US · AUB
Atlantic Union Bankshares Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Glen Allen, VA 23219
- Website
- atlanticunionbank.com
Price · as of 2025-12-31
$37.91
Market cap 5.28B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $22.90 | -39.59% |
| Intrinsic Value(DCF) | $314.39 | +729.31% |
| Graham-Dodd Method(GD) | $32.74 | -13.63% |
| Graham Formula(GF) | $108.41 | +185.97% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.22 | $29.95 | $5.87 | $14.46 | $9.30 |
| 2012 | $13.10 | $59.49 | $17.79 | $16.19 | $11.13 |
| 2013 | $17.99 | $427.09 | $18.35 | $14.52 | $4.08 |
| 2014 | $15.86 | $27.54 | $20.64 | $12.21 | $73.59 |
| 2015 | $17.00 | $23.01 | $21.35 | $13.34 | $14.38 |
| 2016 | $26.69 | $26.22 | $21.76 | $13.36 | $20.14 |
| 2017 | $30.05 | $27.33 | $22.64 | $13.31 | $30.81 |
| 2018 | $27.00 | $29.63 | $29.17 | $16.07 | $138.28 |
| 2019 | $21.47 | $40.61 | $56.04 | $17.08 | $102.25 |
| 2020 | $34.37 | $26.16 | $35.83 | $16.44 | $5.57 |
| 2021 | $34.03 | $23.20 | $38.42 | $21.34 | $0.00 |
| 2022 | $32.08 | $40.36 | $32.48 | $15.19 | $54.17 |
| 2023 | $32.40 | $43.26 | $33.07 | $14.55 | $109.96 |
| 2024 | $31.74 | $31.13 | $35.58 | $12.96 | $86.61 |
| 2025 | $37.62 | $22.90 | $274.28 | $32.74 | $108.41 |
AI valuation
Our deep-learning model estimates Atlantic Union Bankshares Corporation's (AUB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $22.90
- Current price
- $37.91
- AI upside
- -39.59%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$314.39
+729.31% upside
Graham-Dodd
$32.74
-13.63% upside
Graham Formula
$108.41
+185.97% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AUB | Atlantic Union Bankshares… | $37.91 | 5.28B | -40% | +729% | -14% | +186% | 19.48 | 1.07 | 2.64 | 6.06 | — | 1.80 | 60.94% | 16.77% | 13.54% | 6.72% | 18.61% | 0.88% | 0.30 | 0.51 | 6.81 | 6.81 | 3.19 | -938.00% | 5019.00% | -6750.00% | 1.83% | 0.15 | 6.61% | 0.00% | 0.00% | 0.00% | 7.08 | 24.55 | 1.19 | 0.35 |
| ABCB | Ameris Bancorp | $77.66 | 5.31B | -37% | -9% | -19% | -22% | 13.17 | 1.33 | 3.26 | 11.47 | 84.41 | 1.81 | 68.31% | 32.05% | 24.75% | 10.53% | 13.62% | 1.53% | 0.17 | 1.17 | 0.17 | 0.00 | 1.30 | 1561.00% | 200.00% | 3303.00% | 3.45% | 0.03 | 6.19% | 1.02% | 13.40% | 1.02% | 11.47 | 32.70 | 3.68 | 0.14 |
| AVAL | Grupo Aval Acciones y Val… | $4.09 | 4.88B | +41% | -38% | -51% | -76% | 12.99 | 0.76 | 0.36 | 9.19 | 34.61 | -7.15 | 30.57% | 8.49% | 2.75% | 5.93% | 5.31% | 0.32% | 4.09 | 0.15 | 0.37 | 0.37 | 12.65 | 3753.00% | -380.00% | 4760.00% | -111.53% | -0.07 | -35.60% | 5.52% | 71.70% | 5.94% | 12.92 | -2.76 | 1.10 | -0.27 |
| AX | Axos Financial, Inc. | $86.82 | 4.92B | -26% | +569% | -4% | +48% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| FFIN | First Financial Bankshare… | $30.93 | 4.43B | +97% | -7% | -71% | +11% | 17.42 | 2.30 | 5.35 | 10.51 | 129.41 | 2.75 | 71.82% | 37.49% | 30.71% | 14.39% | 31.46% | 1.72% | 0.01 | 1.54 | 0.68 | 0.67 | -3.30 | 1346.00% | 1171.00% | -236.00% | 6.47% | 0.02 | 35.48% | 2.40% | 41.80% | 13.49% | 10.86 | 11.75 | 4.07 | 0.11 |
