olivLaw · US equity research
Atlantic Union Bankshares Corporation AUB
State Commercial Banks · SIC 6022 · Vertical: State Commercial Banks (SIC 6022)
Atlantic Union Bankshares is the Richmond, Virginia based bank holding company whose subsidiary Atlantic Union Bank serves commercial and retail clients across Virginia, Maryland, Washington, D.C. and North Carolina, and which says it is now the largest regional bank headquartered in the lower Mid-Atlantic. The Sandy Spring acquisition reshaped its footprint, and at year-end 2025 the bank held assets of 37.6 billion USD and deposits of 30.5 billion USD.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 05 Nov 2026, Atlantic Union Bankshares Corporation (AUB) stock was 39.21 USD (−2.39% on the day), with market capitalisation 5.5 bn USD, P/E 10.7 on diluted EPS of 3.68 USD over the last 12 months, dividend yield 3.77%, beta 1.10, 52-week range 31.29–43.39 USD. Latest reported quarter (Q3 2026): net income of 136.6 m USD (+48.3% YoY), diluted EPS 0.94 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 50.2
- neutral
- Bollinger (20, 2)
- 37.02 – 40.82
- in the upper half of the band · %B 0.58 · band width 9.7%
- SMA 50 / 200
- 39.10 / 39.08
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 0.26 / 0.14
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +2.8% | −5.9% | +8.8 pp | — |
| 3 months | −7.6% | −4.6% | −3.0 pp | — |
| 6 months | +3.7% | +0.2% | +3.4 pp | — |
| Year to date | +11.1% | +7.4% | +3.7 pp | — |
| 1 year | +19.5% | +8.2% | +11.3 pp | +23.8% |
| 3 years | +23.5% | +68.4% | −44.9 pp | +79.8% |
| 5 years | +6.5% | +56.5% | −50.0 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Sept 2026
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Pre-tax income | 71.3 m | 61.5 m | 17.5 m | 116.3 m | 141.7 m | 154.6 m | 204.5 m | 173.2 m |
| Income tax | 13.5 m | 11.7 m | -2.3 m | 24.1 m | 29.7 m | 32.4 m | 43.5 m | 36.5 m |
| Net income | 57.8 m | 49.8 m | 19.8 m | 92.1 m | 112.0 m | 122.2 m | 161.0 m | 136.6 m |
| Diluted EPS | 0.60 ≈ | 0.52 | 0.12 | 0.63 | 0.79 ≈ | 0.84 | 1.11 | 0.94 |
| Operating cash flow | 98.3 m | 62.0 m | 1.9 bn ≈ | 156.9 m ≈ | 114.5 m | 127.3 m | 150.2 m ≈ | 182.5 m ≈ |
| Dividends paid | 33.5 m | 33.5 m | 51.5 m ≈ | 51.4 m ≈ | 55.7 m | 55.7 m | 56.2 m ≈ | 55.8 m ≈ |
| Share repurchases | — | — | — | 0 ≈ | — | — | — | 62.5 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 3 percentile of its own 35-quarter history (min 10.3, median 15.0, max 24.9; quarters with earnings only).
