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Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. The company operates in two segments, Wholesale Banking and Consumer Banking. It accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. The company provides loans for commercial real estate, commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. 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 Glen Allen, Virginia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Atlantic Union Bankshares is a Virginia-based bank holding company that offers commercial and consumer banking, mortgage lending, and wealth management through a Mid-Atlantic branch and digital network. Long-term growth may be supported by organic loan portfolio expansion, higher net interest income if margins widen, and targeted market-share gains in core markets, and investors may find the company attractive for its deposit franchise and diversified lending mix that could support stable earnings. Key investment risks include credit deterioration, particularly commercial real estate concentration, regional economic sensitivity, deposit competition and funding-cost pressure, and regulatory or interest-rate volatility that could compress margins.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 336.99M | 259.79M | 239.90M | 279.95M | 318.76M |
| Net income | 273.71M | 209.13M | 201.82M | 234.51M | 263.92M |
| Selling general administrative | 637.96M | 291.42M | 256.54M | 239.17M | 254.61M |
| Selling and marketing expenses | 18.83M | 12.13M | 10.41M | 9.24M | 9.88M |
| Gross profit | 1232.24M | 767.33M | 670.27M | 696.21M | 677.07M |
| Reconciled depreciation | 44.06M | 35.31M | 40.96M | 10.81M | 13.90M |
| Ebit | 339.20M | 259.79M | 239.90M | 390.75M | 318.76M |
| Ebitda | 396.52M | 295.11M | 280.86M | 401.56M | 332.66M |
| Depreciation and amortization | 57.32M | 35.31M | 40.96M | 10.81M | 13.90M |
| Operating income | 339.20M | 259.79M | 239.90M | 390.75M | 318.76M |
| Other operating expenses | 1682.96M | 1086.62M | 805.43M | -305.46M | -358.31M |
| Interest expense | 666.57M | 529.00M | 343.44M | 76.17M | 41.10M |
| Tax provision | 63.28M | 50.66M | 38.08M | 45.44M | 54.84M |
| Interest income | 1821.49M | 1227.54M | 954.45M | 660.43M | 592.36M |
| Net interest income | 1154.91M | 698.54M | 611.01M | 584.26M | 551.26M |
| Extraordinary items | - | - | - | - | 0.00M |
| Income tax expense | 63.27M | 50.66M | 38.08M | 45.44M | 54.84M |
| Total revenue | 2022.16M | 1346.41M | 1045.33M | 696.21M | 677.07M |
| Total operating expenses | 893.04M | 507.53M | 430.37M | -305.46M | -358.31M |
| Cost of revenue | 789.92M | 579.09M | 375.06M | - | - |
| Total other income expense net | -2.21M | -40.02M | 6.79M | -110.79M | -41.10M |
| Net income from continuing ops | 273.71M | 209.13M | 201.82M | 234.51M | 263.92M |
| Net income applicable to common shares | 261.85M | 197.26M | 189.95M | 222.64M | 252.05M |
| Preferred stock and other adjustments | - | - | - | 11.87M | 11.87M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 37585.75M | 24585.32M | 21166.20M | 20461.14M | 20064.80M |
| Intangible assets | 315.54M | 84.56M | 19.18M | 26.76M | 43.31M |
| Other current assets | - | - | 469.50M | 85.89M | 10560.14M |
| Total liab | 32579.36M | 21442.44M | 18609.87M | 18088.40M | 388.72M |
| Total stockholder equity | 5006.40M | 3142.88M | 2556.33M | 2372.74M | 2710.07M |
| Other current liab | -75.43M | 20397.62M | 90.00M | -160.00M | 16611.07M |
| Common stock | 188.56M | 118.52M | 99.15M | 98.87M | 100.10M |
| Capital stock | 188.74M | 118.69M | 99.32M | 99.05M | 100.27M |
| Retained earnings | 1184.91M | 1103.33M | 1018.07M | 919.54M | 783.79M |
| Other liab | - | - | - | 156.04M | 237.06M |
| Good will | 1733.29M | 1214.05M | 925.21M | 925.21M | 935.56M |
| Other assets | 30941.61M | 20535.40M | 14634.19M | 12741.07M | 10560.14M |
| Cash | 234.26M | 350.13M | 364.36M | 318.49M | 799.68M |
| Total current liabilities | 650.00M | 20513.89M | 810.00M | 1016.00M | 16728.94M |
| Net debt | 1263.04M | 184.49M | 746.67M | 1247.37M | -410.95M |
| Short term debt | 725.43M | 116.28M | 720.00M | 1176.00M | - |
| Short long term debt | 650.00M | 60.00M | 720.00M | 1176.00M | 0.00M |
| Short long term debt total | 1497.29M | 534.62M | 1111.03M | 1565.86M | 388.72M |
