Atlantic Union Bankshares
Commercial and consumer bank spanning the lower Mid-Atlantic with nationwide equipment finance.
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Profile
Provides commercial and consumer banking through Atlantic Union Bank, earning interest on loans and securities and fees from treasury management, capital markets, equipment finance, and wealth services. Its branch footprint spans Virginia, Maryland, Washington, D.C., and North Carolina, with customer deposits providing its main funding base.
Operates Atlantic Union Bank through Wholesale Banking and Consumer Banking. Wholesale Banking provides commercial loans and leases, deposits, treasury management, capital-markets services, nationwide equipment finance, and wealth management; Consumer Banking serves households and small businesses with deposits, loans, mortgages, and branch and digital banking.
Concentrates its branch network in Virginia, Maryland, Washington, D.C., and North Carolina, while wholesale customers extend into South Carolina and equipment finance reaches nationwide. The franchise now includes the fully integrated Sandy Spring network and uses relationship bankers alongside digital channels. Earnings center on interest from loans and securities, funded mainly by customer deposits, plus service and advisory fees. Results remain tied to deposit costs and retention, interest-rate spreads, borrower credit quality, and bank regulation.
Company facts
Categories
Key statistics
Year to date +14.4% · Average volume (30d) 925.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 22, 2026 | Piper Sandler | Reiterate | Overweight | $46 | $47 |
| Jun 11, 2026 | Piper Sandler | Reiterate | Overweight | $47.50 | $46 |
| Feb 5, 2026 | Piper Sandler | Reiterate | Overweight | $38 | $47.50 |
| Jan 26, 2026 | Stephens | Target | $46 | $45 | |
| Dec 11, 2025 | Raymond James | Target | $40 | $45 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $0.92 | $0.94 | +2.3% | $389.1M | $387.6M | −0.4% | −1.10% |
| Apr 21, 2026Q1 FY26 | $0.88 | $0.89 | +1.1% | $382.0M | $371.7M | −2.7% | −0.91% |
| Jan 22, 2026Q4 FY25 | $0.86 | $0.97 | +12.8% | $379.0M | $391.3M | +3.3% | −2.02% |
| Oct 23, 2025Q3 FY25 | $0.84 | $0.84 | −0.4% | $379.1M | $354.7M | −6.4% | +3.52% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $333.8M | $590.6M | $553.3M | $556.6M | $523.7M | $577.1M | |
| Gross profit | $194.4M | $295.9M | $352.8M | $382.7M | $361.6M | $403.6M | |
| Operating income | $61.5M | $17.5M | $116.3M | $141.7M | $154.6M | $204.5M | |
| Net income | $49.8M | $19.8M | $92.1M | $112.0M | $122.2M | $161.0M | |
| Diluted EPS | $0.53 | $0.12 | $0.63 | $0.77 | $0.84 | $1.11 | |
| Gross margin | 58.3% | 50.1% | 63.8% | 68.8% | 69.0% | 69.9% | |
| Operating margin | 18.4% | 3.0% | 21.0% | 25.5% | 29.5% | 35.4% |
Fiscal years (4-quarter sums)FY21 $718.2M · FY22 $775.5M · FY23 $1.04B · FY24 $1.35B · FY25 $2.03B
Balance sheet, Jun 30, 2026Cash & short-term investments $990.3M · Total debt $1.73B · Total assets $38.10B · Shareholders' equity $5.15B
Dividends
Raised for 16 straight years — most recently to $0.37 from $0.34 in Nov 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 7, 2026 | Aug 7 | Aug 21 | $0.37 | |
| May 22, 2026 | May 22 | Jun 5 | $0.37 | |
| Feb 13, 2026 | Feb 13 | Feb 27 | $0.37 | |
| Nov 14, 2025 | Nov 14 | Nov 28 | $0.37 | raised from $0.34 |
| Aug 4, 2025 | Aug 4 | Aug 18 | $0.34 | |
| May 23, 2025 | May 23 | Jun 6 | $0.34 | |
| Feb 14, 2025 | Feb 14 | Feb 28 | $0.34 | |
| Nov 8, 2024 | Nov 8 | Nov 22 | $0.34 | raised from $0.32 |
Ownership
Shares outstanding 141.92M · Float 140.51M · 99.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 20.88M | 14.71% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 8.88M | 6.26% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 7.70M | 5.43% | 13F | Aug 11, 2026 |
| State Street Corp | 7.63M | 5.38% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 6.44M | 4.53% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 20, 2026 | Nancy H. Agee | director | +650 | $39.05 |
Peers
- Truist Financial
Larger Southeast bank across commercial, retail, wealth, and mortgage
- PNC Financial Services Group
National-scale regional bank across retail, corporate, and asset management
- M&T Bank
Larger Mid-Atlantic bank in commercial, retail, wealth, and deposits
- United Bankshares
Mid-Atlantic community-bank peer in deposits, lending, mortgage, and trust
- TowneBank
Virginia bank peer across local banking, mortgage, insurance, and wealth
- Fulton Financial
Mid-Atlantic peer in consumer, commercial, wealth, and mortgage banking
- Pinnacle Financial Partners
Southeast relationship bank in commercial, treasury, wealth, and mortgage
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Atlantic Union Bankshares | $40.66 | +0.02% | $5.77B | 12.1 | 10.5 | 2.6 | −3.5% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| United Bankshares | $47.60 | +0.01% | $6.56B | 13.0 | 12.7 | 3.6 | +6.0% |
| TowneBank | $37.47 | +0.09% | $3.45B | 10.5 | 11.3 | 2.7 | +18.5% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| Median | 12.4 | 11.3 | 2.7 | +13.5% |