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ATLANTIC UNION BANKSHARES CO (AUB) Stock Fundamental Analysis

NYSE:AUB - New York Stock Exchange, Inc. - US04911A1079 - Common Stock - Currency: USD

26.46  +0.11 (+0.42%)

After market: 26.7 +0.24 (+0.91%)

Fundamental Rating

4

AUB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of AUB have multiple concerns. AUB is not valued too expensively and it also shows a decent growth rate. Finally AUB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

AUB had positive earnings in the past year.
In the past year AUB had a positive cash flow from operations.
In the past 5 years AUB has always been profitable.
AUB had a positive operating cash flow in each of the past 5 years.
AUB Yearly Net Income VS EBIT VS OCF VS FCFAUB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

AUB has a Return On Assets of 0.80%. This is comparable to the rest of the industry: AUB outperforms 47.99% of its industry peers.
AUB has a Return On Equity of 6.28%. This is in the lower half of the industry: AUB underperforms 68.34% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 6.28%
ROIC N/A
ROA(3y)0.93%
ROA(5y)0.96%
ROE(3y)7.7%
ROE(5y)7.6%
ROIC(3y)N/A
ROIC(5y)N/A
AUB Yearly ROA, ROE, ROICAUB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

The Profit Margin of AUB (24.13%) is comparable to the rest of the industry.
AUB's Profit Margin has declined in the last couple of years.
AUB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.45%
PM growth 5Y-3.51%
GM growth 3YN/A
GM growth 5YN/A
AUB Yearly Profit, Operating, Gross MarginsAUB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

AUB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AUB has more shares outstanding
AUB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AUB has an improved debt to assets ratio.
AUB Yearly Shares OutstandingAUB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
AUB Yearly Total Debt VS Total AssetsAUB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

AUB has a debt to FCF ratio of 1.60. This is a very positive value and a sign of high solvency as it would only need 1.60 years to pay back of all of its debts.
AUB has a better Debt to FCF ratio (1.60) than 60.80% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that AUB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.15, AUB perfoms like the industry average, outperforming 58.54% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.6
Altman-Z N/A
ROIC/WACCN/A
WACC16.75%
AUB Yearly LT Debt VS Equity VS FCFAUB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AUB Yearly Current Assets VS Current LiabilitesAUB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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6

3. Growth

3.1 Past

AUB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.09%.
The Earnings Per Share has been growing slightly by 0.29% on average over the past years.
The Revenue has grown by 16.46% in the past year. This is quite good.
AUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.04% yearly.
EPS 1Y (TTM)-9.09%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-12.31%
Revenue 1Y (TTM)16.46%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%25.21%

3.2 Future

The Earnings Per Share is expected to grow by 12.80% on average over the next years. This is quite good.
The Revenue is expected to grow by 23.83% on average over the next years. This is a very strong growth
EPS Next Y20.01%
EPS Next 2Y19.84%
EPS Next 3Y12.8%
EPS Next 5YN/A
Revenue Next Year62.32%
Revenue Next 2Y37.19%
Revenue Next 3Y23.83%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
AUB Yearly Revenue VS EstimatesAUB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
AUB Yearly EPS VS EstimatesAUB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.80 indicates a reasonable valuation of AUB.
AUB's Price/Earnings ratio is a bit cheaper when compared to the industry. AUB is cheaper than 75.63% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.92. AUB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.63, the valuation of AUB can be described as very cheap.
90.95% of the companies in the same industry are more expensive than AUB, based on the Price/Forward Earnings ratio.
AUB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.8
Fwd PE 6.63
AUB Price Earnings VS Forward Price EarningsAUB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

AUB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.61
EV/EBITDA N/A
AUB Per share dataAUB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

AUB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AUB's earnings are expected to grow with 12.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)33.76
EPS Next 2Y19.84%
EPS Next 3Y12.8%

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.16%, AUB is a good candidate for dividend investing.
The stock price of AUB dropped by -27.63% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
AUB's Dividend Yield is rather good when compared to the industry average which is at 3.63. AUB pays more dividend than 86.93% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, AUB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.16%

5.2 History

On average, the dividend of AUB grows each year by 6.99%, which is quite nice.
AUB has paid a dividend for at least 10 years, which is a reliable track record.
AUB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.99%
Div Incr Years14
Div Non Decr Years14
AUB Yearly Dividends per shareAUB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

