Stocks · Financial Services · Banks - Regional
Atlantic Union Bankshares Corporation AUB
$38.82 +0.91% Close, Oct 2, 2026 · NYSE · Market cap $5.51B
Inexpensive vs sector
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 27.9% from 14.8% a year earlier.
- Diluted EPS over the last four quarters was $3.35, up 61.8% year over year.
- Revenue over the last four quarters was $2.21B, up 34.8% from a year earlier, slowing from 59.7% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth59Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 11%
- EPS growth (TTM, YoY)Top 18%
- FCF growth (TTM, YoY)Bottom 8%
- Revenue growth, 3-year CAGRTop 11%
- Revenue growth accelerationBottom 7%
Quality60Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 24%
- Gross marginTop 43%
- Operating marginTop 34%
- Cash conversion (OCF / net income)Bottom 46%
- Accruals (lower is better)Bottom 42%
- Net debt / EBITDA (lower is better)Top 48%
- Interest coverBottom 47%
Value82Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 29%
- Free-cash-flow yieldTop 40%
- EBITDA / enterprise valueTop 26%
- Sales / enterprise valueTop 41%
- P/E vs own 5-year history (lower is better)Top 22%
Momentum43Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 42%
- 6-month returnTop 45%
- 1-year return vs S&P 500Top 44%
- Distance from 52-week highBottom 48%
- Trend checklist (0–4)Bottom 27%
Revisions75Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 45%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyTop 32%
- Upside to consensus price targetTop 27%
Stability32Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 33%
- Maximum drawdown, 3 yearsBottom 21%
- Beta vs S&P 500 (lower is better)Bottom 15%
- Net debt / EBITDA (lower is better)Top 48%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 59.7% | 34.8% | ↓ |
| EPS growth (YoY) | 7.3% | 61.8% | ↑ |
| Gross margin | 55.4% | 67.9% | ↑ |
| Operating margin | 14.8% | 27.9% | ↑ |
| FCF margin | 129.7% | 23.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 34.8% | 59.7% | ↓ | Top 11% |
| EPS growth (TTM, YoY) | 61.8% | 7.3% | ↑ | Top 18% |
| Gross margin | 67.9% | 55.4% | ↑ | Top 43% |
| Operating margin | 27.9% | 14.8% | ↑ | Top 34% |
| Net margin | 22.0% | 12.4% | ↑ | — |
| Free-cash-flow margin | 23.4% | 129.7% | ↓ | — |
| Return on invested capital | 6.5% | — | Top 24% | |
| Revenue growth, 3-year CAGR | 37.7% | — | Top 11% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.11×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.11×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.98%
- Net buyback yield (TTM)
- 0.29%
- Shareholder yield
- 4.27%
- Share count change, 1 year
- +0.3%
- Share count change, 3-year CAGR
- +23.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +4.0%
- Average 2-day reaction, last 8
- -2.1%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $48.50
- Target vs current price
- +24.9%
- Analysts with a rating
- 18
- Share rating Buy or Strong Buy
- 61%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +2.3% | +1.9% | +0.3% | +1.2% | — |
| Apr 21, 2026 | +1.1% | -3.0% | -1.9% | -5.0% | +11.7% |
| Jan 22, 2026 | +12.8% | -0.8% | -2.7% | -0.2% | -2.8% |
| Oct 23, 2025 | -0.4% | -3.2% | -3.5% | -5.2% | +9.8% |
| Jul 24, 2025 | +18.7% | -1.8% | -4.3% | -0.1% | -2.3% |
| Apr 24, 2025 | -17.4% | +0.5% | +5.2% | +11.8% | +25.3% |
| Jan 23, 2025 | -14.1% | -3.4% | -1.4% | -2.9% | -34.7% |
| Oct 21, 2024 | +1.2% | -6.7% | -5.2% | +9.5% | -3.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.94 | $0.92 | +2.3% | $387.6M |
| Apr 21, 2026 | $0.89 | $0.88 | +1.1% | $371.7M |
