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Upturn AI SWOT - About
AUB 
Atlantic Union Bankshares Corp (AUB)
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Upturn Advisory Summary
04/01/2025: AUB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -7.22% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.73B USD | Price to earnings Ratio 13.5 | 1Y Target Price 44.6 |
Price to earnings Ratio 13.5 | 1Y Target Price 44.6 | ||
Volume (30-day avg) 1533613 | Beta 0.9 | 52 Weeks Range 29.65 - 44.14 | Updated Date 04/1/2025 |
52 Weeks Range 29.65 - 44.14 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.37% | Basic EPS (TTM) 2.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.25% | Operating Margin (TTM) 44.33% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 7.34% |
Valuation
Trailing PE 13.5 | Forward PE 10.28 | Enterprise Value 3084596224 | Price to Sales(TTM) 3.55 |
Enterprise Value 3084596224 | Price to Sales(TTM) 3.55 | ||
Enterprise Value to Revenue 3.92 | Enterprise Value to EBITDA - | Shares Outstanding 90149400 | Shares Floating 88751439 |
Shares Outstanding 90149400 | Shares Floating 88751439 | ||
Percent Insiders 1.13 | Percent Institutions 94.57 |
Analyst Ratings
Rating 4.25 | Target Price 46 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Atlantic Union Bankshares Corp
Company Overview
History and Background
Atlantic Union Bankshares Corporation was founded in 2002 and is headquartered in Richmond, Virginia. It is a bank holding company, providing a wide range of financial services through its subsidiaries. It has grown through a combination of organic expansion and strategic acquisitions, building a significant presence in the Mid-Atlantic region.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
The leadership team includes John M. Asbury (President & CEO). The organizational structure consists of various departments led by senior executives, reporting to the CEO and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as expansion, working capital, and equipment purchases. While specific market share data is unavailable, competition includes national and regional banks like Bank of America (BAC) and Truist Financial (TFC).
- Mortgages: Residential mortgage loans for home purchases and refinancing. Competition includes large mortgage lenders like Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors are numerous including national banks like JP Morgan Chase (JPM) and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Consolidation and competition are intensifying.
Positioning
Atlantic Union Bankshares Corp positions itself as a regional bank offering personalized service and local expertise. Its competitive advantages include its strong community relationships and established presence in the Mid-Atlantic.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is estimated to be in the billions of dollars. Atlantic Union Bankshares Corp is positioned to capture a portion of this market through its branch network and online offerings.
Upturn SWOT Analysis
Strengths
- Strong Regional Presence
- Experienced Management Team
- Diverse Product and Service Offerings
- Solid Capital Base
Weaknesses
- Limited National Brand Recognition
- Reliance on Regional Economy
- Smaller Size Compared to National Banks
Opportunities
- Expansion into New Markets
- Increased Digital Banking Adoption
- Acquisitions of Smaller Banks
- Growth in Wealth Management Services
Threats
- Increased Competition from Larger Banks
- Regulatory Changes
- Economic Downturn
- Cybersecurity Threats
Competitors and Market Share
Key Competitors
- BAC
- TFC
- BBT
Competitive Landscape
Atlantic Union Bankshares Corp faces intense competition from larger national and regional banks. Its advantages include its local market knowledge and personalized service. Its disadvantages include its smaller size and limited resources compared to larger competitors.
Major Acquisitions
Xenith Bankshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 701
- Strategic Rationale: Expanded market share in Virginia and enhanced commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires live updated data from credible financial sources. It is not possible to provide the latest at any point in time
Future Projections: Future Projections requires live updated data from credible financial sources. It is not possible to provide the latest at any point in time
Recent Initiatives: Recent strategic initiatives require live updated data from credible financial sources. It is not possible to provide the latest at any point in time
Summary
Atlantic Union Bankshares Corp is a regional bank with a strong presence in the Mid-Atlantic. It has a diverse range of banking services and a solid capital base. However, it faces competition from larger banks and needs to invest in technology and digital banking to remain competitive. Their strong financial management and community focus is working well but they need to look out for larger banks encroaching in their territory.
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Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is approximate and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Atlantic Union Bankshares Corp
Exchange NYSE | Headquaters Glen Allen, VA, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Director Mr. John C. Asbury | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2125 | |
Full time employees 2125 | |||
Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. It operates in two segments, Wholesale Banking and Consumer Banking. The company accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. It provides loans for commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Glen Allen, Virginia.
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