Fiscal years
| Fiscal year | 2017 | 2018 | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Revenue YoY | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Net income | 72.9 m | 146.2 m | 193.5 m | 158.2 m | 263.9 m | 201.8 m | 209.1 m | 273.7 m |
| Net income YoY | −5.9% | +100.6% | +32.3% | −18.2% | +66.8% | unavailable | +3.6% | +30.9% |
| Diluted EPS | 1.67 | 2.22 | 2.41 | 1.93 | 3.26 | 2.53 | 2.24 | 2.03 |
| Diluted EPS YoY | −5.6% | +32.9% | +8.6% | −19.9% | +68.9% | unavailable | −11.5% | −9.4% |
| net % | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Free cash flow | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 966.5 m USD
- Financial debt
- 1.5 bn USD
- Net debt
- 530.8 m USD
- Equity
- 5.0 bn USD
- Total assets
- 37.6 bn USD
- Debt / equity
- 0.30x
- Current ratio
- unavailable
- ROE
- 6.7%
- ROA
- 0.9%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 537.9 m | 555.3 m | 551.3 m | 611.0 m | 698.5 m | 1.2 bn | SEC (XBRL)· 26 Feb 2026verified |
| Net fee income | 132.8 m | 131.5 m | 125.8 m | 90.9 m | 118.9 m | 219.4 m | SEC (XBRL)· 26 Feb 2026verified |
| Non-interest expense | 418.3 m | 413.3 m | 419.2 m | 430.4 m | 507.5 m | 895.6 m | SEC (XBRL)· 26 Feb 2026verified |
| Pre-tax income | 231.3 m | 186.3 m | 318.8 m | 239.9 m | 259.8 m | 337.0 m | SEC (XBRL)· 26 Feb 2026verified |
| Net income | 193.5 m | 158.2 m | 263.9 m | 201.8 m | 209.1 m | 273.7 m | SEC (XBRL)· 26 Feb 2026verified |
| Diluted EPS | 2.41 | 1.93 | 3.26 | 2.53 | 2.24 | 2.03 | SEC (XBRL)· 26 Feb 2026verified |
| Dividend per share | 0.96 | 1.00 | 1.09 | 1.22 | 1.30 | 1.39 | SEC (XBRL)· 26 Feb 2026verified |
Balance sheet · USD
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 436.0 m | 493.3 m | 802.5 m | 378.1 m | 354.1 m | 966.5 m | SEC (XBRL)· 26 Feb 2026verified |
| Loans | 12.6 bn | 13.9 bn | 13.1 bn | — | — | — | SEC (XBRL)· 25 Feb 2022verified |
| Total assets | 17.6 bn | 19.6 bn | 20.1 bn | 21.2 bn | 24.6 bn | 37.6 bn | SEC (XBRL)· 26 Feb 2026verified |
| Deposits | 13.3 bn | 15.7 bn | 16.6 bn | 16.8 bn | 20.4 bn | 30.5 bn | SEC (XBRL)· 26 Feb 2026verified |
| Short-term debt | 436.3 m | 350.9 m | 117.9 m | 920.8 m | 116.3 m | 725.4 m | SEC (XBRL)· 26 Feb 2026verified |
| Long-term debt | 1.1 bn | 489.8 m | 388.7 m | 391.0 m | 418.3 m | 771.9 m | SEC (XBRL)· 26 Feb 2026verified |
| Total liabilities | 15.0 bn | 16.9 bn | 17.4 bn | 18.6 bn | 21.4 bn | 32.6 bn | SEC (XBRL)· 26 Feb 2026verified |
| Equity | 2.5 bn † | 2.7 bn † | 2.7 bn † | 2.6 bn † | 3.1 bn † | 5.0 bn † | SEC (XBRL)· 26 Feb 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 78.3 m | 78.9 m | 84.3 m | 103.3 m | 123.9 m | 192.1 m | SEC (XBRL)· 26 Feb 2026verified |
| Share repurchases | 80.3 m | 49.9 m | 125.0 m | 0 | 0 | — | SEC (XBRL)· 27 Feb 2025verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 64 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
05 Nov 2026Source: olivLaw, closing series
Market cap: 5.5 bn USD
Key indicators
Coverage and freshness
Score by group
- Quality51
- Returns88
- Valuation79
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 18.27 – 54.15 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income36.38 – 38.02 (Mid 37.19)
- Justified P/B37.80 – 50.83 (Mid 43.36)
- Dividend discount (DDM)18.27 – 24.56 (Mid 20.95)
- Peers: P/E39.91 – 48.98 (Mid 44.48)34 companies used · median multiple 12.1x · quartiles 10.9x – 13.3xBFST, BNY, BOH, BOTJ, BSRR, CFG, CIVB, COLB, COSO, EWBC, FBP, FCCO, FITB, FUSB, GABC, GBFH, INBK, ISBA, JMSB, LKFN, MCB, MTB, MVBF, NTRS, OFG, PCB, PEBK, QCRH, RBB, STT, SYBT, TCBK, UBCP, WASH
- Peers: P/B40.72 – 54.15 (Mid 45.86)34 companies used · median multiple 1.3x · quartiles 1.1x – 1.5xBFST, BOH, BOTJ, BSRR, CBFV, CFG, CIVB, COLB, COSO, EWBC, FBP, FCCO, FITB, FUSB, GABC, GBFH, INBK, ISBA, JMSB, LKFN, MCB, MTB, MVBF, OFG, PCB, PEBK, QCRH, RBB, STT, SYBT, TCBK, UBCP, UCB, WASH
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 64/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 10.7% | 39 (vs peers) | 24% |
| ROA · Quality | 1.4% | 72 (on a fixed band) | 9% |
| Cost-to-income · Quality | 55.2% | 39 (on a fixed band) | 15% |
| Net interest margin · Quality | 3.4% | 77 (on a fixed band) | 9% |
| EPS CAGR 3Y · Growth | unavailable | unavailable | — |
| Revenue CAGR 3Y · Growth | unavailable | unavailable | — |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | unavailable | unavailable | — |
| P/B · Valuation | 1.1x | 78 (vs peers) | 15% |
| P/E (TTM) · Valuation | 10.7x | 81 (vs peers) | 15% |
| Dividend yield · Returns | 3.8% | 88 (vs peers) | 12% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partialunavailable · 0/3 factors with a value
- Growth· partialunavailable · 0/2 factors with a value
- Quality51/100 · 4/4 factors with a value
- Returns88/100 · 1/1 factors with a value
- Valuation79/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
ATLANTIC UNION BANKSHARES CORPORATION (AUB). Latest full fiscal year: 2025; data up to 2026-09-30.