| FLG | Flagstar Financial, Inc. | $12.69 | 5.28B | +99% | -1% | +38% | -42% | -30.22 | 0.66 | 1.14 | -6.46 | — | 0.69 | 37.61% | -4.22% | -3.77% | -2.17% | -42.40% | -0.19% | 1.50 | -0.07 | 0.54 | 0.54 | -58.74 | -8539.00% | -2646.00% | -46200.00% | -3.38% | -0.01 | -43.35% | 0.00% | 0.00% | 0.00% | -6.46 | -7.07 | 0.27 | -0.12 |
| GBCI | Glacier Bancorp, Inc. | $45.49 | 5.91B | -40% | -60% | -73% | -11% | 24.94 | 1.41 | 4.18 | 12.41 | 135.18 | 2.18 | 68.96% | 22.86% | 16.77% | 6.43% | 10.23% | 0.80% | 0.69 | 0.80 | 307.57 | 307.57 | 7.06 | 1845.00% | 1448.00% | 6569.00% | 5.83% | 4.58 | 13.25% | 2.73% | 68.10% | 8.93% | 13.90 | 13.04 | 3.18 | 1.20 |
| HWC | Hancock Whitney Corporati… | $65.81 | 5.5B | -22% | -10% | -16% | -41% | 11.45 | 1.25 | 2.76 | 10.14 | 151.08 | 1.60 | 73.05% | 31.00% | 24.08% | 11.32% | 25.05% | 1.38% | 0.27 | 1.23 | 0.00 | 0.00 | 1.86 | 758.00% | -152.00% | -3865.00% | 6.79% | 0.01 | 19.05% | 2.76% | 31.60% | 7.20% | 10.63 | 17.60 | 3.29 | -0.68 |
| IFS | Intercorp Financial Servi… | $48.38 | 5.37B | -25% | -31% | -18% | +19% | 10.30 | 1.52 | 2.03 | 7.08 | 23.78 | 1.75 | 65.27% | 25.24% | 19.72% | 15.66% | 153.46% | 1.87% | 1.03 | 1.09 | 2.07 | 2.07 | 0.29 | 4332.00% | 431.00% | -26255.00% | 16.30% | 0.53 | 256.55% | 2.11% | 21.70% | 3.43% | 8.34 | 6.36 | 2.11 | 0.41 |
| OZK | Bank OZK | $46.56 | 5.21B | -14% | +79% | +76% | +29% | 7.36 | 0.86 | 1.88 | 6.13 | 1505.53 | 0.96 | 55.43% | 33.30% | 25.50% | 12.09% | 14.55% | 1.81% | 0.08 | 0.87 | 0.80 | 0.00 | 0.50 | 49.00% | 115.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.13 | — | 2.04 | 0.36 |
| UBSI | United Bankshares, Inc. | $41.30 | 5.8B | +9% | +9% | -0% | +60% | 12.65 | 1.07 | 3.23 | 2.03 | 66.90 | 1.71 | 65.35% | 32.42% | 25.52% | 8.86% | 23.16% | 1.46% | 0.17 | 1.01 | 28.21 | 28.21 | -2.75 | 1891.00% | 1233.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 2.27% | 2.03 | — | 0.66 | 0.43 |
About Atlantic Union Bankshares Corporation
Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses. The company accepts various deposit products, including checking, savings, NOW, time deposit, and money market accounts; certificates of deposit; and other depository services. It also provides loans for commercial, industrial, residential mortgage, and consumer purposes. In addition, the company offers credit cards, automated teller machine (ATM) services, mobile and internet banking services, and online bill payment services, as well as financial planning, trust, and wealth management services. Further, it provides securities, brokerage, and investment advisory products and services; and originates and sells residential loan products in the secondary market. As of February 25, 2022, it operated 130 branches and approximately 150 ATMs in Virginia, Maryland, and North Carolina. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Richmond, Virginia.
- CEO
- John C. Asbury
- Employees
- 2.13K
- Beta
- 0.81
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($314.39 ÷ $37.91) − 1 = +729.31% (DCF, example).