📊 AUB-PA Key Takeaways
Investment Thesis
Atlantic Union Bankshares demonstrates solid financial health with strong revenue growth of 57.7% YoY and robust operating cash flow of $2.2B, supported by healthy leverage metrics and a conservative debt/equity ratio of 0.15x. However, profitability growth lags revenue expansion with net income rising only 4.5% YoY, and ROE of 5.5% reflects moderate shareholder returns typical of regional banks in the current interest rate environment.
AUB-PA Strengths
- Exceptional revenue growth of 57.7% YoY indicates strong business momentum and market expansion
- Excellent liquidity position with $966.5M cash and operating cash flow of $2.2B covering expenses
- Conservative capital structure with debt/equity ratio of 0.15x and manageable long-term debt of $771.9M
- Positive free cash flow of $2.2B provides capacity for dividends, share buybacks, or acquisitions
- Stable net margin of 15.0% reflects consistent operational profitability
AUB-PA Risks
- Significant profitability disconnect: net income growth of only 4.5% YoY versus 57.7% revenue growth suggests margin compression or integration challenges
- Diluted EPS declined 9.4% YoY despite net income growth, indicating substantial share dilution from recent acquisitions or capital raises
- Low ROE of 5.5% and ROA of 0.7% suggest inefficient capital deployment relative to equity base of $5.0B
- Interest coverage ratio of 2.9x provides limited cushion for rising interest rates or loan quality deterioration
- High insider trading activity (46 Form 4 filings in 90 days) may signal uncertainty among management regarding valuation or outlook
Key Metrics to Watch
- Net interest margin (NIM) trend to assess pricing power and deposit cost pressures
- Loan loss provisions and non-performing loan ratios to gauge asset quality deterioration
- Return on equity trajectory toward industry benchmarks of 10%+
- Cost-to-income ratio to evaluate operating leverage and efficiency gains
- Capital adequacy ratios and regulatory capital requirements
AUB-PA Financial Metrics
💡 AI Analyst Insight
The 122.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
AUB-PA Profitability Ratios
AUB-PA vs Finance Sector
How Atlantic Union Bankshares Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
AUB-PA Balance Sheet & Liquidity
AUB-PA 5-Year Financial Trend
5-Year Trend Summary: Atlantic Union Bankshares Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.53 reflects profitable operations.
AUB-PA Growth Metrics (YoY)
AUB-PA Capital Allocation
AUB-PA SEC Filings
Access official SEC EDGAR filings for Atlantic Union Bankshares Corp (CIK: 0000883948)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 17, 2026 | 4 | xslF345X05/form4-03172026_040347.xml | View → |
| Mar 3, 2026 | 4 | xslF345X05/form4-03032026_070342.xml | View → |
| Mar 3, 2026 | 4 | xslF345X05/form4-03032026_070352.xml | View → |
| Mar 3, 2026 | 4 | xslF345X05/form4-03032026_070320.xml | View → |
| Mar 3, 2026 | 4 | xslF345X05/form4-03032026_070348.xml | View → |
❓ Frequently Asked Questions about AUB-PA
What is the AI rating for AUB-PA?
Atlantic Union Bankshares Corp (AUB-PA) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are AUB-PA's key strengths?
Exceptional revenue growth of 57.7% YoY indicates strong business momentum and market expansion. Excellent liquidity position with $966.5M cash and operating cash flow of $2.2B covering expenses.
What are the risks of investing in AUB-PA?
Significant profitability disconnect: net income growth of only 4.5% YoY versus 57.7% revenue growth suggests margin compression or integration challenges. Diluted EPS declined 9.4% YoY despite net income growth, indicating substantial share dilution from recent acquisitions or capital raises.
What is AUB-PA's revenue and growth?
Atlantic Union Bankshares Corp reported revenue of $1.8B.
Does AUB-PA pay dividends?
Atlantic Union Bankshares Corp pays dividends, with $67.4M distributed to shareholders in the trailing twelve months.
Where can I find AUB-PA SEC filings?
Official SEC filings for Atlantic Union Bankshares Corp (CIK: 0000883948) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is AUB-PA's EPS?
Atlantic Union Bankshares Corp has a diluted EPS of $2.03.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.