Figures computed from the financial statements: net interest income 1.2 bn USD in 2025; ROE 10.7%.
The estimated value range is 37.80–48.98 USD per share (median of 5 methods, agreement: high); assumptions are illustrative. Against the central value of 43.36 USD, the price of 39.21 USD leaves a potential of 10.6% (value / price − 1) and a margin of safety of 9.6% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 64/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance, growth. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROA: 1.4%
- Net interest margin: 3.4%
- P/B: 1.1x
- P/E (TTM): 10.7x
- Dividend yield: 3.8%
What contradicts it
No signal among the computed factors. That is not an absence of risk: factors without data were not assessed, and business risks (margins, inventory, demand) are in the source-based analysis.
Not assessed (insufficient data or a ratio without meaning): EPS CAGR 3Y, Revenue CAGR 3Y, NPL ratio, Cost of risk, Loan-to-deposit.
Versus the vertical median
State Commercial Banks (SIC 6022) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| BNYThe Bank Of New York Mellon Corporation | 99.2 bn | 16.2 | 15.0% | 32.6% | +7.8% | +32% / +205% |
| FITBFifth Third Bancorp | 48.3 bn | 18.0 | 9.4% | — | −2.0% | +23% / +85% |
| STTState Street Corporation | 45.0 bn | 13.3 | 13.1% | 23.8% | +7.3% | +39% / +127% |
| MTBM&T Bank Corporation | 31.5 bn | 11.3 | 10.6% | 175.6% | +7.5% | +16% / +71% |
| NTRSNorthern Trust Corporation | 31.0 bn | 13.2 | 18.4% | 28.8% | −2.5% | +30% / +116% |
| CFGCitizens Financial Group Inc | 26.8 bn | 12.6 | 8.9% | 25.4% | +5.6% | +18% / +134% |
| EWBCEast West Bancorp, Inc. | 17.7 bn | 12.4 | 16.6% | — | +4.4% | +21% / +105% |
| COLBColumbia Banking System, Inc. | 8.4 bn | 10.5 | 11.2% | 471.8% | +18.8% | +10% / +36% |
| AUBAtlantic Union Bankshares Corporation | 5.5 bn | 10.7 | 10.7% | — | unavailable | +20% / +23% |
| UCBUnited Community Banks, Inc. | 4.4 bn | 31.1 | 4.1% | 17.8% | +11.7% | +21% / +50% |
| FBPFirst Bancorp | 4.0 bn | 10.9 | 19.5% | 29.0% | +2.4% | +31% / +73% |
| BOHBank Of Hawaii Corporation | 2.7 bn | 12.1 | 13.6% | 202.1% | −0.1% | +7% / +20% |
| SYBTStock Yards Bancorp, Inc. | 2.5 bn | 15.3 | 13.6% | — | +3.4% | +20% / +80% |
| OFGOFG Bancorp | 2.1 bn | 9.6 | 16.6% | — | unavailable | +28% / +51% |
| GABCGerman American Bancorp, Inc. | 1.9 bn | 13.3 | 12.5% | 28.2% | +37.8% | +27% / +75% |
| TCBKTriCo Bancshares | 1.7 bn | 12.6 | 10.4% | 249.7% | +4.1% | +9% / +52% |
| QCRHQcr Holdings, Inc. | 1.7 bn | 12.0 | 12.9% | — | +46.3% | +24% / +104% |
| LKFNLakeland Financial Corporation | 1.5 bn | 13.7 | 15.4% | — | −2.1% | +5% / +10% |
| MCBMetropolitan Bank Holding Corp. | 1.2 bn | 12.0 | 10.2% | 860.0% | −53.8% | +27% / +144% |
| BFSTBusiness First Bancshares, Inc. | 1.0 bn | 11.4 | 10.1% | 768.0% | +1.2% | +24% / +60% |
| WASHWashington Trust Bancorp Inc | 738.3 m | 11.6 | 12.0% | 26.4% | +127.6% | +36% / +45% |
| CIVBCivista Bancshares, Inc. | 583.3 m | 10.1 | 11.0% | 302.4% | −0.5% | +24% / +80% |
| BSRRSierra Bancorp | 544.1 m | 10.8 | 14.0% | — | unavailable | +35% / +124% |
| RBBRBB Bancorp | 434.7 m | 10.6 | 7.9% | 720.3% | −2.4% | +30% / +68% |
| PCBPcb Bancorp | 424.1 m | 10.1 | 10.8% | 1,323.5% | +4.5% | +39% / +95% |
1- and 3-year price returns: for AUB from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 20 Oct 2026; since then the company filed 10-Q (03 Nov 2026).
