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    Atlantic Union Bankshares (AUB)

    Market Price (11/3/2026): $40.4 | Market Cap: $5.7 BilSector: Financials | Industry: Regional Banks

    Atlantic Union Bankshares (AUB)

    Market Price (11/3/2026): $40.4
    Market Cap: $5.7 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.7%, FCF Yield is 9.1%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 46%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%

    Low stock price volatility
    Vol 12M is 25%

    Capital ratio is >2x the minimum of 6%
    Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%

    Uninsured deposits are low
    Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 29%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology.

    Weak multi-year price returns
    2Y Excs Rtn is -15%, 3Y Excs Rtn is -21%

    Key risks
    AUB key risks include [1] significant credit risk from its heavy concentration in commercial real estate (CRE) loans, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.7%, FCF Yield is 9.1%
    1 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 46%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%
    3 Low stock price volatility
    Vol 12M is 25%
    4 Capital ratio is >2x the minimum of 6%
    Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%
    5 Uninsured deposits are low
    Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 29%
    6 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology.
    7 Weak multi-year price returns
    2Y Excs Rtn is -15%, 3Y Excs Rtn is -21%
    8 Key risks
    AUB key risks include [1] significant credit risk from its heavy concentration in commercial real estate (CRE) loans, Show more.

    AUB in ETFs

    Weight = AUB's share of each fund

    VTI0.01%
    ITOT0.01%
    IWM0.19%
    IJR0.32%
    VYM0.02%
    VB0.07%
    KRE1.1%
    SLYV0.61%
    +13 more covered ETFs

    Valuation & Metrics

    FYE: 12/31AUB [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$1.5 Bil—
    FY 2026 Sales$1.5 Bil—
    FY 2027 Sales$1.6 Bil—
    FY 2026 Sales Growth0.9%—
    FY 2027 Sales Growth4.6%8.9%
    EARNINGS
    LTM Net Income (GAAP) [3]$487.3 Mil—
    FY 2026 Net Income (Non-GAAP)$485.9 Mil—
    FY 2027 Net Income (Non-GAAP)$554.5 Mil—
    FY 2027 Net Income Growth14.1%14.0%
    FY 2026 EPS (Non-GAAP)$3.76—
    FY 2027 EPS (Non-GAAP)$4.06—
    FY 2027 EPS Growth7.9%—
    VALUATION
    FY 2026 P/S3.73.1
    FY 2027 P/S3.5—
    FY 2026 P/E11.718.0
    FY 2027 P/E10.2—

    [1] AUB forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 11/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    AUBS&P 500
    REVENUE GROWTHGOOD
    Rev LTM ($ Bil)1.5
    Rev Chg Q2.7%8.9%
    Rev Chg LTM46.3%8.5%
    Rev Chg 3Y Avg31.3%6.2%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.5
    Net Inc LTM ($ Bil)0.5
    CFO/Rev LTM35.9%21.6%
    Net Inc Mgn31.8%13.4%
    VALUATIONLOW
    P/S3.73.3
    P/CFO10.515.2
    P/FCF11.020.4
    P/E11.822.8

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Branches12912312024Link
    Number of ATMsapproximately 15012312024Link
    Nonperforming assets as a percentage of total loans held for investment0.32%12312024Link
    Allowance for credit losses as a percentage of total loans held for investment1.05%12312024Link
    Net charge-offs as a percentage of total average loans held for investment (annualized)0.03%12312024Link

    Price Chart

    Recent
    10/20/2026Earnings ReleaseRev: $387 Mil (A) vs. $392 Mil (E)
    EPS: 0.96 (A) vs. $0.96 (E)
    Upcoming
    11/13/2026DividendAmount: $0.40
    Payment On: 11/27/2026
    1/28/2027Earnings ReleaseRev: $395 Mil (E)
    EPS: $0.98 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/1/2026

    Atlantic Union Bankshares (AUB) stock has lost about 5% since 7/31/2026 because of the following key factors:

    1. Net Interest Margin (NIM) Contraction and Rising Funding Costs. Atlantic Union Bankshares' fully tax-equivalent net interest margin declined by 6 basis points to 3.88% in fiscal Q3 2026 (ended September 30, 2026), driven by increased funding costs stemming from customer migration to higher-yielding deposit products and elevated brokered deposit expenses. This occurred despite a year-over-year increase in net interest income. The Federal Reserve's decision on September 16, 2026, to raise the federal funds target range by a quarter point to 3.75% to 4% contributed to this challenging funding environment for regional banks.

