 2018 after the merger of Union Bankshares Corporation and Xenith Bankshares, Inc. Union Bank, the corporation's oldest predecessor, traces its roots back to 1902.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Commercial Banking: Offers specialized banking solutions for commercial clients, including lending, treasury management, and investment services.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
John C. Asbury serves as the Chief Executive Officer. The company has a board of directors and operates with a traditional hierarchical structure with executive leadership overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, and equipment financing. While precise market share is difficult to pinpoint regionally, competitors include Truist, Bank of America, and smaller regional banks. Revenue from this segment is a substantial portion of total loan revenue, but is not broken out distinctly in filings.
- Consumer Banking Products: Checking and savings accounts, mortgages, and personal loans. Market share varies greatly by region, with competition from national banks like Wells Fargo and local credit unions. Revenue data is not broken out precisely.
- Treasury Management Services: Services for businesses to manage their cash flow, including account reconciliation, payment processing, and fraud prevention. Competitors include larger banks with sophisticated treasury management platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increasing competition from fintech companies, and evolving customer expectations regarding digital banking services. Consolidation among regional banks is ongoing.
Positioning
Atlantic Union Bankshares Corp is positioned as a leading regional bank in the Mid-Atlantic region, focusing on providing personalized service and local expertise. Its competitive advantages include its established presence, strong customer relationships, and a commitment to community involvement.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is estimated to be in the tens of billions of dollars annually. Atlantic Union Bankshares Corp is positioned to capture a portion of this TAM through its branch network and digital banking offerings. While hard to quantify an exact figure, their total addressable market would include all personal and business deposits and loans originated within their geographic region.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Higher costs compared to larger banks
- Lack of tech innovation when compared to fintechs
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Increased demand for wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- FITB
- BOH
- CFG
Competitive Landscape
Atlantic Union Bankshares Corp competes with larger national banks and smaller regional banks. Its advantages include local expertise and customer service, while its disadvantages include limited scale and resources compared to larger competitors.
Major Acquisitions
American National Bankshares Inc.
- Year: 2021
- Acquisition Price (USD millions): 481.2
- Strategic Rationale: Expanded market share in Virginia and North Carolina, and added new expertise
Growth Trajectory and Initiatives
Historical Growth: Growth trends would need to be assessed based on past financial statements, with metrics like revenue and net income growth tracked over time.
Future Projections: Future growth projections would depend on analyst estimates from financial data providers.
Recent Initiatives: Recent initiatives include digital banking enhancements, branch expansion, and acquisitions.
Summary
Atlantic Union Bankshares Corp is a regional bank with a strong presence in the Mid-Atlantic region. It benefits from established customer relationships and a solid capital base. However, it faces challenges from larger competitors and the evolving digital banking landscape. Strategic acquisitions and a focus on customer service are key to its continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Research
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share percentages are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Atlantic Union Bankshares Corp
Exchange NYSE | Headquaters Glen Allen, VA, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Director Mr. John C. Asbury | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3160 | |
Full time employees 3160 | |||
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. It operates in two segments, Wholesale Banking and Consumer Banking. The company accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. It provides loans for 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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