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← CockpitCompetitor Analysis › AUB Atlantic Union Bankshares CorporationOpen in the cockpit ↗

Atlantic Union Bankshares CorporationAUBCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks

Virginia-based regional bank offering retail, commercial and wealth banking across Virginia, Maryland and North Carolina.

Momentum neutral 55
Mkt cap
$5.51B
US dollars, full cap
Free float
99%
of shares outstanding
$/day
$56.0M
20-day average traded
P/B
1.09×
price to book
ROE
10.7%
delivered
Implied ROE
9.5%
what the price asks
Next earnings
81 days
26 Jan 2027
Close · USD$39.34
1D+0.3%
1W+0.2%
1M+3.7%
3M-5.5%
6M+3.6%
YTD+11.4%
1Y+19.9%
ATR %2.5%
Beta0.67
52w lowhigh9.8% off high

What Atlantic Union Bankshares does

Virginia-based regional bank offering retail, commercial and wealth banking across Virginia, Maryland and North Carolina.

Earns mostly from the spread between interest on loans and the cost of deposits, with wealth-management and mortgage fees adding income. Growth has come largely from buying other Virginia banks, such as StellarOne, Xenith and Access National.

Products and services

  • Retail/consumer banking
  • Commercial banking
  • Wealth management

Customers

  • Consumers and businesses across Virginia, Maryland

Where it sits in the supply chain

  • Financials
  • Banks
  • Regional bank

What could go right

  • Virginia/Mid-Atlantic economic growth
  • Accretive bank M&A

What could go wrong

  • Commercial real estate credit risk
  • Integration risk from recent mergers

Moat: narrow (scale, distribution). Growing Mid-Atlantic franchise built through bank mergers; core banking remains a competitive commodity business.

Headquarters: Richmond, Virginia, United States · Founded: 1900 · Employees: 3,064

Named competitors

Atlantic Union Bankshares at a glance

Size Atlantic Union Bankshares (AUB) is a United States Financials company (Regional Banks) with a market value of $5.51B, the 1118th largest of 3,117 United States companies the cockpit tracks. Shares closed at $39.34 on 6 Nov 2026.

Performance Over six months the shares gained 3.6%, against +5.3% for the median peer and -1.1% for the United States market (cap-weighted) — 8th lowest of 21 in its peer set.

Growth Revenue grew 20.8% over the last twelve months (peer median +4.0%); the operating margin is 46.5% (peer median 43.4%).

Valuation It trades at 1.09× book value against a peer median of 1.27× (8th cheapest of 21).

Price implies The share price implies a return on equity of about 9.5%; Atlantic Union Bankshares delivers 10.7%, so the price asks less than the business earns today.

Credit Atlantic Union Bankshares has 1 bond outstanding ($250M).

Short interest Short interest is 5.3% of the free float (15 Oct 2026).

Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).

Relative performance

10011011 May 202611 Aug 20266 Nov 2026Peer median 107AUB 106
Six months, rebased to 100: Atlantic Union Bankshares against the median of its 20 peers (local-currency closes).

Atlantic Union Bankshares financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$2.22B$2.04B$1.35B$1.02B$770M
Revenue growth—+52%+33%+32%—
Net income$532M$274M$209M$202M$235M
Free cash flow$543M$355M$301M$262M$385M
Capital expenditure$25.4M$12.4M$7.39M$5.10M$2.85M
Total debt$1.75B$1.63B$620M$1.39B$1.76B

Quarterly statements and history in the cockpit →

Atlantic Union Bankshares competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-10%0%+10%+20%-20%0%ABCBOZK28345830IFSGGALHWC83778334EBCHOMBBEKN6016656015773866GBCINOBA5838002966RILBAAUB6-month return →1-month return →
Up and to the right = strong over both horizons. Atlantic Union Bankshares is the large dot.

Fundamentals: return on equity against price-to-book

10%15%20%10×20×ABCBOZK28345830IFSGGAL83778334HOMBBEKN6016656015773866GBCINOBA5838002966RILBAAUBReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Atlantic Union Bankshares is the large dot.

Capital: ROE delivered against the ROE the price implies

5%10%15%20%10%20%ABCBOZK28345830IFSGGALHWC837783346016656015773866GBCINOBA5838RILBAAUBROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Atlantic Union Bankshares is the large dot.

