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AUB · Atlantic Union Bankshares Corp

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$41.36 -1.00 (-2.36%) At close · Aug 19
Market Cap
$6.05B
Shares
142.81M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$41.36 Open$42.44 Day$41.20–42.44 52W close$31.29–43.39 Avg vol 30d1.0M Short int7.5M · 5.2% float · 6.0d Short vol58% Last earningsJul 21, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 6

Up next

Next earnings call
Oct 20, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 6, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Neutral Sentiment Bullish Fundamentals Strong Quant / Vol Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +9%
      above
      Price vs 50-day avg −1%
      below
      RSI (14) 43
      neutral
      MACD trend Negative
      52-week position 83%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Neutral
      1-month return −2%
      trailing
      6-month return +5%
      trailing
      YTD return +17%
      this year
      Relative strength −7%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $42 › 200d $38 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +49 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      5.24% of float · ▼ -0.7% MoM · 6.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      449 holders — near 3-yr high, broad support
      Squeeze score 64
      elevated · 0–100
      Fundamentals
      Strong
      EPS growth −9%
      Y/Y
      Valuation P/E 12.7
      below peers
      Buyback $234.4M
      remaining
      Balance sheet $530.8M
      net debt
      Quant / Vol
      risk profile
      Low
      Volatility 28%
      annualized · 1-yr
      Max drawdown −19%
      past year
      ATR 2.0%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2026
      Year-end loan balances · 2026 $29B – $30B
      Annualized net charge-off ratio · 2026 0.1% – 0.15%
      Prior guidance period ended · from the 8-K filed Oct 23, 2025
      Net Interest Margin (FTE) · 4Q 2025 3.85% – 3.9%
      Adjusted Operating Noninterest Expense (excludes amortization of · 4Q 2025 $183M – $188M
      Net Interest Margin (FTE) · Full Year 2025 3.75% – 3.8%
      Amortization of intangible assets · 4Q 2025 $18M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 5 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +9% Bullish
      Price vs 50-day avg
      −1% Neutral
      RSI (14)
      43 Neutral
      MACD trend
      Negative Bearish
      52-week position
      83% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $42 › 200d $38 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +49 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      5.24% of float · ▼ -0.7% MoM · 6.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      449 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $31 Now $41 · 83% Range high $43
      vs 200-day avg +9% vs 50-day avg -1%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      % of originations held for sale that are refinances 11% Three Months Ended June 30, 2026 —
      Accruing past due loans as a percentage of total LHFI 0.28% Q2 2026 —
      Adjusted diluted operating earnings per common share non-GAAP $0.94 Q2 2026 —
      Adjusted operating earnings (non-GAAP) non-GAAP $136.99M Three Months Ended June 30, 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Net income (GAAP) 161.01M
      +0K Plus: Merger-related costs, net of tax
      +0K Plus: CECL Day 1 non-PCD loans and RUC provision expense, net of tax
      -3K Less: Gain (loss) on sale of securities, net of tax
      +0K Less: Gain on CRE loan sale, net of tax
      +0K Less: Gain on sale of equity interest in Cary Street Partners ("CSP"), net of tax
      -24.02M Less: Gain on sale of equity interest in Bearing Insurance, net of tax
      = Adjusted operating earnings (non-GAAP) 136.99M
      Adjusted operating earnings available to common shareholders non-GAAP $134M Q2 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Adjusted operating earnings (non-GAAP) 136.99M
      -2.97M Dividends on preferred stock
      = Adjusted operating earnings available to common shareholders 134.02M
      Adjusted Operating Earnings Per Share Available to Common Shareholders, Diluted non-GAAP $1.83 2026 YTD —
      Adjusted operating efficiency ratio (FTE) non-GAAP 48.64% six months ended June 30, 2026 —
      Adjusted operating EPS available to common shareholders, diluted non-GAAP $1.83 six months ended June 30, 2026 —
      Adjusted operating noninterest expense non-GAAP $184M Q2 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Noninterest expense (GAAP) 199.14M
      -15.14M Amortization of intangible assets
      +0K Merger-related costs
      = Adjusted operating noninterest expense 184M
      Adjusted operating noninterest income non-GAAP $57.9M Q2 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Total noninterest income 90.25M
      -4K Gain on sale of securities
      -32.35M Gain on sale of equity interest in Bearing Insurance
      = Adjusted operating noninterest income 57.89M
      Adjusted operating pre-tax pre-provision earnings (FTE) (non-GAAP) non-GAAP $188.44M Three Months Ended June 30, 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Net income (GAAP) 161.01M
      +11.74M Plus: Provision for credit losses