    2. Revenue Miss and Noninterest Income Decline. Although Atlantic Union Bankshares met adjusted operating earnings per share estimates of $0.96 for fiscal Q3 2026, its revenue of $387.9 million fell slightly below analyst consensus estimates, which ranged from approximately $391.8 million to $392.7 million. The company also experienced a significant sequential decrease in noninterest income, which declined to $54.8 million from $90.2 million in the prior fiscal quarter, primarily due to the non-recurrence of a $32.3 million pre-tax gain on an insurance equity interest sale recorded in fiscal Q2 2026.

    Show more
    Updated on 11/1/2026

    Atlantic Union Bankshares (AUB) stock has lost about 5% since 7/31/2026 because of the following key factors:

    1. Net Interest Margin (NIM) Contraction and Rising Funding Costs. Atlantic Union Bankshares' fully tax-equivalent net interest margin declined by 6 basis points to 3.88% in fiscal Q3 2026 (ended September 30, 2026), driven by increased funding costs stemming from customer migration to higher-yielding deposit products and elevated brokered deposit expenses. This occurred despite a year-over-year increase in net interest income. The Federal Reserve's decision on September 16, 2026, to raise the federal funds target range by a quarter point to 3.75% to 4% contributed to this challenging funding environment for regional banks.

    2. Revenue Miss and Noninterest Income Decline. Although Atlantic Union Bankshares met adjusted operating earnings per share estimates of $0.96 for fiscal Q3 2026, its revenue of $387.9 million fell slightly below analyst consensus estimates, which ranged from approximately $391.8 million to $392.7 million. The company also experienced a significant sequential decrease in noninterest income, which declined to $54.8 million from $90.2 million in the prior fiscal quarter, primarily due to the non-recurrence of a $32.3 million pre-tax gain on an insurance equity interest sale recorded in fiscal Q2 2026.

    3. Decline in Tangible Book Value. Atlantic Union Bankshares reported a decrease in tangible book value per share to $20.36 at the end of fiscal Q3 2026, down from $20.77 at June 30, 2026. This decline was primarily attributed to the impact of higher long-term interest rates, which increased unrealized losses recorded in accumulated other comprehensive income (AOCI).

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    Stock Movement Drivers

    Fundamental Drivers

    The -3.9% change in AUB stock from 7/31/2026 to 11/2/2026 was primarily driven by a -31.7% change in the company's P/E Multiple.
    (LTM values as of)731202611022026Change
    Stock Price ($)42.0640.40-3.9%
    Change Contribution By: 
    Total Revenues ($ Mil)1,5201,5310.7%
    Net Income Margin (%)22.8%31.8%39.8%
    P/E Multiple17.211.8-31.7%
    Shares Outstanding (Mil)142142-0.1%
    Cumulative Contribution-3.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/2/2026
    ReturnCorrelation
    AUB-3.9% 
    Market (SPY)0.7%16.3%
    Sector (XLF)1.1%62.4%

    Fundamental Drivers

    The 9.3% change in AUB stock from 4/30/2026 to 11/2/2026 was primarily driven by a 59.0% change in the company's Net Income Margin (%).
    (LTM values as of)430202611022026Change
    Stock Price ($)36.9640.409.3%
    Change Contribution By: 
    Total Revenues ($ Mil)1,3681,53111.9%
    Net Income Margin (%)20.0%31.8%59.0%
    P/E Multiple19.211.8-38.5%
    Shares Outstanding (Mil)142142-0.1%
    Cumulative Contribution9.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/2/2026
    ReturnCorrelation
    AUB9.3% 
    Market (SPY)4.9%23.0%
    Sector (XLF)10.8%58.4%

    Fundamental Drivers

    The 29.2% change in AUB stock from 10/31/2025 to 11/2/2026 was primarily driven by a 63.4% change in the company's Net Income Margin (%).
    (LTM values as of)1031202511022026Change
    Stock Price ($)31.2740.4029.2%
    Change Contribution By: 
    Total Revenues ($ Mil)1,0461,53146.3%
    Net Income Margin (%)19.5%31.8%63.4%
    P/E Multiple21.711.8-45.8%
    Shares Outstanding (Mil)142142-0.3%
    Cumulative Contribution29.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/2/2026
    ReturnCorrelation
    AUB29.2% 
    Market (SPY)11.2%35.8%
    Sector (XLF)11.3%59.6%

