Atlantic Union Bankshares Corporation (AUB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Atlantic Union Bankshares Corporation (AUB) trades at $37.62 with AI Score 64/100 (Grade B+). Atlantic Union Bankshares Corporation is a regional bank holding company providing financial services to consumers and businesses. Market cap: $5.38B, Sector: Financial services.
Last analyzed: May 9, 2026AUB stock analysis for 2026: Analysts have set a consensus price target of $45.38 for Atlantic Union Bankshares Corporation, suggesting 20.6% upside from the current price of $37.62. The AI MoonshotScore is 64/100, indicating a bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
AUB: 4/5 perspectives are bullish. Dominant signal: Izzy Englander bullish.
Atlantic Union Bankshares Corporation (AUB) Financial Services Profile
Atlantic Union Bankshares Corporation, a regional bank holding company, provides comprehensive financial services including deposit accounts, loans, and wealth management. Operating across Virginia, Maryland, and North Carolina, AUB leverages its extensive branch network and digital platforms to serve consumers and businesses, positioning itself amidst established regional competitors and evolving fintech landscape.
What Is the Investment Thesis for AUB?
Atlantic Union Bankshares Corporation presents a stable investment opportunity within the regional banking sector. With a market capitalization of $4.89 billion and a profit margin of 24.7%, the company demonstrates solid financial performance. A key value driver is its established presence in the Virginia, Maryland, and North Carolina markets, supported by a network of 130 branches. Growth catalysts include expanding digital banking services and increasing wealth management offerings. However, investors may want to evaluate the potential risks associated with interest rate fluctuations and increasing competition from fintech companies. The company's ROE of 8.4% and beta of 0.81 indicate moderate profitability and lower volatility compared to the broader market. Monitoring loan portfolio performance and efficiency ratios will be crucial for assessing future growth and profitability.
Based on FMP financials and quantitative analysis
AUB Key Highlights
- Market capitalization of $4.89 billion reflects a substantial valuation within the regional banking sector.
- Profit margin of 24.7% indicates strong profitability compared to the industry average.
- Return on Equity (ROE) of 8.4% demonstrates efficient utilization of shareholder equity.
- Beta of 0.81 suggests lower volatility compared to the overall market, potentially offering a more stable investment.
- Operates 130 branches across Virginia, Maryland, and North Carolina, providing a strong regional presence.
Who Are AUB's Competitors?
AUB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| GBCI Glacier Bancorp, Inc. | $47.15 | -0.29% | $6.14B | 50 |
| UBSI United Bankshares, Inc. | $43.26 | +0.47% | $5.96B | 57 |
| AX Axos Financial, Inc. | $86.35 | -0.64% | 5B | 54 |
| FLG Flagstar Financial, Inc. | $14.23 | +1.03% | 6B | 49 |
| ABCB Ameris Bancorp | $85.03 | +2.64% | $5.72B | 53 |
| MCHB Mechanics Bank | $15.02 | -0.07% | $3.31B | 71 |
| NASB NASB Financial, Inc. | $40.50 | +0.00% | $290.65M | 68 |
| LRBI Lake Ridge Bancorp Inc. | $144.00 | +0.00% | $283.20M | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AUB's Key Strengths?
- Established regional presence in Virginia, Maryland, and North Carolina.
- Comprehensive suite of banking and financial services.
- Strong customer relationships and local market expertise.
- Solid financial performance with a healthy profit margin.
What Are AUB's Weaknesses?
- Limited geographic diversification compared to larger national banks.
- Reliance on traditional branch network in a digital age.
- Exposure to interest rate risk and economic fluctuations.
- Lack of dividend may deter some investors.
What Could Drive AUB Stock Higher?
- Expansion of digital banking platforms to attract and retain customers.
- Growth in wealth management services driven by increasing affluence in the region.
- Potential strategic acquisitions to expand geographic footprint in the next 3-5 years.
- Increased commercial lending activities targeting small and medium-sized businesses.
What Are the Key Risks for AUB?
- Interest rate fluctuations impacting net interest margin.
- Increasing competition from fintech companies and online lenders.
- Economic downturns leading to credit quality deterioration.
- Cybersecurity threats and data breaches compromising customer information.
What Are the Growth Opportunities for AUB?
- Expansion of Digital Banking Services: Atlantic Union Bankshares can capitalize on the growing demand for digital banking by enhancing its mobile and online platforms. Investing in user-friendly interfaces, advanced security features, and personalized financial tools can attract and retain customers. The digital banking market is projected to reach $9 trillion by 2027, offering a significant growth opportunity for AUB to increase its market share and improve operational efficiency. Timeline: Ongoing.
- Wealth Management Services Growth: The increasing affluence in AUB's operating regions presents an opportunity to expand its wealth management services. By offering comprehensive financial planning, investment advisory, and trust services, AUB can attract high-net-worth individuals and families. The wealth management market is expected to grow at a rate of 7% annually, providing a substantial revenue stream for AUB. Timeline: Ongoing.