| Other stockholder equity | 3888.84M | 2280.55M | 1782.29M | 1772.44M | 1807.37M |
| Property plant equipment | 274.02M | 191.24M | - | 118.24M | 134.81M |
| Total current assets | 4428.56M | 2792.30M | 2428.01M | 3060.31M | 4281.33M |
| Long term investments | 5078.52M | 3246.02M | 3068.64M | 3589.55M | 4109.65M |
| Net tangible assets | - | - | - | 1420.59M | 1731.03M |
| Short term investments | 4194.30M | 2442.17M | 2231.26M | 2741.82M | 3481.65M |
| Long term debt | 771.84M | 418.30M | 391.02M | 389.86M | 388.72M |
| Inventory | - | - | - | 0.08M | 1.70M |
| Accounts payable | - | - | - | 15931.68M | 16611.07M |
| Accumulated other comprehensive income | -256.09M | -359.69M | -343.35M | -418.29M | 18.64M |
| Common stock total equity | - | - | - | 98.87M | 100.10M |
| Preferred stock total equity | - | - | - | 0.17M | 0.17M |
| Retained earnings total equity | - | - | - | 919.54M | 783.79M |
| Non currrent assets other | - | 1276.46M | -1035.35M | -4659.76M | -5223.33M |
| Non current assets total | 2215.58M | 21793.03M | 4103.99M | 4659.76M | 5223.33M |
| Long term debt total | 782.75M | 424.07M | - | 389.86M | 388.72M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -479.64M | -295.69M | -771.18M | -1137.31M | 1260.18M |
| Change to liabilities | - | - | - | 108.39M | -136.20M |
| Total cashflows from investing activities | -268.17M | -295.69M | -603.28M | -1261.70M | -345.44M |
| Net borrowings | 136.99M | -902.89M | -398.00M | 1200.97M | -350.84M |
| Total cash from financing activities | 169.61M | -36.83M | 383.42M | 375.18M | 316.86M |
| Change to operating activities | - | - | - | 68.88M | -52.95M |
| Net income | 273.71M | 209.13M | 201.82M | 234.51M | 263.92M |
| Change in cash | -0.71M | -24.06M | 58.18M | -482.55M | 309.21M |
| Begin period cash flow | 15.22M | 378.13M | 319.95M | 802.50M | 493.29M |
| End period cash flow | 14.51M | 354.07M | 378.13M | 319.95M | 802.50M |
| Total cash from operating activities | 97.85M | 308.46M | 278.05M | 403.96M | 337.79M |
| Issuance of capital stock | 384.96M | 0.23M | 0.59M | 3.88M | 3.14M |
| Depreciation | 44.06M | 35.31M | 40.96M | 45.43M | 50.73M |
| Other cashflows from investing activities | -52.01M | -631.28M | -1135.49M | -121.53M | -1596.22M |
| Dividends paid | 192.13M | 123.88M | 103.28M | -98.77M | -96.17M |
| Sale purchase of stock | 384.96M | 0.23M | 0.78M | -48.23M | -125.00M |
| Other cashflows from financing activities | -160.21M | 989.72M | 883.93M | 518.30M | 899.59M |
| Change to netincome | - | - | - | 48.50M | 134.55M |
| Capital expenditures | 12.41M | 7.39M | 5.10M | 2.85M | 9.40M |
| Cash flows other operating | - | - | - | -36.16M | 27.74M |
| Cash and cash equivalents changes | - | - | - | -482.55M | 309.21M |
| Change in working capital | -22.18M | 11.51M | -1.32M | 68.88M | -52.95M |
| Stock based compensation | - | 13.80M | 11.10M | 10.61M | 10.09M |
| Other non cash items | -153.69M | 18.36M | 23.31M | 19.48M | 22.49M |
| Free cash flow | 85.44M | 301.06M | 272.94M | 401.11M | 328.39M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| AUB Atlantic Union Bankshares Corp |
-0.17 0.43% |
39.53 | 19.07 | 10.28 | 4.36 | 1.11 | 5.07 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. The company operates in two segments, Wholesale Banking and Consumer Banking. It accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. The company provides loans for commercial real estate, commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. 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 Glen Allen, Virginia.
4300 Cox Road, Glen Allen, VA, United States, 23060
804 633 5031
3064
| Name | Title | Year Born |
|---|---|---|
| Mr. John C. Asbury | Pres, CEO & Director | 1966 |
| Mr. Robert Michael Gorman | Exec. VP & CFO | 1958 |
| Mr. David V. Ring | Exec. VP & Wholesale Banking Group Exec. | 1964 |
| Ms. Maria P. Tedesco | Exec. VP | 1961 |
| Mr. William P. Cimino | Sr. VP & Director of Investor Relations | NA |
| Ms. Rachael R. Lape | Exec. VP, Gen. Counsel & Corp. Sec. | 1973 |
| Ms. Beth Shivak | VP & Director of Corp. Communications | NA |
| Mr. L. Duane Smith Jr. | Chief Marketing Officer & Sr. VP | 1968 |
| Clare Miller | Exec. VP & Chief HR Officer | NA |
| Mr. Rawley H. Watson III, CPA | Chief Audit Exec. | NA |
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