GICS Sector : Financial Services
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.
Atlantic Union Bankshares reported robust fourth-quarter financial results, with adjusted operating earnings available to common shareholders reaching $138.4 million or $0.97 per common share. The company's net interest margin increased by 13 basis points to 3.96%, driven by lower deposit costs and relatively flat loan yields. For the full year 2025, adjusted operating earnings available to common shareholders were $444.8 million or $3.44 per common share, resulting in an adjusted operating return on tangible common equity of 20.4% and adjusted operating return on assets of 1.33%. The actual EPS came out at $0.788, slightly below estimates of $0.86.
Publication Date: Jan -23
The company reported loan growth of approximately 6.3% annualized, ending the year at $27.8 billion, and expects 2026 year-end loan balances to range between $29 billion and $30 billion. Credit quality showed continued strength and improvement, with a fourth-quarter annualized net charge-off ratio coming in at one basis point. The loan pipeline is up, and production is up, with strength seen across the state of Virginia and in the former Sandy Spring footprint.
The company's deposit base experienced typical year-end fluctuations, but has seen some balances return during the early weeks of the first quarter. The company's regulatory capital ratios were comfortably above well-capitalized levels, and tangible book value per common share increased approximately 4% to $19.69 per share in the fourth quarter. The company is guiding towards 12-15% annualized tangible capital growth and will consider share buybacks once it reaches a CET1 capital ratio of 10.5%, potentially in the second or third quarter.
For 2026, the company guides for net interest income between $1.35 billion and $1.375 billion, and expects a fully tax-equivalent net interest margin of 3.94% for the full year. Analysts estimate next year's revenue growth at 4.8%. With a current Price-to-Tangible Book Value (P/TBV) of around 1.12, the stock appears reasonably valued. The Dividend Yield stands at 3.5%, providing a relatively attractive income stream. Given the company's guidance and valuation metrics, the stock is likely to remain stable, with potential for long-term growth.
Envestnet Asset Management Inc. Purchases 64,806 Shares of Atlantic Union Bankshares Co. $AUB
Feb -14
Principal Financial Group Inc. Sells 18,280 Shares of Atlantic Union Bankshares Co. $AUB
Feb -08
AUB Group Limited (AUBBF) M&A Call Transcript
Jan -27
Atlantic Union Bankshares: Improvement Continues, Still A Buy
Jan -22
Atlantic Union Bankshares Corporation (AUB) Q4 2025 Earnings Call Transcript
Jan -22
Atlantic Union (AUB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Jan -22
Atlantic Union (AUB) Q4 Earnings and Revenues Top Estimates
Jan -22
Atlantic Union Bankshares Reports Fourth Quarter and Full Year Financial Results
Jan -22
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.
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.
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.
Provides financial solutions to businesses, including cash management, lending, and treasury management services.
Offers personal banking services, including checking and savings accounts, credit cards, and personal loans.
Provides mortgage lending services to individuals and businesses, including residential and commercial mortgages.
Offers investment and wealth management services, including financial planning, investment management, and trust services.
Provides credit card and debit card services to individuals and businesses.
Offers cash management and treasury services to businesses, including account management, payment processing, and fraud prevention.
The threat of substitutes for Atlantic Union Bankshares Corporation is medium due to the presence of alternative financial institutions and digital payment systems.
The bargaining power of customers is low due to the lack of concentration in the banking industry and the high switching costs for customers.
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.
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.
The intensity of rivalry is high due to the competitive nature of the banking industry, with many established players competing for market share.
| Value | |
|---|---|
| Debt Weight | 30.30% |
| Debt Cost | 8.63% |
| Equity Weight | 69.70% |
| Equity Cost | 8.63% |
| WACC | 8.63% |
| Leverage | 43.46% |
Value: 6.0
Growth: 5.9
Quality: 7.2
Yield: 6.0
Momentum: 5.5
Volatility: 7.0
1-Year Total Return ->
Value: 6.2
Growth: 6.3
Quality: 7.5
Yield: 6.0
Momentum: 5.0
Volatility: 6.3
1-Year Total Return ->
Value: 6.2
Growth: 5.2
Quality: 7.0
Yield: 8.0
Momentum: 2.5
Volatility: 6.7
1-Year Total Return ->
Value: 3.2
Growth: 7.8
Quality: 5.7
Yield: 2.0
Momentum: 7.0
Volatility: 7.3
1-Year Total Return ->
Value: 5.3
Growth: 5.4
Quality: 6.9
Yield: 5.0
Momentum: 2.5
Volatility: 7.7
1-Year Total Return ->
Value: 5.9
Growth: 5.8
Quality: 6.3
Yield: 4.0
Momentum: 3.5
Volatility: 7.0
1-Year Total Return ->