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Atlantic Union Bankshares Corp

AUB

$41.78 ▼ -0.64 (-1.51%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Atlantic Union Bankshares Corp shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $5.4B

Dividend Yield 3.33%

Revenue Growth 68.1% ↗

Op. Margin 24.5% ↘

ROIC None

FCF / Share None

Trailing P/E 20.6x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.30

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.37B

↑ +68.1% —

Net Income Profit after all expenses

$273.71M

↑ +30.9% —

Operating Margin Operating profit as % of sales

24.5%

↓ -22.9% 81th

Long-Term Debt Long-term obligations

$771.86M

↑ +84.5% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.39 Latest / share

+6.9% YoY

+8.3% 12-yr CAGR

$0.58

FY 2014

$0.68

FY 2015

$0.77

FY 2016

$0.81

FY 2017

$0.88

FY 2018

$0.96

FY 2019

$1.00

FY 2020

$1.09

FY 2021

$1.16

FY 2022

$1.22

FY 2023

$1.30

FY 2024

$1.39

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	68.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1036%)	16.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+174%)	-0.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-102%)	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	-1.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-124%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	26.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+339%)	55.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+825%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-97%)	66.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1003%)	-2.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-143%)	3.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	-4.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-180%)	76.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1172%)	—	—
EPS Growth YoY (%)	-11.4% Weak → Weak Stable Year-over-year change in earnings per share Optimal: > 10%	-9.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	68.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-19.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	32.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-5.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	31.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	28.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	28.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	336.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	30.9% Excellent ↑ Excellent Improving Year-over-year change in net income	3.6% Caution ↓ Caution Declining Year-over-year change in net income	-13.9% Weak ↓ Weak Declining Year-over-year change in net income	-11.1% Weak ↓ Weak Declining Year-over-year change in net income	66.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.2% Weak ↓ Weak Declining Year-over-year change in net income	32.3% Excellent ↓ Excellent Declining Year-over-year change in net income	100.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.9% Weak ↓ Weak Declining Year-over-year change in net income	15.5% Good ↓ Good Declining Year-over-year change in net income	28.6% Excellent ↑ Excellent Improving Year-over-year change in net income	51.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.6% Weak ↓ Weak Declining Year-over-year change in net income	16.3% Good ↓ Good Declining Year-over-year change in net income	32.8% Excellent Excellent Year-over-year change in net income	174.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	25.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	8.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	26.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	25.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	20.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	-1.4% Weak Weak Compound annual revenue growth over 3 years	20.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	14.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	4.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	15.5% Excellent → Excellent Stable Compound annual revenue growth over 5 years	15.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	16.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	22.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	9.8% Good Good Compound annual revenue growth over 5 years	22.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-11.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-11.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	7.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	13.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	4.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	14.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	13.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	8.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	1.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	18.5% Excellent Excellent Compound annual EPS growth over 3 years	93.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	24.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	31.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	34.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	39.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	47.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	27.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	34.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	33.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	30.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	31.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	28.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	22.2% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	24.7% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—
Effective Tax Rate (%) (%)	18.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.6% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	19.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	25.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	28.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	33.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	39.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	23.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	27.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	21.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	18.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	18.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	16.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	11.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	7.4% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	5.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	7.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	7.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	6.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	5.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	7.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.51x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.72x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.60x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-50%)	0.91x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	1.17x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.99x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	0.68x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	0.70x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	1.06x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-12%)	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.67	$9.49	$9.36	$9.38	$8.75	$8.71	$8.36	$8.06	$7.81	$7.68	$7.03	$6.87	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$2.03	$2.29	$2.53	$2.97	$3.26	$1.93	$2.41	$2.22	$1.67	$1.77	$1.49	$1.13	$1.38	$1.37	$1.07	$0.83	$0.19	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.39	$1.30	$1.22	$1.16	$1.09	$1.00	$0.96	$0.88	$0.81	$0.77	$0.68	$0.58	—	$0.37	$0.28	$0.25	$0.30	—
Book Value per Share (USD)	$35.31	$35.01	$34.07	$31.76	$35.82	$34.40	$31.41	$29.17	$23.92	$22.95	$22.23	$21.64	$17.55	—	—	—	—	—
Tangible Book Value per Share (USD)	$20.86	$20.54	$21.49	$19.02	$22.88	$21.79	$18.80	$17.41	$16.76	$15.64	$15.67	$15.14	$15.17	—	—	—	—	—
Basic Weighted Avg Shares (shares)	128.78M	86.15M	74.96M	74.95M	77.40M	78.86M	80.20M	65.86M	43.70M	43.78M	45.05M	46.04M	—	—	—	—	—	—
Dividend Payout Ratio (%)	68.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	56.8% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	48.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	51.8% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	39.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	43.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	51.3% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	27.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	26.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	30.1% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	157.9% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$771.86M	$418.30M	$391.02M	$389.86M	$388.72M	$489.83M	$1.08B	$668.48M	$425.26M	$413.31M	$291.20M	$299.54M	$199.36M	$136.81M	$155.38M	$154.89M	—	—
Total Equity (USD)	$5.01B	$3.14B	$2.56B	$2.37B	$2.71B	$2.71B	$2.51B	$1.92B	$1.05B	$1.00B	$995.37M	$977.17M	$438.24M	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.37B	$817.42M	$701.89M	$702.78M	$677.07M	$686.78M	$670.69M	$530.93M	$341.44M	$336.06M	$316.84M	$316.31M	$190.35M	$195.42M	$189.32M	$198.87M	$112.78M	—
Depreciation Expense (USD)	$17.74M	$12.75M	$12.91M	$14.16M	$15.88M	$15.22M	$15.03M	$13.72M	$11.18M	$10.21M	$10.78M	$10.74M	—	—	—	—	—	—
Net Income, GAAP (USD)	$273.71M	$209.13M	$201.82M	$234.51M	$263.92M	$158.23M	$193.53M	$146.25M	$72.92M	$77.48M	$67.08M	$52.16M	$34.50M	$35.41M	$30.45M	$22.92M	$8.36M	—
Operating Cash Flow (USD)	$2.24B	$308.46M	$263.97M	$403.96M	$337.79M	$231.92M	$194.80M	$216.76M	$110.33M	$93.84M	$110.92M	$125.18M	$157.03M	$-31.69M	$71.05M	$45.69M	$1.13M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.8%	2.9%	2.9%	2.7%	2.8%	3.1%	3.1%	3.0%	3.1%	3.3%	3.5%	3.6%	3.8%	4.0%	4.0%	—	—
Efficiency Ratio (%) (%)	65.2%	62.1%	61.3%	57.5%	61.9%	60.2%	62.4%	63.6%	66.1%	66.3%	68.5%	75.3%	72.1%	68.3%	69.1%	71.9%	75.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

Atlantic Union Bankshares Corp

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