- Strategic Acquisitions: Atlantic Union Bankshares can pursue strategic acquisitions of smaller banks or financial institutions in adjacent markets. This can expand its geographic footprint and customer base, creating synergies and economies of scale. The regional banking sector is consolidating, and AUB can leverage its strong capital position to acquire undervalued assets. Timeline: Potential in the next 3-5 years.
- Commercial Lending Expansion: Focusing on expanding its commercial lending portfolio can drive revenue growth for AUB. By targeting small and medium-sized businesses (SMBs) in its operating regions, AUB can provide tailored financing solutions and build long-term relationships. The SMB lending market is expected to grow at a rate of 5% annually, offering a significant opportunity for AUB to increase its market share. Timeline: Ongoing.
- Enhanced Customer Experience: Investing in improving the overall customer experience can drive customer loyalty and attract new clients. This includes providing personalized service, streamlining processes, and offering innovative products and services. By focusing on customer satisfaction, AUB can differentiate itself from competitors and build a strong brand reputation. Timeline: Ongoing.
What Opportunities Does AUB Have?
- Expansion of digital banking services to attract younger customers.
- Growth in wealth management services to capitalize on increasing affluence.
- Strategic acquisitions to expand geographic footprint.
- Increased commercial lending to support small and medium-sized businesses.
What Threats Does AUB Face?
- Increasing competition from fintech companies and online lenders.
- Regulatory changes and compliance costs.
- Economic downturns and credit quality deterioration.
- Cybersecurity risks and data breaches.
What Are AUB's Competitive Advantages?
- Established regional presence with a network of 130 branches.
- Strong customer relationships built over a century of operation.
- Comprehensive suite of banking and financial services.
- Local market expertise and personalized service.
What Does AUB Do?
Atlantic Union Bankshares Corporation, established in 1902 and headquartered in Richmond, Virginia, operates as the holding company for Atlantic Union Bank. Originally known as Union Bankshares Corporation, the company rebranded in May 2019 to reflect its expanded regional presence. The bank provides a comprehensive suite of banking and related financial services to consumers and businesses. These services include a variety of deposit products such as checking, savings, NOW, time deposit, and money market accounts, as well as certificates of deposit. The company also offers a range of lending options, including commercial, industrial, residential mortgage, and consumer loans. Beyond traditional banking services, Atlantic Union Bankshares provides credit cards, automated teller machine (ATM) services, mobile and internet banking, and online bill payment services. The company also offers financial planning, trust, and wealth management services, catering to the diverse financial needs of its clientele. Furthermore, Atlantic Union Bankshares engages in securities, brokerage, and investment advisory services, and originates and sells residential loan products in the secondary market. As of February 25, 2022, the company operated 130 branches and approximately 150 ATMs across Virginia, Maryland, and North Carolina, demonstrating its commitment to providing accessible and convenient banking solutions throughout its footprint. Atlantic Union Bankshares competes with other regional banks and financial institutions, focusing on building strong customer relationships and delivering personalized financial solutions.
What Products and Services Does AUB Offer?
- Accepts deposits, including checking, savings, and money market accounts.
- Provides commercial, industrial, residential mortgage, and consumer loans.
- Offers credit cards and ATM services.
- Provides mobile and internet banking services.
- Offers online bill payment services.
- Provides financial planning, trust, and wealth management services.
- Offers securities, brokerage, and investment advisory products and services.
- Originates and sells residential loan products in the secondary market.
How Does AUB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides wealth management and investment advisory services for a fee.
- Sells residential loan products in the secondary market.
What Industry Does AUB Operate In?
Atlantic Union Bankshares operates in the regional banking sector, which is characterized by increasing competition from both traditional banks and fintech companies. The industry is experiencing a shift towards digital banking solutions and personalized customer experiences. Regulatory changes and interest rate fluctuations also significantly impact the profitability of regional banks. Atlantic Union Bankshares competes with other regional players like Glacier Bancorp, Inc. (GBCI) and United Bankshares, Inc. (UBSI), focusing on local market expertise and customer relationships to maintain its competitive edge. The regional banking sector is expected to grow moderately, driven by economic expansion in the Southeast and Mid-Atlantic regions.
Who Are AUB's Key Customers?
- Consumers seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- High-net-worth individuals seeking wealth management services.
- Real estate developers and investors requiring mortgage financing.
AUB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- AUB insiders have been consistently buying shares, signaling strong confidence in the company's future prospects, similar to how insiders loaded up on Apple before major product launches.
- The social trading community shows growing optimism towards AUB, believing it's undervalued compared to its peers, reminiscent of the early buzz around Netflix's disruptive potential.
- Positive community sentiment suggests AUB is perceived as a stable, reliable bank in a volatile market, a flight to quality like investors seeking U.S. Treasury bonds during crises.
- Market perception indicates AUB is well-positioned to benefit from potential interest rate hikes, mirroring how bank stocks rallied during the Fed's tightening cycle in the mid-2000s.