      +43.48M Plus: Income tax expense
      +0K Plus: Merger-related costs
      +4.56M Plus: FTE adjustment
      -4K Less: Gain (loss) on sale of securities
      +0K Less: Gain on CRE loan sale
      +0K Less: Gain on sale of equity interest in CSP
      -32.35M Less: Gain on sale of equity interest in Bearing Insurance
      = Adjusted operating pre-tax pre-provision earnings (FTE) (non-GAAP) 188.44M
      Adjusted operating pre-tax pre-provision earnings per common share, diluted (FTE) non-GAAP $1.3 Three Months Ended June 30, 2026 —
      Adjusted Operating Return on Assets (ROA) non-GAAP 1.44% 2026 YTD —
      Adjusted operating return on average equity (ROE) (non-GAAP) non-GAAP 10.72% Three Months Ended June 30, 2026 —
      Adjusted Operating Return on Tangible Common Equity (ROTCE) non-GAAP 19.86% 2026 YTD —
      Adjusted operating ROA (non-GAAP) non-GAAP 1.44% Six months ended June 30, 2026 —
      Adjusted operating ROTCE (non-GAAP) non-GAAP 19.86% Six months ended June 30, 2026 —
      Allowance for Credit Loss as a percentage of loans held for investment 1.15% Q2 2026 —
      Allowance for Credit Losses 331M Q2 2026 —
      Assets under management $16.52B As of June 30, 2026 —
      Average Cost of Deposits 1.93% Q2 2026 —
      Average NDFI Loan Size $2.2M At June 30, 2026 —
      Core deposits (% of total deposits) 92% Q2 2026 —
      Core net interest margin (FTE) non-GAAP 3.46% Q2 2026 —
      Cost of funds 1.94% Q2 2026 —
      CRE Concentration Ratio 274% Q2 2026 —
      Criticized Loans / Multifamily Loans 12.57% As of June 30, 2026 —
      Delinquencies / Multifamily Loans 1.19% As of June 30, 2026 —
      Earning asset yields 5.88% Q2 2026 —
      Efficiency ratio FTE non-GAAP 47.42% Q2 2026 —
      End of period full-time equivalent employees 3,073 As of June 30, 2026 —
      Investment yield (FTE) non-GAAP 4.05% Q2 2026 —
      Liquidity Coverage Ratio of Uninsured/Uncollateralized Deposits 134% At June 30, 2026 —
      Loan to Deposit Ratio 94.1% Q2 2026 —
      Loan yield (FTE) non-GAAP 6.23% Q2 2026 —
      Market Capitalization $6B as of July 20, 2026 —
      NDFI Loan Loss Reserve / Total NDFI Loans 0.86% At June 30, 2026 —
      NDFI Loans/ Total Loans 0.88% Q2 2026 —
      Net accretion income $39.9M Q2 2026 —
      Net charge-offs 2M Q2 2026 —
      Net charge-offs (annualized) as a percentage of total average LHFI 0.03% Q2 2026 —
      Net interest margin (FTE) non-GAAP 3.94% Q2 2026 —
      Nonaccrual loans $110.9M Q2 2026 —
      Nonperforming assets $112.7M Q2 2026 —
      NPL / Multifamily Loans 0.96% As of June 30, 2026 —
      Provision for Credit Losses 11M Q2 2026 —
      Quarterly average loan growth 6% Q2 2026 —
      Quarterly loan growth (since the end of Q1 2026) 10.4% Q2 2026 —
      ROTCE (non-GAAP) non-GAAP 21.06% Six months ended June 30, 2026 —
      Tangible book value per common share (non-GAAP) non-GAAP $20.77 As of June 30, 2026 —
      Tangible book value per common share, ex AOCI (non-GAAP) non-GAAP $22.72 As of June 30, 2026 —
      Tangible Book Value per share (non-GAAP) non-GAAP -$20.77 Q2 2026 —
      Total Liquidity Sources $13.3B At June 30, 2026 —
      Total Mortgage loan originations held for sale $110.85M Three Months Ended June 30, 2026 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      AUB
      Atlantic Union Bankshares Corp
      this stock
      		$6.05B +17.2% — 12.7 5.2%
      MFG
      Mizuho Financial Group Inc
      		 $131.93B +38.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.6% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -1.2% — — 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      		 $101.11B +18.1% +7.2% 14.0 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      449
      % held
      86.6%
      Net QoQ
      +851.4K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      351
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      7.5M
      Days to cover
      6.0d
      Change
      -53.6K sh
      View
      Short Volume
      Short vol %
      58%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      1
      Value
      $42
      As of
      Jul 23, 2026
      View
      Off-Exchange
      Off-exchange %
      35.1%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Net income (FY)
      $273.7M
      EPS diluted
      $2.03
      View
      Buybacks
      Authorized
      $250.0M
      Remaining
      $234.4M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 6, 2026
      This year
      27
      View
      Proposed Sales
      Value
      $74.7K
      Shares
      2.2K
      Filed
      May 10, 2024
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 21, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      AUB -2.5% -2.3% +4.7% -2.5% +17.2%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY -2.1% -5.2% -6.9% -5.5% +4.4%

      Capital returns

      Latest dividend
      $0.37 / share · ex Aug 7, 2026
      Raised 8.8%
      Paid (TTM)
      $1.48 / share · 4 payouts
      Dividend yield (TTM, derived)
      3.58%
      Buyback program · as of Aug 6, 2026
      Authorized
      $250.00M
      Spent (derived)
      $15.60M
      Remaining
      $234.40M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 883948 CUSIP 04911A107 13F (30d) 402 filings 395 filers Visit website Investor relations

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