Atlantic Union Bankshares competitors and peer comparison

Head to head with its named competitors (AUB vs UBSI vs TFC vs WSBC)
CompanyMarket cap6M returnRevenue growthROEPrice / bookImplied ROE
Atlantic Union Bankshares AUB$5.51B+4%+21%11%1.09×9.5%
United Bankshares UBSI$6.57B+11%+4%9%1.20×9.7%
Truist Financial TFC$59.2B+1%-5%8%1.06×9.6%
WesBanco WSBC$3.70B+13%+17%9%0.96×8.2%

How Atlantic Union Bankshares compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Atlantic Union Bankshares against its 20 peers (data as of 6 Nov 2026)
MeasureAUBPeer medianRank in peer set
1-month return+3.7%+1.5%9th highest of 21
6-month return+3.6%+5.3%8th lowest of 21
Return on equity10.7%10.6%11th highest of 21
Price / book1.09×1.27×8th cheapest of 21
Trailing P/E10.8×12.4×7th cheapest of 19
ROE the price implies9.5%8.2%9th most demanding of 20
ROE delivered10.7%10.6%11th highest of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Atlantic Union Bankshares AUBUnited States$5.51B+4%+21%11%1.09×9.5%10.7%
Ameris Bancorp ABCBUnited States$5.49B-5%+3%9%1.33×12.1%9.5%
Bank OZK OZKUnited States$5.53B+4%0%11%0.93×8.9%11.3%
Taiwan Business Bank 2834.TWTaiwan$5.46B+7%-16%9%1.23×4.5%9.2%
Iyogin Holdings,Inc 5830.TJapan$5.61B-3%+13%8%0.91×8.2%7.8%
Intercorp Financial Services IFSUnited States$5.38B+4%+9%17%1.36×10.5%17.4%
Grupo Financiero Galicia SA Sponsored ADR GGALUnited States$5.36B-30%+3%2%0.76×9.6%2.0%
Hancock Whitney HWCUnited States$5.73B+4%-1%9%1.34×12.2%9.4%
Hokuhoku Financial 8377.TJapan$5.25B+53%+27%10%1.10×7.7%9.7%
Gunma Bank 8334.TJapan$5.78B+11%+22%10%1.43×7.8%10.3%
Eastern Bankshares EBCUnited States$5.22B+14%+61%10%1.23×9.6%9.5%
Home BancShares HOMBUnited States$5.97B+12%+2%11%1.31×10.2%11.1%
Berner Kantonalbank BEKN.SWSwitzerland$5.07B+17%-4%7%1.34×n/a6.6%
Qilu Bank 601665.SSChina$6.02B+2%+1%12%0.75×3.2%12.2%
Bank of Changsha 601577.SSChina$6.03B0%-9%11%0.52×2.8%11.1%
Bank of Qingdao 3866.HKHong Kong$4.84B+6%+12%14%0.57×6.1%13.8%
Glacier Bancorp GBCIUnited States$6.27B-1%+21%9%1.45×11.2%8.8%
Noba Bank NOBA.STSweden$4.81B+20%+6%17%1.82×6.9%17.0%
Rakuten Bank 5838.TJapan$6.36B-9%+38%22%2.55×8.1%21.5%
Bank of Suzhou 002966.SZChina$6.41B+12%+5%11%0.79×2.8%10.9%
Ringkjobing Landbobank A/S RILBA.CODenmark$6.44B+16%+2%20%3.58×10.2%20.5%

Atlantic Union Bankshares bonds and credit

Atlantic Union Bankshares has 1 bond outstanding with $250M face value.

Every bond, yield and spread in the cockpit →

Questions

Who are Atlantic Union Bankshares's main competitors?
Named competitors: United Bankshares (UBSI), Truist Financial (TFC), WesBanco (WSBC). The cockpit's measured peer set (industry) also includes Ameris Bancorp (ABCB), Bank OZK (OZK), Taiwan Business Bank (2834.TW), Iyogin Holdings,Inc (5830.T), Intercorp Financial Services (IFS), Grupo Financiero Galicia SA Sponsored ADR (GGAL).
Is Atlantic Union Bankshares expensive compared with its peers?
On price / book it trades at 1.09× against a peer median of 1.27×, 8th cheapest of 21 in its peer set. The share price implies a return on equity of about 9.5%; Atlantic Union Bankshares delivers 10.7%, so the price asks less than the business earns today.
How has Atlantic Union Bankshares stock performed?
Over six months to 6 Nov 2026 the shares returned +3.6% against +5.3% for the median peer; over one year +19.9%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.