In brief
Atlantic Union Bankshares is the Richmond, Virginia based bank holding company whose subsidiary Atlantic Union Bank serves commercial and retail clients across Virginia, Maryland, Washington, D.C. and North Carolina, and which says it is now the largest regional bank headquartered in the lower Mid-Atlantic. The Sandy Spring acquisition reshaped its footprint, and at year-end 2025 the bank held assets of 37.6 billion USD and deposits of 30.5 billion USD 1.
SWOT
Strengths
- The deposit franchise is solid, and its leading regional position in Virginia is recognized in the market data the company cites 1.
- The community banking model combined with digital investment gives it an advantage over larger banks, according to the company 1.
- Credit quality in the third quarter of 2026 showed very low net charge-offs and a low level of nonperforming assets 3.
Weaknesses
- Net interest margin declined in the third quarter as the cost of funds rose 3.
- Heavy exposure to commercial real estate and construction loans increases sensitivity to falls in property values 1.
- Integrating several acquisitions, including Sandy Spring, demands management resources and could delay promised benefits 1.
Opportunities
- The North Carolina expansion with new branches and commercial, wealth and mortgage teams could open new revenue sources 1.
- The share repurchase program and subordinated debt issuance show flexibility in managing capital 3.
- Growth in treasury management and capital market fee income could reduce reliance on net interest margin 1.
Risks
- Commercial real estate exposurehigh
The loan book is heavily exposed to commercial properties whose cash flows depend on tenants and can be hit by local economic slowdowns 1.
- Adequacy of loan loss reserveshigh
Models and assumptions used for the allowance for credit losses could prove inaccurate if the economy deteriorates quickly, which would reduce earnings and capital 1.
- Cost of fundsmedium
Higher deposit and borrowing costs could further compress net interest margin 3.
- Acquisition integrationmedium
Integrating several banks and acquired branches carries operational risk and could delay expected cost savings 1.
- Cyber and technology risklow
The company flags cyber threats and risks linked to artificial intelligence, which could raise the likelihood of incidents 2.
Investment thesis
What would need to be true (bull case)
- If the Sandy Spring synergies materialize and the North Carolina expansion gains traction, revenue and operating efficiency could improve 13.
- Credit quality remains good, with very low net charge-offs in the third quarter, which could support steady earnings if the economy holds up 3.
- The share repurchase program and refinancing of subordinated debt show disciplined capital management that could support shareholder value 3.
What would break the thesis
- If the cost of funds keeps rising, net interest margin could fall further, limiting growth in interest income 3.
- Heavy exposure to commercial real estate could produce larger losses if property markets in its footprint weaken 1.
- Integrating several acquisitions while entering new markets could slow progress or absorb resources without delivering the expected gains 12.
What to watch
- Trajectory of net interest margin and cost of fundsQ4 2026
- Level of nonperforming loans and accruing past due loansQ4 2026
- Progress of the share repurchase program, which runs to May 20272027
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 20 Oct 2026; since then the company filed 10-Q (03 Nov 2026).
