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Upturn AI SWOT - About
AUB 
Atlantic Union Bankshares Corp (AUB)
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Upturn Advisory Summary
11/05/2025: AUB (2-star) is currently NOT-A-BUY. Pass it for now.
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 $40.17
1 Year Target Price $40.17
| 2 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.44% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.67B USD | Price to earnings Ratio 18.19 | 1Y Target Price 40.17 |
Price to earnings Ratio 18.19 | 1Y Target Price 40.17 | ||
Volume (30-day avg) 6 | Beta 0.84 | 52 Weeks Range 22.34 - 43.16 | Updated Date 11/8/2025 |
52 Weeks Range 22.34 - 43.16 | Updated Date 11/8/2025 | ||
Dividends yield (FY) 4.20% | Basic EPS (TTM) 1.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When Before Market | Estimate 0.85 | Actual 0.84 |
Profitability
Profit Margin 20.94% | Operating Margin (TTM) 50.2% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 5.42% |
Valuation
Trailing PE 18.19 | Forward PE 9.1 | Enterprise Value 4924528128 | Price to Sales(TTM) 4.45 |
Enterprise Value 4924528128 | Price to Sales(TTM) 4.45 | ||
Enterprise Value to Revenue 5.49 | Enterprise Value to EBITDA - | Shares Outstanding 142518152 | Shares Floating 141177056 |
Shares Outstanding 142518152 | Shares Floating 141177056 | ||
Percent Insiders 0.9 | Percent Institutions 86.12 |
Upturn AI SWOT
Atlantic Union Bankshares Corp
Company Overview
History and Background
Atlantic Union Bankshares Corporation was founded in 1902 as the Bank of Goochland. Over time, it expanded through acquisitions and organic growth, becoming a leading regional bank in the Mid-Atlantic region.
Core Business Areas
- Community Banking: Offers a range of banking products and services to individuals, small businesses, and commercial clients, including deposit accounts, loans, and treasury management services.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other executive officers. The organizational structure is hierarchical, with regional presidents and department heads reporting to the executive team. As of 2023, John Asbury is the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are offered to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. The market is competitive, with competitors including Truist, Bank of America, and Wells Fargo. Estimated market share is approximately 1-2% in their operating region. Revenue attributable to this product is not publicly isolated.
- Mortgage Loans: Offers residential mortgage loans to individuals. Competitors include Rocket Mortgage, Wells Fargo, and other regional banks. Estimated market share is approximately 1-2% in their operating region. Revenue attributable to this product is not publicly isolated.
- Deposit Accounts: Provides checking, savings, and money market accounts. Competitors include all major national and regional banks. Specific market share data is not publicly available, but it's a core offering for all customers.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies.
Positioning
Atlantic Union Bankshares Corp is positioned as a strong regional bank with a focus on community banking and relationship-based service. Its competitive advantage lies in its local market expertise and personalized customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Mid-Atlantic region is estimated to be in the billions of dollars. Atlantic Union Bankshares Corp has a relatively small percentage of this TAM, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid capital base
- Focus on community banking
Weaknesses
- Limited geographic diversification
- Exposure to interest rate risk
- Dependence on traditional banking model
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BBT
- USB
- PNC
Competitive Landscape
Atlantic Union Bankshares Corp faces competition from larger national banks and smaller regional banks. Its advantages include its strong local presence and personalized customer service. Its disadvantages include its limited geographic diversification and smaller scale.
Major Acquisitions
Xenith Bankshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 701
- Strategic Rationale: Expanded market presence in Richmond, Virginia, and enhanced commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Atlantic Union Bankshares Corp has experienced steady growth over the past several years through acquisitions and organic expansion.
Future Projections: Analyst estimates suggest continued growth in the coming years, driven by increased loan demand and expansion into new markets.
Recent Initiatives: Recent strategic initiatives include the expansion of digital banking services and the acquisition of smaller banks.
Summary
Atlantic Union Bankshares Corp is a regional bank with a solid community banking focus. While it has a strong presence in its core markets and a history of growth, it faces challenges from larger competitors and evolving industry dynamics. Expansion and digital initiatives could boost future performance, but economic conditions pose a risk. The bank has successfully made acquisitions in the past which has further enhanced the banku2019s position in the current market.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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 3100 | |
Full time employees 3100 | |||
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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