Atlantic Union Bankshares Corporation

AUB

$41.02

+0.61%

2026-09-04 10:33:58 EDT+$0.25

Financial Services

Banks - Regional

NYSE

Active Trading

Atlantic Union Bankshares Corporation (AUB) serves as the parent entity for Atlantic Union Bank, through which it delivers a comprehensive suite of ...

Price Action of AUB

$41.02

+0.61%+$0.25

High—

Low—

52W High-5.1%

Rel. vol—

Interval

Range63m

Volume—SMA5SMA10

—

Atlantic Union Bankshares Corporation is a financial holding company headquartered in Richmond, Virginia, and operates primarily through its subsidiary, Atlantic Union Bank. Founded in 1902 as Union Bank & Trust in Bowling Green, Virginia, the bank has grown into the largest regional bank headquartered in the lower Mid-Atlantic region, with ...Atlantic Union Bankshares Corporation is a financial holding company headquartered in Richmond, Virginia, and operates primarily through its subsidiary, Atlantic Union Bank. Founded in 1902 as Union Bank & Trust in Bowling Green, Virginia, the bank has grown into the largest regional bank headquartered in the lower Mid-Atlantic region, with approximately $37 billion in assets. The company provides a comprehensive suite of banking and financial solutions to both individual consumers and corporate clients. Its offerings include a broad array of deposit products such as checking, savings, NOW, time deposit, and money market accounts, along with certificates of deposit. On the lending side, it extends credit through commercial, industrial, residential mortgage, and consumer loans, and also issues credit cards. Customers have access to ATMs, mobile and online banking, and digital bill payment services. The company also offers specialized services including financial planning, trust administration, and wealth management, as well as securities, brokerage, and investment advisory products. It participates in the secondary market by originating and selling residential loans. As of early 2022, it operated 130 branches and approximately 150 ATMs across Virginia, Maryland, and North Carolina. The company previously operated under the name Union Bankshares Corporation before adopting its current name in May 2019. With a strong emphasis on community banking and a commitment to environmental, social, and governance (ESG) goals, Atlantic Union Bankshares continues to evolve and expand its footprint. The company employs over 2,000 people and is publicly traded on the New York Stock Exchange under the ticker AUB. Its strong financial performance is reflected in its market capitalization of over $5.9 billion and a history of consistent dividend payments. Atlantic Union Bankshares remains dedicated to serving its customers and communities with a focus on innovation and long-term growth.ExpandCollapse

Founded

1902

Employees

3064

CEO

John C. Asbury

Full Name

Atlantic Union Bankshares Corporation

Sector

Financial Services

Industry

Banks - Regional

ROE

9.68%

Market Cap

$5.86B

Current Ratio

0.03

WACC

14.49%

ROIC

-1.72%

Contact Information

https://www.atlanticunionbank.com

804 633 5031

4300 Cox Road, Glen Allen, VA 23060

Key Metrics of AUB

Snapshot

Latest / TTM · 6 periods

Market Cap

$5.86B

ROCE

9.5%

EV / EBITDA

9.89x

+8.5% YoY

FCF Yield

8.9%

+7.0% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.03

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of AUB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

67.9%

Net Margin

22.0%

P/E Ratio

12.24x

n/a

Debt / Equity

0.33

n/a

Current Ratio

0.03

Dividend Yield

3.6%

Understanding

TTM —

Current ratio below 1.0

Calendar of AUB

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.96 · Revenue $392.94M · 7 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.98 · Revenue $397.04M · 7 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $3.77 · Revenue $1.55B · 7 analysts
Mar 30, 2027
Q1 FY2027 · Estimated results
Est. EPS $0.95 · Revenue $392.78M · 2 analysts

Recent history

Aug 21, 2026
Dividend payment
$1.45 per share
Aug 7, 2026
Ex-dividend date
$1.45 per share
Aug 6, 2026
Q2 FY2026 · Results reported
EPS $1.11 · Revenue $577.08M
View filing
May 5, 2026
Q1 FY2026 · Results reported
EPS $0.84 · Revenue $523.67M
View filing
Feb 26, 2026
FY2025 · Annual results
EPS $2.03 · Revenue $2.03B
View filing
Sep 30, 2025
Q3 FY2025 · Results reported
EPS $0.63 · Revenue $553.25M

Financial Statements of AUB

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$2.0B	+51.1%	+10.2%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$273.7M	+30.9%	+31.8%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+60.3%	+5.7%	+1.3%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+16.6%	-14.1%	+20.0%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+13.5%	-13.4%	+19.6%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$85.4M	-71.6%	+19.5%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+4.2%	-81.2%	+8.4%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	29.9%	+75.8%	+29.7%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	6.81x	+4905.4%	-96.3%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$37.6B	+52.9%	+2.1%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	2.03 vs 3.24	-37.3%	1.11 vs 0.92	+20.8%
Revenue Surprise	$2.0B vs $1.4B	+49.5%	$577.1M vs $389.1M	+48.3%

Insider Transactions of AUB

Acquisitions (A)

Since Jul 1, 2026

Disposals (D)

Since Jul 1, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Jul 1, 2026	AGEE NANCY H	director	Common Stock	A	827	—
Jul 1, 2026	Delorier Rilla S	director	Common Stock	A	473	—
Jul 1, 2026	Ellett Frank Russell	director	Common Stock	A	827	—
Jul 1, 2026	KIMBLE DONALD R	director	Common Stock	A	473	—
Jul 1, 2026	O'Hara Michelle A.	director	Common Stock	A	473	—

