-2.07%
-0.62%
-1.65%
-1.73%
9.34%
-7.53%
7.22%
AI Spotlight on AUB
Company Description
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.
Market Data
| Last Price | 36.99 |
| Change Percentage | -2.07% |
| Open | 36.93 |
| Previous Close | 37.77 |
| Market Cap ( Millions) | 3321 |
| Volume | 1143085 |
| Year High | 44.54 |
| Year Low | 30.43 |
| M A 50 | 39.33 |
| M A 200 | 36.88 |
Financial Ratios
| FCF Yield | 7.49% |
| Dividend Yield | 3.51% |
| ROE | 7.35% |
| Debt / Equity | 24.92% |
| Net Debt / EBIDTA | -3650.98% |
| Price To Book | 1.04 |
| Price Earnings Ratio | 15.95 |
| Price To FCF | 13.34 |
| Price To sales | 15.3 |
| EV / EBITDA | -486.28 |
News
- Jan -23 - Atlantic Union Bankshares Corporation (AUB) Q4 2024 Earnings Call Transcript
- Jan -23 - Atlantic Union Bankshares: Still In Growth Mode, Dividend Growth Investors Take Note
- Jan -23 - Atlantic Union (AUB) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates
- Jan -23 - Atlantic Union (AUB) Q4 Earnings Lag Estimates
- Jan -17 - Seeking Clues to Atlantic Union (AUB) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics
- Jan -16 - Earnings Preview: Atlantic Union (AUB) Q4 Earnings Expected to Decline
- Jan -13 - Atlantic Union Bankshares Corporation and Sandy Spring Bancorp, Inc. Announce Receipt of Federal Reserve Approvals to Complete Mergers
- Jan -02 - Atlantic Union Bankshares Corporation To Release Fourth Quarter and Full Year 2024 Financial Results
- Oct -31 - 16 Upcoming Dividend Increases
- Oct -24 - Atlantic Union Bankshares Corporation Declares Quarterly Common Stock Dividend and Preferred Stock Dividend
- Oct -24 - Atlantic Union Bankshares: Transforming Into A Powerhouse
- Oct -23 - STOCKHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of SecureWorks Corp. – SCWX
- Oct -22 - SANDY SPRING INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Sandy Spring Bancorp - SASR
- Oct -21 - ALERT: Rowley Law PLLC is Investigating Proposed Acquisition of Sandy Spring Bancorp
- Oct -21 - Atlantic Union Bankshares Corporation (AUB) Q3 2024 Earnings Call Transcript
- Oct -21 - AUB Stock Alert: Halper Sadeh LLC Is Investigating Whether the Merger of Atlantic Union Bankshares Corporation Is Fair to Shareholders
- Oct -21 - Atlantic Union (AUB) Q3 Earnings and Revenues Miss Estimates
- Oct -21 - Atlantic Union Bankshares Corporation Announces Agreement to Acquire Sandy Spring Bancorp
- Oct -21 - Atlantic Union Bankshares Corporation Announces Pricing of an Underwritten Offering of 9,859,155 Shares of Common Stock
- Oct -21 - Atlantic Union Bankshares Reports Third Quarter Financial Results
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Wholesale Banking
Expected Growth : 5.45 %
What the company do ?
Wholesale Banking from Atlantic Union Bankshares Corporation provides cash management, treasury management, and commercial lending services to large corporations and institutions.
Why we expect these perspectives ?
Atlantic Union Bankshares Corporation's Wholesale Banking segment growth of 5.45% is driven by increased commercial loan demand, expansion of treasury management services, and strategic partnerships. Additionally, the segment benefits from a strong economy, low unemployment, and rising interest rates, which boost lending and deposit growth.
Segment n°2 -> Consumer Banking
Expected Growth : 7.03 %
What the company do ?
Consumer Banking from Atlantic Union Bankshares Corporation offers personal banking services, including checking, savings, credit cards, loans, and investment products to individual customers.
Why we expect these perspectives ?
Atlantic Union Bankshares Corporation's 7.03% growth in Consumer Banking is driven by strategic expansion into new markets, increased adoption of digital banking channels, and a focus on customer acquisition and retention through competitive pricing and exceptional customer service.
Segment n°3 -> Corporate Other
Expected Growth : 4.54 %
What the company do ?
Corporate Other from Atlantic Union Bankshares Corporation refers to the non-banking subsidiaries and other miscellaneous operations of the company.
Why we expect these perspectives ?
Atlantic Union Bankshares Corporation's Corporate Other segment growth of 4.54% is driven by increasing treasury management services, growth in mortgage banking income, and expansion of commercial loan offerings. Additionally, strategic acquisitions and investments in digital banking platforms have contributed to the segment's growth.
Atlantic Union Bankshares Corporation Products
| Product Range | What is it ? |
|---|---|
| Commercial Banking | Provides financial solutions to businesses, including cash management, lending, and treasury management services. |
| Consumer Banking | Offers personal banking services, including checking and savings accounts, credit cards, and personal loans. |
| Mortgage Banking | Provides mortgage lending services to individuals and businesses, including residential and commercial mortgages. |
| Wealth Management | Offers investment and wealth management services, including financial planning, investment management, and trust services. |
| Card Services | Provides credit card and debit card services to individuals and businesses. |
| Treasury Management | Offers cash management and treasury services to businesses, including account management, payment processing, and fraud prevention. |
Atlantic Union Bankshares Corporation's Porter Forces
Threat Of Substitutes
The threat of substitutes for Atlantic Union Bankshares Corporation is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of concentration in the banking industry and the high switching costs for customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the bank's ability to negotiate with suppliers and the lack of concentration in the supplier market.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the competitive nature of the banking industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 30.30% |
| Debt Cost | 8.63% |
| Equity Weight | 69.70% |
| Equity Cost | 8.63% |
| WACC | 8.63% |
| Leverage | 43.46% |
Atlantic Union Bankshares Corporation : Quality Control
Atlantic Union Bankshares Corporation passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| UMBF | UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit … |
| WBS | Webster Financial Corporation operates as the bank holding company for Webster Bank, National Association that provides a range of banking, investment, and financial services to individuals, families, and businesses in … |
| HWC | Hancock Whitney Corporation operates as the financial holding company for Hancock Whitney Bank that provides traditional and online banking services to commercial, small business, and retail customers. It accepts various … |
| ABCB | Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and … |
| SSB | SouthState Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and products to individuals and companies. It accepts checking accounts, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SouthState
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Hancock Whitney
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UMB
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Ameris
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Webster
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6
