Atlantic Union Bankshares, Corp. (AUB)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$40.91+0.34%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · AUB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks AUB against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Complete the integration of Sandy Spring Bancorp acquisition to realize expected benefits and potential.
Stated as a priority in 2 of last 2 quarters. The Sandy Spring acquisition materially increased total assets from $24.6B in 2025-Q2 to $37.3B in 2026-Q2 and loans held for investment from $18.4B to $27.9B. Management has reiterated focus on integration and realizing acquisition benefits, and the financials show delivering on this priority.
“Our expansion has been deliberate, blending steady organic growth with focused strategic mergers and acquisitions. In the near term, we intend to maximize the potential of the Sandy Spring Bank acqui…”
“Atlantic Union had a solid first quarter, reflecting disciplined execution and a successful conclusion of the Sandy Spring Bancorp, Inc. integration.”
Leverage core franchise to deepen relationships, grow market share, increase operating leverage, and build a durable foundation.
Stated as a priority in 2 of last 2 quarters. Quarterly average loan growth was approximately 6.0% annualized in 2026-Q2 with a 10.4% annualized increase since 2026-Q1, reflecting management's focus on organic growth and deepening customer relationships. The trajectory is delivering consistent growth.
“Quarterly average loan growth was approximately 6.0% annualized in Q2 2026 and quarterly loan growth increased approximately 10.4% annualized since the end of Q1 2026.”
Sustain sound asset quality with low nonperforming assets and prudent credit loss allowances.
Stated as a priority in 2 of last 2 quarters. Nonperforming assets remained low at 0.39% of loans in 2026-Q2, slightly up from 0.36% in 2026-Q1, and allowance for credit losses held steady at 1.15%. Management's focus on asset quality and credit risk management is consistent with stable and sound credit metrics.
“Asset quality remains strong with annualized net charge-offs at 3 basis points and allowance for credit loss as a percentage of loans held for investment of 1.15%.”
Grow physical presence and market share in North Carolina through branch expansion and organic growth.
Stated as a priority in 2 of last 2 quarters. The branch footprint in North Carolina stands at 11 branches with $892 million in deposits as of 2026-Q2. Management continues to emphasize organic expansion in this market, showing consistent focus but limited scale so far.
“We have a growing presence in North Carolina with 11 branches and $892 million in deposits, focusing on organic expansion.”
Execute the authorized share repurchase program to return capital to shareholders.
Newly stated in 2026-Q2. The Board authorized a share repurchase program for up to $250 million. There is no financial data yet on repurchase execution, so delivery status is pending.
“Board of Directors authorized a share repurchase program to purchase up to $250 million of common stock.”
Over the trailing year it converted 1.08x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
23 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.
“Asset quality remains strong, our annualized first quarter loan growth rate improved year over year during a seasonally slow period.”
“Nonperforming assets as a percentage of loans held for investment was 0.36%, a decrease of 6 basis points from prior quarter.”
“Management highlighted strategic expansion into North Carolina as a priority in their forward-looking statements.”