Earnings Call Transcript of AUB

1 transcript segments

Q2 2026

Unknown Speaker

Operator: Good day. Thank you for standing by. Welcome to Atlantic Union Bankshares Second Quarter 2026 Earnings Conference Call. Please be advised that today's conference is being recorded. I will now hand the conference over to your speaker host, Bill Cimino, Senior Vice President of Investor Relations. Please go ahead. William Cimino: Thank you, Olivia, and good morning, everyone. I have Atlantic Union Bankshares' President and CEO, John Asbury; and Executive Vice President and CFO, Alex Dodd, with me today. We also have other members of our executive management team with us for the question-and-answer period. Please note that today's earnings release and the accompanying slide presentation we are going through on this webcast are available to download on our investor website, investors.atlanticunionbank.com. During today's call, we will comment on our financial performance using both GAAP metrics and non-GAAP financial measures. Important information about these non-GAAP financial measures, including reconciliations to comparable GAAP measures, is included in the appendix to our slide presentation and in our earnings release for the second quarter of 2026. We will also make forward-looking statements, which are not statements of historical fact and are subject to risks and uncertainties. There can be no assurance that actual performance will not differ materially from any future expectation or results expressed or implied by these forward-looking statements. We undertake no obligation to publicly revise or update any forward-looking statement, except as required by law. Please refer to our earnings release and slide presentation issued today and our other SEC filings for a further discussion of the company's risk factors and other important information regarding our forward-looking statements, including factors that could cause actual results to differ from those expressed or implied in the forward-looking statement. All comments made during today's call are subject to that safe harbor statement. And at the end of the call, we will take questions from the research analyst community. I'll now turn the call over to John. John Asbury: Thank you, Bill. Good morning, everyone. Thank you so much for joining us today. Atlantic Union Bankshares reported strong second quarter financial results, reflecting disciplined execution and providing an encouraging indication of the earnings power of the franchise we have been building. For the first time in 2 years, we did not incur any merger-related costs. We were also pleased to realize a $32.3 million pre-tax gain from the sale of our equity interest in Bearing Insurance. Adjusted operating performance, excluding the gain from the equity interest sale was notable for solid loan growth, margin improvement on both a core and reported basis, disciplined expense management and solid credit performance, along with continued capital generation. Over the past 2 years, we have deployed capital intentionally …

Leadership Team of AUB

10 executives

Name	Title	Compensation	Gender	Year Born	Status
John C. Asbury	President, Chief Executive Officer & Director	USD 2,702,340	Male	1966	Active
Alexander D. Dodd	Executive Vice President & Chief Financial Officer	USD 1,167,022	Male	1977	Active
Robert Michael Gorman	Executive VP & Senior Financial Advisor	USD 1,167,022	Male	1958	Active
David V. Ring	Executive Vice President	USD 1,021,606	Male	1964	Active
Maria Tedesco	Executive Vice President	USD 1,021,606	Female	1961	Active
Matthew L. Linderman	Executive Vice President	USD 1,021,606	Male	1975	Active
Clare Miller	Executive Vice President & Chief Human Resources Officer	—	Female	1980	Active
Rachael R. Lape	Executive Vice President, General Counsel & Corporate Secretary	—	Female	1973	Active
William Cimino	Senior Vice President & Director of Investor Relations	—	Male	—	Active
Beth Shivak	Senior Vice President & Head of Corporate Communications	—	Female	—	Active

Recent News of AUB

Business Wire7/23/2026Neutral

Atlantic Union Bankshares Corporation Declares Quarterly Common Stock Dividend and Preferred Stock Dividend

RICHMOND, Va.--(BUSINESS WIRE)--Quarterly dividend announcement.

Defense World7/22/2026Neutral

Atlantic Union Bankshares Co. $AUB Shares Acquired by Bessemer Group Inc.

Bessemer Group Inc. increased its holdings in shares of Atlantic Union Bankshares Co. (NYSE: AUB) by 12,923.8% in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund owned 108,358 shares of the company's stock after purchasing an additional 107,526 shares

Seeking Alpha7/21/2026Neutral

Atlantic Union Bankshares: A Quality Hold

Atlantic Union Bankshares delivered a strong Q2, with 6% sequential revenue growth and robust net interest margins at 3.89%. Loan and deposit growth remained steady, with loans at $28.67 billion and deposits at $30.47 billion, reflecting consistent balance sheet expansion. Credit quality stayed solid, with net charge-offs at just 0.03% of loans and allowance for credit losses steady at 1.15%.

Seeking Alpha7/21/2026Neutral

Atlantic Union Bankshares Corporation (AUB) Q2 2026 Earnings Call Transcript

MarketBeat7/21/2026Neutral

Atlantic Union Bankshares Q2 Earnings Call Highlights

Atlantic Union Bankshares NYSE: AUB reported what management described as a strong second quarter of 2026, with higher loan balances, improved net interest margin and continued low credit losses, while a one-time gain from an equity investment sale boosted reported earnings.

Historical Employee Count of AUB

Current

3,064

Change

+44.19%

Minimum

1,804

Maximum

3,064

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	3,064	10-K	Feb 26, 2026	View
Dec 31, 2024	2,125	10-K	Feb 27, 2025	View
Dec 31, 2023	1,804	10-K	Feb 22, 2024	View
Dec 31, 2022	1,877	10-K	Feb 24, 2023	View
Dec 31, 2021	1,876	10-K	Feb 25, 2022	View

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Atlantic Union Bankshares Corporation