Atlantic Union Bankshares Corporation Common Stock (AUB)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a regional bank with Graham's caution: the balance sheet is leveraged, so cheapness alone is not enough. Atlantic Union trades at $37.50 as of 2026-10-13, or 1.03 times book and 11.09 times earnings on FairStock's calculations. FairStock's 9.76% ROE is respectable but not exceptional; it suggests a competent lender, not a franchise with a wide moat. The 3.95% dividend and 0.79 beta make the shares look income-oriented and less volatile than the market. The earnings record is mixed. Filed net income rose from $201.8M in FY2023 to $209.1M in FY2024 and $273.7M in FY2025, but diluted EPS actually slipped from $2.53 to $2.24 to $2.03, so shareholders were diluted. Recent quarters are stronger: fiscal Q2 2026, ended 2026-06-30, showed net income of $161.0M and diluted EPS of $1.11, versus $19.8M and $0.12 in fiscal Q2 2025. Fiscal Q1 2026 had $122.2M and $0.84. FairStock gives it a 62/100 score and a Piotroski F-score of 5/9, which sounds average. FairStock's PEG of 0.12 looks cheap, but bank earnings can be cyclical and I cannot verify CET1, net interest margin, or credit quality from the data. The Lynch category is STALWART, steady growth, yet per-share consistency has been imperfect. At about book value with a near-4% yield, the price is not demanding, but I would want more evidence on credit and capital before calling it a bargain.

In plain English: Atlantic Union Bankshares is a bank that takes deposits and makes loans to people and businesses. Its recent quarters show much more profit than a year earlier, and the stock price looks modest next to the company's accounting value and earnings. Still, profit per share has slipped over the past few years and key details about loan safety and capital are missing, so it looks like a steady, reasonably priced bank rather than a standout.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer