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ZYBERNO
Stock Report
Updated Aug 30, 2026

ATLANTIC UNION BANKSHARES CORPORATION (AUB)

Financial Services • NYSE

$40.66
Atlantic Union Bankshares Corporation is an American bank holding company headquartered in Richmond, Virginia, that operates Atlantic Union Bank, a regional bank serving Virginia, Maryland, and North Carolina. Following multiple acquisitions including American National Bankshares (2023) and Sandy Spring Bancorp (2024), the company has become one of the largest banking institutions headquartered in Virginia.

Professional Investment Analysis

ZYBERNO SCORE →
Is it a great business? Is it getting better?
46.0/100
WEAK BUSINESS
ATLANTIC UNION BANKSHARES CORPORATION (AUB) scores 46/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.
📊 How is the Zyberno Score calculated? +
VALUATION SIGNAL
⚠
Business Model Limitation
ATLANTIC UNION BANKSHARES CORPORATION operates in the Banking industry. Owner Earnings-based DCF analysis — the foundation of both the Margin of Safety and the Brina Gap — is not well-suited to companies whose business model is structurally built around leverage: banks, insurers, mortgage companies, and REITs. These businesses are typically valued using sector-specific metrics such as Price-to-Book, Price-to-FFO, or Net Asset Value. Treat these signals as directional only.
MARGIN OF SAFETY
Is this stock cheap or expensive relative to what the business has historically generated for owners?
Margin of Safety unavailable — insufficient data for the owner-earnings DCF.
Is the market underestimating or overestimating what this business is capable of going forward?
-2.2%
Fairly Priced
💰 How is Margin of Safety calculated? +
📈 How is Brina Gap calculated? +

Critical Financial Health Indicators

Return on Equity (Profitability):POOR (9.7%)
Debt-to-Equity (Solvency Risk):EXCELLENT (0.18x)
Operating Margin (Operational Efficiency):EXCELLENT (31.4%)
Return on Capital (Capital Efficiency):POOR (8.0%)
📊 Valuation Trilogy
Three interconnected metrics for complete valuation analysis
💎
Intrinsic Value
DCF Fair Value
🛡️
Margin of Safety
Valuation Gap
🎯
Expected Return
Projected Annual
Click any metric for full methodology and detailed analysis
Zyberno's Verdict

ATLANTIC UNION BANKSHARES CORPORATION (AUB) stock report — Zyberno Score 46/100 (WEAK BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, ATLANTIC UNION BANKSHARES CORPORATION (AUB) shows a Brina Gap of -2.2%, which weakens the case: based on the company's ROIC (8.0%) and reinvestment rate (0.5%), the business can fundamentally grow at 0.0% — but the current enterprise value implies the market expects 2.3%.

Over the trailing twelve months, AUB generated $2.24B in Owner Earnings. Capital was deployed as follows: $207.19M paid as dividends, $65.88M invested in capital expenditures. Reinvestment rate: 0.5%.

DIVISION I: EXECUTIVE SUMMARY
A. Market Valuation

Market Price & Capitalization (2)

Current Price:40.66
Market Cap:$5.78B

Valuation Multiples (4)

P/E Ratio:
12.17x
📊 Click to view full AUB P/E analysis →
P/B Ratio:1.12x
P/S Ratio:2.94x
Peg Ratio:0.18x

Enterprise Metrics (3)

Enterprise Value:$6.67B
Ev Ebitda Ratio:8.95x
Pfcf Ratio:2.66x

Price Action & Momentum (3)

12-1 Momentum:
+38.8% (77th pctile)
📈 Click to view full AUB Momentum analysis →
Momentum Percentile:77 / 100
% of 52-Week High:93.2%
B. Profitability Assessment

Return Metrics (7)

ROE:
9.7%
📊 Click to view full AUB ROE analysis →
ROA:1.3%
Roic:
8.0%
📊 Click to view full AUB ROIC analysis →
Reinvestment Rate:0.5%
Fundamental Growth Rate (g):0.0%
Market-Implied Growth Rate:2.3%
Brina Gap:
-2.2%
☷ Click to view full AUB Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:31.4%
Net Margin Ttm:24.8%
Ebitda Margin:37.9%

TTM Performance (2)

Operating Margin Ttm:31.4%
Net Margin Ttm:24.8%

Yield Metrics (3)

Earnings Yield:$8.21
Owner Earnings Yield:$38.71
Dividend Yield:3.6%
C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):
+4.00
📊 Click to view full AUB Earnings Surprise analysis →
EPS Surprise vs Expected:1,457.9%
Latest Earnings Filed:2026-08-06

