Atlantic Union Financials

AUB Stock  USD 32.70  0.69  2.16%   
Based on the analysis of Atlantic Union's profitability, liquidity, and operating efficiency, Atlantic Union Bankshares is performing exceptionally good at this time. It has a great probability to report excellent financial results in April. At present, Atlantic Union's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 3.3 B, whereas Short and Long Term Debt Total is forecasted to decline to about 57 M. Key indicators impacting Atlantic Union's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.310.2558
Fairly Up
Slightly volatile
Return On Assets0.01080.0085
Significantly Up
Pretty Stable
Return On Equity0.10.0665
Way Up
Very volatile
Debt Equity Ratio0.01810.0191
Notably Down
Slightly volatile
Operating Income13 M13.7 M
Notably Down
Slightly volatile
Current Ratio46.1843.9767
Sufficiently Up
Very volatile
Investors should never underestimate Atlantic Union's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Atlantic Union's cash flow, debt, and profitability to make informed and accurate decisions about investing in Atlantic Union Bankshares.

Net Income

219.59 Million

  
Understanding current and past Atlantic Union Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Atlantic Union's financial statements are interrelated, with each one affecting the others. For example, an increase in Atlantic Union's assets may result in an increase in income on the income statement.
Please note, the presentation of Atlantic Union's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Atlantic Union's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Atlantic Union's management manipulating its earnings.

Atlantic Union Stock Summary

Atlantic Union competes with Home Bancorp, Community West, First Community, Great Southern, and Affinity Bancshares. Atlantic Union Bankshares Corporation operates as the holding company for Atlantic Union Bank that provides banking and related financial services to consumers and businesses. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Richmond, Virginia. Atlantic Union operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1890 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS04911A1079
CUSIP04911A107 90539J109 90662P104 905399101
LocationVirginia; U.S.A
Business Address4300 Cox Road,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.atlanticunionbank.com
Phone804 633 5031
CurrencyUSD - US Dollar

Atlantic Union Key Financial Ratios

Atlantic Union Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets19.6B20.1B20.5B21.2B24.6B25.8B
Net Debt248.5M(411.0M)1.2B746.7M(136.4M)(129.6M)
Retained Earnings616.1M783.8M919.5M1.0B1.1B1.2B
Cash491.3M799.7M318.5M364.4M196.4M162.1M
Other Assets12.4B10.6B12.7B14.6B20.5B21.6B
Total Liab16.9B388.7M18.1B18.6B21.4B22.5B
Total Current Assets3.0B4.3B3.1B2.4B2.6B2.9B
Short Term Debt100M130.4M1.2B720M60M57M
Common Stock104.2M100.1M98.9M99.1M118.5M124.4M
Other Current Liab(100M)13.6B(1.2B)90M(60M)(57M)
Other Current Assets569.1M867.5M401.9M469.5M539.9M512.9M
Intangible Assets57.2M43.3M26.8M19.2M84.6M88.8M
Net Tangible Assets1.5B1.7B1.7B1.4B1.6B1.0B
Long Term Debt489.8M388.7M389.9M391.0M418.3M460.8M
Long Term Debt Total1.1B489.8M388.7M389.9M448.3M463.5M
Capital Surpluse1.8B1.9B1.8B1.8B2.0B1.1B
Other Liab110.1M356.5M237.1M156.0M179.4M152.7M
Accounts Payable13.3B15.7B16.6B15.9B18.3B12.5B
Inventory4.7M2.8M1.7M76K68.4K65.0K

Atlantic Union Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense98.2M41.1M76.2M343.4M529.0M555.4M
Total Revenue686.8M677.1M696.2M696.3M817.4M858.3M
Gross Profit686.8M677.1M696.2M696.3M1.2B1.3B
Operating Income186.3M318.8M390.7M233.1M13.7M13.0M
Ebit197.6M339.7M300.4M239.9M275.9M289.7M
Ebitda229.4M369.5M325.4M261.6M13.7M13.0M
Income Before Tax186.3M318.8M280.0M239.9M259.8M272.8M
Net Income158.2M263.9M234.5M201.8M209.1M219.6M
Income Tax Expense28.1M54.8M45.4M38.1M50.7M53.2M
Tax Provision28.1M54.8M45.4M38.1M50.7M40.5M
Net Interest Income555.3M551.3M584.3M611.0M698.5M523.8M
Interest Income653.5M592.4M660.4M954.5M1.2B684.0M

Atlantic Union Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash57.3M309.2M(482.6M)58.2M(17.1M)(16.3M)
Free Cash Flow202.3M328.4M401.1M258.9M114.8M84.6M
Depreciation43.1M50.7M45.4M41.0M1.1M1.0M
Other Non Cash Items52.9M22.5M19.5M37.2M(113.6M)(107.9M)
Dividends Paid84.5M96.2M98.8M103.3M123.9M130.1M
Capital Expenditures29.6M9.4M2.9M5.1M7.4M12.1M
Net Income158.2M263.9M234.5M201.8M209.1M219.6M
End Period Cash Flow493.3M802.5M319.9M378.1M15.2M14.5M
Investments(990.5M)1.3B(1.1B)(771.2M)(295.7M)(310.5M)
Net Borrowings(542.8M)(705.0M)(350.8M)1.2B1.4B1.5B
Change To Netincome6.6M2.4M134.5M48.5M55.8M35.2M

Atlantic Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Atlantic Union's current stock value. Our valuation model uses many indicators to compare Atlantic Union value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Atlantic Union competition to find correlations between indicators driving Atlantic Union's intrinsic value. More Info.
Atlantic Union Bankshares is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Atlantic Union Bankshares is roughly  8.07 . At present, Atlantic Union's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Atlantic Union's earnings, one of the primary drivers of an investment's value.

Atlantic Union Bankshares Systematic Risk

Atlantic Union's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Atlantic Union volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Atlantic Union Bankshares correlated with the market. If Beta is less than 0 Atlantic Union generally moves in the opposite direction as compared to the market. If Atlantic Union Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Atlantic Union Bankshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Atlantic Union is generally in the same direction as the market. If Beta > 1 Atlantic Union moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Atlantic Union Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Atlantic Union's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Atlantic Union growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(3.75)

At present, Atlantic Union's Price Earnings To Growth Ratio is projected to drop based on the last few years of reporting.

Atlantic Union March 25, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Atlantic Union help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Atlantic Union Bankshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Atlantic Union Bankshares based on widely used predictive technical indicators. In general, we focus on analyzing Atlantic Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Atlantic Union's daily price indicators and compare them against related drivers.

Complementary Tools for Atlantic Stock analysis

When running Atlantic Union's price analysis, check to measure Atlantic Union's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Atlantic Union is operating at the current time. Most of Atlantic Union's value examination focuses on studying past and present price action to predict the probability of Atlantic Union's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Atlantic Union's price. Additionally, you may evaluate how the addition of Atlantic Union to your portfolios can decrease your overall portfolio volatility.
Cryptocurrency Center
Build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency
USA ETFs
Find actively traded Exchange Traded Funds (ETF) in USA
Premium Stories
Follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope
Bollinger Bands
Use Bollinger Bands indicator to analyze target price for a given investing horizon
Portfolio Analyzer
Portfolio analysis module that provides access to portfolio diagnostics and optimization engine
My Watchlist Analysis
Analyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like
Alpha Finder
Use alpha and beta coefficients to find investment opportunities after accounting for the risk
Equity Analysis
Research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities
Share Portfolio
Track or share privately all of your investments from the convenience of any device