The business
Atlantic Union Bankshares Corporation is a financial and bank holding company organized under Virginia law and registered under the BHCA, headquartered in Richmond, Virginia 1. Its main operating unit is Atlantic Union Bank, which offers checking, savings, certificates of deposit, commercial real estate, commercial and industrial, residential mortgage and consumer loans. The group also includes non-bank affiliates providing equipment financing, investment services and capital market services 1.
At September 30, 2026, nonperforming assets were 0.37% of loans held for investment, and net interest income for the third quarter of 2026 was 328.4 million USD, up from the prior quarter, supported by loan growth and accretion income 3. In May 2026 the board authorized a share repurchase program, of which part has already been used 3.
Segments
Wholesale Banking
The Wholesale Banking segment provides lending, leasing, deposit, treasury management and capital market services to wholesale customers in Virginia, Maryland, Washington, D.C., North Carolina and South Carolina, including commercial real estate and commercial and industrial borrowers. It also contains the equipment finance subsidiary, which has nationwide exposure, and the wealth management business 1.
Consumer Banking
The Consumer Banking segment serves consumers and small businesses in Virginia, Maryland, Washington, D.C. and North Carolina with loan, deposit and retail brokerage services. It includes the Atlantic Union Home Loans division, which originates mainly loans intended for sale into secondary mortgage markets, and investment management and advisory businesses 1.
Market context
The company operates in banking markets centered on Virginia, Maryland, Washington, D.C. and North Carolina, where its deposit market share as of June 30, 2025 was 6.3% in Virginia and 4.8% in Maryland, based on FDIC data cited in its filing 1. Competition comes from large national and regional banks, credit unions, independent community banks and fintech companies, many of which are not subject to the same federal regulation 1.
Commercial real estate lending is the most exposed area, because regulators have flagged weaknesses in that market and banks with large CRE books can face tighter scrutiny 1. Loan demand in the third quarter of 2026 remained healthy according to the company's release 3.
Trends
- Integration of Sandy Springmixed
Integrating the Sandy Spring acquisition, completed in October 2025, extends the presence in Northern Virginia and Maryland and could bring cost and scale benefits if the expected synergies materialize 1.
- Improving asset qualitytailwind
Nonperforming loans and net charge-offs fell sharply from a year earlier, which suggests good portfolio quality, although accruing past due loans rose in the third quarter 3.
- Tighter scrutiny of CRE lendingheadwind
Regulators are reviewing commercial real estate lending more closely, which could lead to stricter risk management, higher reserves and extra capital requirements if exposure grows 1.
Competitive position
Atlantic Union competes with large national and regional banks as well as credit unions, community banks and fintech companies, and the company argues that its community banking model and digital investments give it a competitive edge 1. Credit unions can offer more attractive loan and deposit pricing because of their favorable tax status 1.
Non-bank competition is intensifying, since firms not subject to the same regulation can offer larger lending limits and products the bank does not provide 1. Its position in Virginia and Maryland therefore depends on keeping its deposit base stable.
- Large national and regional banks
Named in the filing as the main rivals in lending and deposit markets, without being identified individually in the sources provided.
- Credit unions
Can offer deposits and loans at potentially more attractive pricing because of their favorable tax status.
- Independent community banks
Compete in the same local markets with close customer relationships.
- Fintech companies
Compete mainly through digital services and electronic payments.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
- Atlantic Union ( AUB ) Q3 2026 Earnings Call TranscriptSurge — GDELT DOC · 20 Oct 2026 · RO
- Atlantic Union Bankshares Co . ( NYSE : AUB ) Receives Average Rating of Moderate Buy from AnalystsSurge — GDELT DOC · 13 Sept 2026 · RO
The latest news item in our archive is from 20 Oct 2026; the newest SEC filing is from 03 Nov 2026. The press archive comes from the RSS feeds we follow and does not necessarily cover the latest event — the filings alongside do.
SEC filings
- Quarterly report03 Nov 2026
- Current report29 Oct 2026Other events · Financial statements and exhibits
- Current report27 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Current report20 Oct 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report29 Sept 2026Other events · Financial statements and exhibits
- Quarterly report06 Aug 2026
- Current report06 Aug 2026Regulation FD disclosure · Financial statements and exhibits
- Current report30 Jul 2026Material agreement · Financial statements and exhibits
- Current report28 Jul 2026Material agreement · Financial statements and exhibits
- Current report27 Jul 2026Other events · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Atlantic Union Bankshares Corporation · 26 Feb 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Atlantic Union Bankshares Corporation · 06 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Atlantic Union Bankshares Corporation · 20 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.