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Atlantic Union Bankshares Corporation AUB

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39.60 USD -0.80 (-1.98%)

At closeNov 3, 2026, 4:02 PM EST

39.35 -0.25 -0.63%

After hours · Nov 3, 4:02 PM ET

39.54 Day range 40.36
30.87 52-week range 43.62
YTD
+12.18%
1 year
+20.04%

Financial health

Altman Z-Score

0.16 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 4
  • P/E 3
  • P/B 5

Valuation

P/E 17.4×
FY 2016: 20.2×FY 2017: 21.7×FY 2018: 12.7×FY 2019: 15.6×FY 2020: 17.1×FY 2021: 11.4×FY 2022: 11.8×FY 2023: 14.4×FY 2024: 16.5×FY 2025: 17.4×
FY 2016 5y median 14.4× FY 2025
P/S 2.2×
FY 2016: 4.4×FY 2017: 4.0×FY 2018: 3.0×FY 2019: 3.6×FY 2020: 3.3×FY 2021: 4.1×FY 2022: 3.4×FY 2023: 2.6×FY 2024: 2.4×FY 2025: 2.2×
FY 2016 5y median 2.6× FY 2025
P/B 0.9×
FY 2016: 1.6×FY 2017: 1.5×FY 2018: 1.0×FY 2019: 1.2×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.1× FY 2025
P/FCF 53.2×
FY 2016: 17.9×FY 2017: 15.6×FY 2018: 8.6×FY 2019: 16.8×FY 2020: 12.8×FY 2021: 8.8×FY 2022: 6.3×FY 2023: 10.0×FY 2024: 10.8×FY 2025: 53.2×
FY 2016 5y median 10.0× FY 2025
EV/EBITDA 15.2×
FY 2016: 18.9×FY 2017: 20.0×FY 2018: 16.3×FY 2019: 15.2×FY 2020: 12.8×FY 2021: 7.0×FY 2022: 12.4×FY 2023: 13.1×FY 2024: 11.7×FY 2025: 15.2×
FY 2016 5y median 12.4× FY 2025
EV/Sales 2.9×
FY 2016: 6.7×FY 2017: 6.6×FY 2018: 5.5×FY 2019: 5.0×FY 2020: 3.8×FY 2021: 3.6×FY 2022: 5.2×FY 2023: 3.5×FY 2024: 2.6×FY 2025: 2.9×
FY 2016 5y median 3.5× FY 2025
FCF Yield 1.9%
FY 2016: 5.6%FY 2017: 6.4%FY 2018: 11.7%FY 2019: 5.9%FY 2020: 7.8%FY 2021: 11.4%FY 2022: 15.8%FY 2023: 10.0%FY 2024: 9.2%FY 2025: 1.9%
FY 2016 5y median 10.0% FY 2025

Profitability

Gross Margin 60.3%
FY 2016: 89.1%FY 2017: 84.5%FY 2018: 81.1%FY 2019: 78.1%FY 2020: 76.4%FY 2021: 102.8%FY 2022: 87.8%FY 2023: 64.1%FY 2024: 57.0%FY 2025: 60.3%
FY 2016 5y median 64.1% FY 2025
Operating Margin 16.6%
FY 2016: 28.8%FY 2017: 26.8%FY 2018: 29.3%FY 2019: 27.8%FY 2020: 23.7%FY 2021: 44.8%FY 2022: 35.9%FY 2023: 22.9%FY 2024: 19.3%FY 2025: 16.6%
FY 2016 5y median 22.9% FY 2025
Net Margin 13.5%
FY 2016: 21.9%FY 2017: 18.6%FY 2018: 23.9%FY 2019: 23.3%FY 2020: 20.2%FY 2021: 37.1%FY 2022: 30.1%FY 2023: 19.3%FY 2024: 15.5%FY 2025: 13.5%
FY 2016 5y median 19.3% FY 2025
ROE 5.5%
FY 2016: 7.7%FY 2017: 7.0%FY 2018: 7.6%FY 2019: 7.7%FY 2020: 5.8%FY 2021: 9.7%FY 2022: 9.9%FY 2023: 7.9%FY 2024: 6.7%FY 2025: 5.5%
FY 2016 5y median 7.9% FY 2025
ROIC 4.1%
FY 2016: 3.7%FY 2017: 3.1%FY 2018: 3.9%FY 2019: 4.5%FY 2020: 4.1%FY 2021: 7.6%FY 2022: 5.2%FY 2023: 4.6%FY 2024: 5.0%FY 2025: 4.1%
FY 2016 5y median 5.0% FY 2025
ROA 0.7%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 0.8%FY 2021: 1.3%FY 2022: 1.1%FY 2023: 1.0%FY 2024: 0.9%FY 2025: 0.7%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 51.1%
FY 2016: 3.5%FY 2017: 10.7%FY 2018: 56.6%FY 2019: 35.7%FY 2020: -5.7%FY 2021: -9.4%FY 2022: 9.5%FY 2023: 34.2%FY 2024: 28.8%FY 2025: 51.1%
FY 2016 FY 2025
Operating Income 29.7%
FY 2016: 12.7%FY 2017: 3.1%FY 2018: 70.9%FY 2019: 28.9%FY 2020: -19.4%FY 2021: 71.1%FY 2022: -12.2%FY 2023: -14.3%FY 2024: 8.3%FY 2025: 29.7%
FY 2016 FY 2025
EPS (diluted) -9.4%
FY 2016: 18.8%FY 2017: -5.6%FY 2018: 32.9%FY 2019: 8.6%FY 2020: -19.9%FY 2021: 68.9%FY 2022: -8.9%FY 2023: -14.8%FY 2024: -11.5%FY 2025: -9.4%
FY 2016 FY 2025
Free Cash Flow -71.6%
FY 2016: -18.3%FY 2017: 15.5%FY 2018: 114.5%FY 2019: -17.5%FY 2020: 13.1%FY 2021: 62.3%FY 2022: 26.9%FY 2023: -34.5%FY 2024: 10.3%FY 2025: -71.6%
FY 2016 FY 2025

Financial Health

Current Ratio 6.8×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 6.8×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 6.8×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 6.8×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.3×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 0.6×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 3.3×
FY 2016: 6.5×FY 2017: 7.8×FY 2018: 7.3×FY 2019: 4.1×FY 2020: 1.5×FY 2021: -0.8×FY 2022: 4.3×FY 2023: 3.4×FY 2024: 0.6×FY 2025: 3.3×
FY 2016 5y median 3.3× FY 2025
Interest Coverage 0.5×
FY 2016: 3.4×FY 2017: 2.1×FY 2018: 1.8×FY 2019: 1.4×FY 2020: 1.9×FY 2021: 7.8×FY 2022: 3.7×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 4.2%
FY 2016: 2.2%FY 2017: 2.2%FY 2018: 3.1%FY 2019: 2.6%FY 2020: 3.3%FY 2021: 3.3%FY 2022: 3.8%FY 2023: 3.8%FY 2024: 3.8%FY 2025: 4.2%
FY 2016 5y median 3.8% FY 2025
Payout Ratio 70.2%
FY 2016: 43.5%FY 2017: 48.5%FY 2018: 39.7%FY 2019: 40.5%FY 2020: 53.4%FY 2021: 36.4%FY 2022: 42.1%FY 2023: 51.2%FY 2024: 59.2%FY 2025: 70.2%
FY 2016 5y median 51.2% FY 2025

Annual · latest fiscal year ends 2025-12-31