| Jan 22, 2026 | $0.97 | $0.86 | +12.8% | $391.3M |
| Oct 23, 2025 | $0.84 | $0.84 | -0.4% | $354.7M |
| Jul 24, 2025 | $0.95 | $0.80 | +18.7% | $401.6M |
| Apr 24, 2025 | $0.57 | $0.69 | -17.4% | $212.1M |
| Jan 23, 2025 | $0.67 | $0.78 | -14.1% | $222.5M |
| Oct 21, 2024 | $0.83 | $0.82 | +1.2% | $215.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.6× | 12.7× | 24th | Top 29% |
| P/E (forward) | 10.3× | — | — | — |
| EV / EBITDA | 9.4× | — | — | Top 26% |
| EV / Sales | 2.82× | — | — | Top 41% |
| Free-cash-flow yield | 9.39% | — | — | Top 40% |
| Earnings yield | 8.63% | — | — | Top 29% |
P/E over the past five years
Range 8.4× – 19.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +10.3%
- Earnings per share growth (TTM)
- +61.8%
- Change in P/E multiple
- -17.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.9%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- -4.6%
- Distance from 200-day average
- -0.1%
- RSI (14)
- 43.3
- Relative volume
- 0.75×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.13
- Correlation with S&P 500
- 0.56
- Current drawdown from 1-year high
- -10.5%
- Maximum drawdown, 3 years
- -45.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 25, 2024 | Apr 11, 2025 | -45.2% | 93 days | Not yet recovered |
| Jan 14, 2022 | May 12, 2023 | -44.0% | 332 days | 374 days (Nov 6, 2024) |
| May 17, 2021 | Dec 1, 2021 | -22.8% | 138 days | 31 days (Jan 14, 2022) |
| Jan 14, 2021 | Jan 29, 2021 | -11.8% | 10 days | 16 days (Feb 23, 2021) |
| Mar 12, 2021 | Mar 24, 2021 | -10.8% | 8 days | 35 days (May 13, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $5.51B
- P/E (TTM)
- 11.6
- EPS, diluted (TTM)
- $3.35
- Revenue (TTM)
- $2.21B
- Dividend yield
- 3.81%
- 52-week range
- $30.87 – $43.62
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $711.2M | $779.0M | $1.05B | $1.35B | $2.03B |
| Gross profit | $731.0M | $683.8M | $670.3M | $767.3M | $1.23B |
| Operating income | $318.8M | $280.0M | $239.9M | $259.8M | $337.0M |
| Net income | $263.9M | $234.5M | $201.8M | $209.1M | $273.7M |
| EPS (diluted) | $3.26 | $2.97 | $2.53 | $2.24 | $2.03 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $357.4M | $358.5M | $333.8M | $590.6M | $553.3M | $556.6M | $523.7M | $577.1M |
| Net income | $76.4M | $57.8M | $49.8M | $19.8M | $92.1M | $112.0M | $122.2M | $161.0M |
| EPS (diluted) | $0.82 | $0.60 | $0.53 | $0.12 | $0.63 | $0.77 | $0.84 | $1.11 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $337.8M | $419.7M | $278.0M | $308.5M | $97.8M |
| Capital expenditure | -$9.4M | -$2.9M | -$5.1M | -$7.4M | -$12.4M |
| Free cash flow | $328.4M | $416.8M | $272.9M | $301.1M | $85.4M |
| Dividends paid | -$84.3M | -$86.9M | -$103.3M | -$123.9M | -$192.1M |
| Net share buybacks | -$121.9M | -$44.4M | $778,000 | $228,000 | $385.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $990.3M
- Total assets
- $38.10B
- Total liabilities
- $32.95B
- Total debt
- $1.73B
- Net debt
- $735.4M
- Shareholders’ equity
- $5.15B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.37 | Aug 21, 2026 |
| May 22, 2026 | $0.37 | Jun 5, 2026 |
| Feb 13, 2026 | $0.37 | Feb 27, 2026 |
| Nov 14, 2025 | $0.37 | Nov 28, 2025 |
| Aug 4, 2025 | $0.34 | Aug 18, 2025 |
| May 23, 2025 | $0.34 | Jun 6, 2025 |
| Feb 14, 2025 | $0.34 | Feb 28, 2025 |
| Nov 8, 2024 | $0.34 | Nov 22, 2024 |
Short interest
- Shares sold short
- 8,237,073
- Days to cover
- 6.11
- Change vs previous report
- +9.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 16, 2006
- 3-for-2
- Jun 2, 1998
- 2-for-1
- May 23, 1995
- 4-for-3