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):33.7%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):21.8%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):29.8%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):22.5%
D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.02x
Quick Ratio:0.02x
Cash Ratio:0.03x

Leverage Analysis (3)

Debt To Equity Ttm:0.18x
Debt-to-Equity Ratio:0.18x
Debt To Ebitda:2.53x

Coverage Ratios (2)

Interest Coverage Ratio:0.26x
Times Interest Earned:0.26

Capital Structure (4)

Working Capital:-29,946,649,000.00
Cash And Cash Equivalents:990,297,000.00
Long Term Debt:$775.68M
Net Debt:$891.04M
DIVISION II: FINANCIAL STATEMENTS ANALYSIS
A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $1.96B
Linear Growth: 33.7%
📊 Click to view full AUB Revenue analysis & methodology →
Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00
Operating income TTM: $617.10M
Linear Growth: 22.5%
📊 Click to view full AUB Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $487.28M
Linear Growth: 21.8%
📊 Click to view full AUB Net Income analysis & methodology →
Income Before Tax:$617.10M
Ebitda Ttm:744,985,000.00

Operating Expenses (5)

Operating Expenses:890,634,000.00
R And D Expense:0.00
Sga Expense:0.00
Income Tax Expense:$129.82M
Interest Expense:1,286,869,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%
Sga To Revenue Percentage:0.0%
Ebitda Margin:37.9%
B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$38.10B
Current Assets:$521.61M
Ppe Net:163,241,000.00
Goodwill:1,754,875,000.00
Intangible Assets:$284.96M

Liability Structure (4)

Total Liabilities:32,946,454,000.00
Current Liabilities:30,468,257,000.00
Long Term Debt:$775.68M
Short Term Debt:$1.11B

Equity & Capital (3)

Equity:$5.15B
Retained Earnings:$1.36B
Common Stock:188,759,000.00

Working Capital Items (3)

Accounts Receivable:0.00
Inventory:0.00
Accounts Payable:0.00

Special Items (2)

Contract Liabilities:0.00
Stock Based Compensation:13,000.00
C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $2.30B
Linear Growth: 29.8%
$2.24B

Investment Activities (2)

Investing Cash Flow:$23.19M
Capital Expenditures Ttm:65,875,000.00

Financing Activities (3)

Financing Cash Flow:-$336.85M
Dividends Paid Ttm:207,193,000.00
Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00
Long Term Debt Issuance:$0.00
Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:127,885,000.00
DIVISION III: OPERATIONAL METRICS
A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):3.33
Eps diluted TTM: $3.34
Linear Growth: -1.5%
📊 Click to view full AUB EPS analysis & methodology →
Earnings Per Share Ttm:$3.43

Revenue & Cash Per Share (2)

Sales Per Share Ttm:13.82
Operating Cash Flow Per Share:$15.75

Book Value & Capital (2)

Book Value Per Share:$36.27
Cash Per Share:6.97

Dividend Policy (1)

Dividend Payout Ratio:37.05x
B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.05x
Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x
Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x
Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00
Cash Conversion Cycle:-999.00
C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00
Quality Score:90.00

Market Metrics (2)

Beta:0.00x
Volatility Category:unknown
DIVISION IV: INVESTMENT ANALYSIS
A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $2.24B
Linear Growth: 0.0%
📊 Click to view full AUB Owner Earnings analysis & methodology →
Owner Earnings Per Share:$15.74
Owner Earnings Yield:$38.71

Damodaran Growth Analysis (4)

Reinvestment Rate:0.5%
Fundamental Growth Rate (g):0.0%
Market-Implied Growth Rate:2.3%
Brina Gap:
-2.2%
☷ Click to view full AUB Brina Gap analysis →

Return Scenarios (1)

Forward Expected Return (Yield + Growth):
38.8%
📊 Click to view full AUB expected return analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued
B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):33.7%
Net Income Growth Rate (Linear):21.8%
Operating Income Growth Rate (Linear):22.5%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):29.8%

Other Growth Rates (1)

Book Value Growth Rate (Linear):23.8%
C. Company Profile & Context

Corporate Information (6)

Symbol:AUB
Company Name:ATLANTIC UNION BANKSHARES CORPORATION
Sector:Financial Services
Industry:Banking
Exchange:NYSE
Country:United States

Market Classification (3)

Market Cap Category:N/A
Price Category:medium
Volume Category:N/A

Share Structure (3)

Shares Outstanding:142.10M
Shares Outstanding Basic:142.10M
Shares Outstanding Diluted:142.32M

Data Processing Info (3)

Processing Version:v3.0
Last Updated:2026-08-30 03:31:04 UTC
Data Timestamp:2026-08-30T03:31:04.832009
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