Atlantic Union Bankshares, Corp. (AUB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$39.21-2.39%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · AUB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -6.3% |
| Our one-year growth estimate | diamond | -15.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 9.1 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
AUB — earnings in line
Dated 2026-10-20
Results of Operations and Financial Condition. On October 20, 2026, Atlantic Union Bankshares Corporation (the “Company”) issued a press release announcing its financial results for the third quarter of 2026. A copy of the press release is being furnished as Exhibit 99.1 hereto and is incorporated herein by reference. The information disclosed in or incorporated by reference into this Item 2.02, including Exhibit 99.1, is furnished and shall not be deemed filed for purposes of Section 18…
Why it matters: Past-due loans rose to 0.34% of loans from 0.28% in Q2. A further rise may point to weaker borrower payment trends.
Worry ifAccruing past-due loans rise above 0.34% of loans in the next reported quarter.
Less concerning ifThe ratio falls below 0.34% in the next reported quarter.
Why it matters: Nonperforming assets fell to 0.37%, and net charge-offs stayed low. Keeping these levels would support management's focus on sound credit.
Supportive ifNonperforming assets remain below 0.37% of loans and net charge-offs stay at or below 0.03% in the next quarter.
Worry ifNonperforming assets rise above 0.37% or net charge-offs rise above 0.03% in the next quarter.
Why it matters: The margin fell to 3.82% in Q3 as deposit costs rose. A further drop would show more pressure on earnings.
Worry ifQ4 net interest margin prints below 3.82%, while funding costs remain above 2.01%.
Less concerning ifQ4 net interest margin rises above 3.82% as funding costs fall from 2.01%.
Why it matters: The company lists acquisition integration as a priority, and its Q2 materials name risks to expected gains. Clear progress would support the case for those gains.
Watch forA company update lists completed Sandy Spring integration steps. It reports cost savings or other gains.
Also watch forA company update reports delays, added costs, or gains that were not achieved.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$81 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $217 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,833 loss on $10,000 · 18.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.