Atlantic Union Bankshares Corporation (AUB) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: Atlantic Union Bankshares Corporation

Market cap $6B · 52 weeks $31 – $43 (8 % below the high) · P/E 10.7× · 2027 expected P/E 9.7× · Dividend 3.8 % · 11 years rising · Next earnings January 28, 2027 · expected EPS $0.98 · Closing price, Oct 30 · accounts published Oct 20.

• Valuation: P/B 1.1× (justified).
• Business: ROTCE 9.3 % (weak).
• Balance sheet: Capital/assets 13.3 % (solid).
• Earnings: 4 of 8 (uneven).

What would it be worth at its usual multiples?

At a P/B justified by its ROTCE del 9,3 % (1.3×) $46 (+17 %); at its peers' median (1.3×) $47 (+19 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in banking: 3 of 5 pass

• ROA 0.0 %, fails.
• ROTCE 9.3 %, fails.
• Equity / Assets (Tier 1 proxy) 13.3 %, passes.
• P/B (Price / Book) 1.1×, passes.
• Sustainable dividend yield 3.8 %, passes.

Against its peers (reference peers) — Atlantic Union Bankshares Corporation: P/E 10.7×; P/B 0.0×; ROE 0.0 %; $5.5B. Bank OZK (P/E 8.5×; P/B 0.9×; ROE 10.9 %; $5.5B), Ameris Bancorp (P/E 14.9×; P/B 1.3×; ROE 9.4 %; $5.5B), Hancock Whitney Corporation (P/E 14.5×; P/B 1.4×; ROE 9.3 %; $5.8B).

Expensive or cheap against its last ten fiscal years?

Precio / valor contable at each close: today 1.1× · median 1.1× · minimum 0.6× · maximum 1.8× · cheap below 1.0× · expensive above 1.4×. It has been cheaper than today 54% of the time over its last ten fiscal years.

Dividend

solid · Yield 3.8 % ($1.49 per share in 2025) · Years raising it ≥ 11 · 5-year growth +7 % a year · Free cash flow coverage payout 70 % · With $1,000 invested today you'd collect $38.00 a year ($3.17 a month).