Bear Case
- Recent market developments suggest increased competition in AUB's regional banking sector, similar to the challenges faced by smaller airlines against major carriers.
- The social trading community expresses concerns about AUB's exposure to potential economic slowdowns in its operating region, akin to worries about Detroit's auto industry during the 2008 recession.
- Bearish community views highlight potential risks associated with AUB's loan portfolio, drawing parallels to concerns about subprime mortgages before the financial crisis.
- Insider selling activity, though less pronounced than buying, raises questions about short-term growth prospects, a caution flag like executives selling shares before a company restructures.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $508M | $122M | $0.86 |
| Q4 2025 | $559M | $112M | $0.79 |
| Q3 2025 | $539M | $92M | $1.02 |
| Q2 2025 | $591M | $20M | $0.22 |
Based on FMP financials and quantitative analysis
AUB Latest News
-
Three Noteworthy Dividend Stocks To Consider
Simply Wall St. · May 28, 2026
-
3 Stocks Under $50 That Concern Us
Yahoo! Finance: AUB News · May 15, 2026
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TD Cowen Maintains Buy on Atlantic Union Bankshares, Raises Price Target to $45
benzinga · May 12, 2026
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Federal Home Loan Bank of Atlanta, Atlantic Union Bank and Jubilee Housing Celebrate Groundbreaking of Affordable Housing Community in Washington D.C.
globenewswire.com · May 7, 2026
AUB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for AUB.
Price Targets
Consensus target: $45.38
AUB MoonshotScore
What does this score mean?
The MoonshotScore rates AUB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Three Noteworthy Dividend Stocks To Consider
3 Stocks Under $50 That Concern Us
TD Cowen Maintains Buy on Atlantic Union Bankshares, Raises Price Target to $45
Federal Home Loan Bank of Atlanta, Atlantic Union Bank and Jubilee Housing Celebrate Groundbreaking of Affordable Housing Community in Washington D.C.
Leadership: John C. Asbury
CEO
John C. Asbury serves as the CEO of Atlantic Union Bankshares Corporation. He has extensive experience in the financial services industry, having held various leadership positions at other banks and financial institutions. His background includes expertise in commercial banking, wealth management, and strategic planning. Asbury's career reflects a deep understanding of the banking sector and a proven track record of driving growth and profitability. He is responsible for overseeing the overall strategy and operations of Atlantic Union Bankshares Corporation.
Track Record: Under John C. Asbury's leadership, Atlantic Union Bankshares Corporation has focused on expanding its digital banking capabilities and enhancing its customer experience. He has overseen strategic acquisitions and initiatives aimed at increasing the company's market share and profitability. Asbury has also emphasized the importance of risk management and compliance, ensuring the company operates with integrity and transparency.
Common Questions About AUB (Financial Services)
What does Atlantic Union Bankshares Corporation do?
Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank, providing a comprehensive range of banking and related financial services to consumers and businesses. These services include accepting deposits through various accounts, offering loans for commercial, industrial, residential mortgage, and consumer purposes, and providing credit cards and ATM services. Additionally, the company offers mobile and internet banking, online bill payment, financial planning, trust, wealth management, securities, brokerage, and investment advisory services, catering to diverse financial needs across Virginia, Maryland, and North Carolina.
What do analysts say about AUB stock?
Analyst consensus on Atlantic Union Bankshares Corporation (AUB) stock reflects a generally neutral outlook, considering its established regional presence and solid financial performance. Key valuation metrics, such as price-to-earnings ratio and price-to-book ratio, are often compared to its regional banking peers. Growth considerations include the company's ability to expand its digital banking services and wealth management offerings, while managing risks associated with interest rate fluctuations and increasing competition. Analyst ratings and price targets vary, reflecting different perspectives on AUB's future growth potential and profitability.
What are the main risks for AUB?
Atlantic Union Bankshares Corporation faces several key risks inherent to the regional banking sector. Interest rate risk is a significant concern, as fluctuations in interest rates can impact the company's net interest margin and profitability. Increasing competition from fintech companies and online lenders poses a threat to AUB's market share and customer base. Economic downturns can lead to credit quality deterioration and increased loan losses. Cybersecurity risks and data breaches are also a major concern, as they can compromise customer information and damage the company's reputation. Effective risk management and compliance are crucial for mitigating these potential challenges.
What are the key factors to evaluate for AUB?
Atlantic Union Bankshares Corporation (AUB) holds an AI score of 64/100 (moderate). P/E: 14.9x vs the S&P 500's ~20-25x. Analysts target $45.38 (+21%). Not financial advice.
How frequently does AUB data refresh on this page?
AUB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven AUB's recent stock price performance?
Atlantic Union Bankshares Corporation (AUB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established regional presence in Virginia, Maryland, and North Carolina. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AUB overvalued or undervalued right now?
Atlantic Union Bankshares Corporation (AUB) trades at 14.9x earnings. Analysts target $45.38 (+21%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying AUB?
Before investing in Atlantic Union Bankshares Corporation (AUB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the last reported period.
- Analyst opinions may vary.