AUB pays out 62.80% of its income as dividend. This is not a sustainable payout ratio.
AUB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP62.8%
EPS Next 2Y19.84%
EPS Next 3Y12.8%
AUB Yearly Income VS Free CF VS DividendAUB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
AUB Dividend Payout.AUB Dividend Payout, showing the Payout Ratio.AUB Dividend Payout.PayoutRetained Earnings

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ATLANTIC UNION BANKSHARES CO

NYSE:AUB (4/24/2025, 8:04:01 PM)

After market: 26.7 +0.24 (+0.91%)

26.46

+0.11 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners94.77%
Inst Owner Change-0.12%
Ins Owners0.96%
Ins Owner Change16.12%
Market Cap3.50B
Analysts80
Price Target41.65 (57.41%)
Short Float %6.46%
Short Ratio5.93
Dividend
Industry RankSector Rank
Dividend Yield 5.16%
Yearly Dividend1.5
Dividend Growth(5Y)6.99%
DP62.8%
Div Incr Years14
Div Non Decr Years14
Ex-Date02-14 2025-02-14 (0.34)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.73%
Min EPS beat(2)-14.29%
Max EPS beat(2)0.83%
EPS beat(4)1
Avg EPS beat(4)-6.81%
Min EPS beat(4)-14.29%
Max EPS beat(4)0.83%
EPS beat(8)4
Avg EPS beat(8)-6.86%
EPS beat(12)6
Avg EPS beat(12)-4.51%
EPS beat(16)8
Avg EPS beat(16)-0.54%
Revenue beat(2)0
Avg Revenue beat(2)-3.73%
Min Revenue beat(2)-4.81%
Max Revenue beat(2)-2.65%
Revenue beat(4)0
Avg Revenue beat(4)-4.4%
Min Revenue beat(4)-5.64%
Max Revenue beat(4)-2.65%
Revenue beat(8)1
Avg Revenue beat(8)-4.41%
Revenue beat(12)2
Avg Revenue beat(12)-3.34%
Revenue beat(16)3
Avg Revenue beat(16)-2.97%
PT rev (1m)-4.29%
PT rev (3m)-3.04%
EPS NQ rev (1m)-2.32%
EPS NQ rev (3m)-6.84%
EPS NY rev (1m)-0.8%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)17.34%
Valuation
Industry RankSector Rank
PE 9.8
Fwd PE 6.63
P/S 4.28
P/FCF 11.61
P/OCF 11.34
P/B 1.11
P/tB 1.9
EV/EBITDA N/A
EPS(TTM)2.7
EY10.2%
EPS(NY)3.99
Fwd EY15.09%
FCF(TTM)2.28
FCFY8.61%
OCF(TTM)2.33
OCFY8.82%
SpS6.19
BVpS23.78
TBVpS13.96
PEG (NY)0.49
PEG (5Y)33.76
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 6.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.13%
GM N/A
FCFM 36.83%
ROA(3y)0.93%
ROA(5y)0.96%
ROE(3y)7.7%
ROE(5y)7.6%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.45%
PM growth 5Y-3.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.6
Debt/EBITDA N/A
Cap/Depr 20.94%
Cap/Sales 0.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 152.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.75%
ROIC/WACCN/A
Cap/Depr(3y)13.25%
Cap/Depr(5y)25.4%
Cap/Sales(3y)0.68%
Cap/Sales(5y)1.55%
Profit Quality(3y)156.36%
Profit Quality(5y)146.4%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.09%
EPS 3Y-5.07%
EPS 5Y0.29%
EPS Q2Q%-12.31%
EPS Next Y20.01%
EPS Next 2Y19.84%
EPS Next 3Y12.8%
EPS Next 5YN/A
Revenue 1Y (TTM)16.46%
Revenue growth 3Y6.48%
Revenue growth 5Y4.04%
Sales Q2Q%25.21%
Revenue Next Year62.32%
Revenue Next 2Y37.19%
Revenue Next 3Y23.83%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.3%
FCF growth 3Y-2.86%
FCF growth 5Y10.97%
OCF growth 1Y16.85%
OCF growth 3Y-2.98%
OCF growth 5Y9.63%