Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
AUB 
Atlantic Union Bankshares Corp (AUB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/30/2025: AUB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $38.14
1 Year Target Price $38.14
| 2 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.85% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.45B USD | Price to earnings Ratio 14.61 | 1Y Target Price 38.14 |
Price to earnings Ratio 14.61 | 1Y Target Price 38.14 | ||
Volume (30-day avg) 6 | Beta 0.84 | 52 Weeks Range 22.59 - 43.63 | Updated Date 06/30/2025 |
52 Weeks Range 22.59 - 43.63 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.35% | Basic EPS (TTM) 2.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.22% | Operating Margin (TTM) 39.37% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 7.3% |
Valuation
Trailing PE 14.61 | Forward PE 10.28 | Enterprise Value 4661390848 | Price to Sales(TTM) 5.58 |
Enterprise Value 4661390848 | Price to Sales(TTM) 5.58 | ||
Enterprise Value to Revenue 5.68 | Enterprise Value to EBITDA - | Shares Outstanding 142468000 | Shares Floating 141173449 |
Shares Outstanding 142468000 | Shares Floating 141173449 | ||
Percent Insiders 0.87 | Percent Institutions 64.92 |
Analyst Ratings
Rating 3 | Target Price 38.14 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Atlantic Union Bankshares Corp
Company Overview
History and Background
Atlantic Union Bankshares Corp was formed in 1902 as Richmond Trust and Savings Company. Over the years, it has grown through acquisitions and organic expansion, becoming a prominent regional bank in the Mid-Atlantic region.
Core Business Areas
- Commercial Banking: Offers a wide range of financial services to businesses, including lending, deposit accounts, cash management, and trade finance.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, credit cards, and personal loans to individuals.
- Wealth Management: Offers wealth management services, including investment management, financial planning, trust, and estate services.
Leadership and Structure
John C. Asbury serves as the Chief Executive Officer. The company operates with a traditional hierarchical structure with various departments overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share is competitive within its Mid-Atlantic footprint. Competitors include Truist (TFC) and PNC Financial Services (PNC).
- Mortgage Loans: Residential mortgage loans offered to individuals. Market share is influenced by national and regional lenders. Competitors include Bank of America (BAC) and Wells Fargo (WFC).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share varies by region. Competitors include Capital One (COF) and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, regulatory pressures, and increasing competition from fintech companies.
Positioning
Atlantic Union Bankshares Corp is positioned as a regional bank focused on providing personalized service and building strong relationships with its customers. Its competitive advantage lies in its local market knowledge and customer focus.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is substantial, estimated to be in the hundreds of billions of dollars. Atlantic Union Bankshares Corp captures a relatively small but significant portion of this TAM. It needs to compete with the super regional and national banks with massive scale.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid capital base
- Well-established brand in the Mid-Atlantic region
Weaknesses
- Limited geographic reach compared to national banks
- Reliance on traditional banking services
- Smaller technology budget compared to larger competitors
Opportunities
- Expanding into new markets through acquisitions or organic growth
- Investing in digital banking technologies
- Increasing cross-selling of products and services
- Capitalizing on the shift towards local banking
Threats
- Increasing competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- PNC
- BAC
- WFC
Competitive Landscape
Atlantic Union Bankshares Corp faces significant competition from larger national and regional banks. Its advantages include its local market knowledge and customer focus. However, it needs to invest in technology and expand its geographic reach to remain competitive.
Major Acquisitions
Xenith Bankshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 701
- Strategic Rationale: Expanded market share in Virginia and provided opportunities for cost synergies.
Growth Trajectory and Initiatives
Historical Growth: Please insert current data here. This requires real-time updates.
Future Projections: Please insert current data here. This requires real-time updates.
Recent Initiatives: Please insert current data here. This requires real-time updates.
Summary
Atlantic Union Bankshares Corp is a regional bank with a strong presence in the Mid-Atlantic region, focusing on building customer relationships. It faces competition from larger national banks and fintech companies. While the company maintains a solid capital base and experienced management, they are challenged by the limited geographic reach and reliance on traditional banking services. To stay competitive, AUB needs to invest in technology and look for ways to grow its market reach.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Analyst Reports
- Market Research Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly. Always conduct thorough research and consult with a financial advisor before making any investment decisions. The data presented may contain estimates or projections that are subject to change.
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 2128 | |
Full time employees 2128 | |||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.