    Fundamental Drivers

    The 57.7% change in AUB stock from 10/31/2023 to 11/2/2026 was primarily driven by a 119.4% change in the company's Total Revenues ($ Mil).
    (LTM values as of)1031202311022026Change
    Stock Price ($)25.6240.4057.7%
    Change Contribution By: 
    Total Revenues ($ Mil)6981,531119.4%
    Net Income Margin (%)31.4%31.8%1.2%
    P/E Multiple8.811.834.6%
    Shares Outstanding (Mil)75142-47.2%
    Cumulative Contribution57.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/2/2026
    ReturnCorrelation
    AUB57.7% 
    Market (SPY)86.0%52.8%
    Sector (XLF)85.7%69.4%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    AUB Return17%-2%8%7%-3%18%52%
    Peers Return27%-4%0%17%9%15%78%
    S&P 500 Return27%-19%24%23%16%10%101%

    Monthly Win Rates [3]
    AUB Win Rate50%50%50%50%50%64% 
    Peers Win Rate67%46%42%52%58%57% 
    S&P 500 Win Rate75%42%67%75%67%36% 

    Max Drawdowns [4]
    AUB Max Drawdown-22%-26%-41%-15%-38%-18% 
    Peers Max Drawdown-20%-25%-46%-18%-25%-17% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: ABCB, EBC, FULT, BOH, GBC.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/2/2026 (YTD)

    How Low Can It Go

    EventAUBS&P 500
    2025 US Tariff Shock
      % Loss-36.6%-18.8%
      % Gain to Breakeven57.6%23.1%
      Time to Breakeven244 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-39.2%-6.7%
      % Gain to Breakeven64.5%7.1%
      Time to Breakeven229 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-17.9%-24.5%
      % Gain to Breakeven21.8%32.4%
      Time to Breakeven69 days427 days
    2020 COVID-19 Crash
      % Loss-43.2%-33.7%
      % Gain to Breakeven76.0%50.9%
      Time to Breakeven265 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-30.3%-19.2%
      % Gain to Breakeven43.5%23.8%
      Time to Breakeven261 days105 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-11.9%-12.2%
      % Gain to Breakeven13.5%13.9%
      Time to Breakeven46 days62 days

    Compare to NEWT, ATLO, CLBK, GCBC, MBBC

    In The Past

    Atlantic Union Bankshares's stock fell -36.6% during the 2025 US Tariff Shock. Such a loss loss requires a 57.6% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventAUBS&P 500
    2025 US Tariff Shock
      % Loss-36.6%-18.8%
      % Gain to Breakeven57.6%23.1%
      Time to Breakeven244 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-39.2%-6.7%
      % Gain to Breakeven64.5%7.1%
      Time to Breakeven229 days31 days
    2020 COVID-19 Crash
      % Loss-43.2%-33.7%
      % Gain to Breakeven76.0%50.9%
      Time to Breakeven265 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-30.3%-19.2%
      % Gain to Breakeven43.5%23.8%
      Time to Breakeven261 days105 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-30.2%-15.4%
      % Gain to Breakeven43.2%18.2%
      Time to Breakeven896 days125 days
    2008-2009 Global Financial Crisis
      % Loss-59.3%-53.4%
      % Gain to Breakeven145.8%114.4%
      Time to Breakeven1534 days1085 days

    Compare to NEWT, ATLO, CLBK, GCBC, MBBC

    In The Past

    Atlantic Union Bankshares's stock fell -36.6% during the 2025 US Tariff Shock. Such a loss loss requires a 57.6% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Atlantic Union Bankshares (AUB)

    ```html

    Atlantic Union Bankshares Corporation (AUB) is a bank holding company primarily operating Atlantic Union Bank. Its core business involves providing a wide array of banking and related financial services. Essentially, AUB functions as a regional bank, serving the financial needs of both individual consumers and businesses through its branch network and digital channels.

    The company offers a comprehensive suite of financial products. This includes various deposit accounts such as checking, savings, money market, and certificates of deposit. On the lending side, AUB provides commercial, industrial, residential mortgage, and consumer loans. Beyond traditional banking, it also offers services like credit cards, mobile and internet banking, online bill payment, and extends into financial planning, trust, wealth management, securities, brokerage, and investment advisory services.

    Atlantic Union Bankshares primarily serves two main customer segments: consumers and businesses. Its primary market is regional, with operations focused in Virginia, Maryland, and North Carolina. As of early 2022, it operated 130 branches and approximately 150 ATMs across these states, providing localized financial solutions to the communities within its geographic footprint.

    ```

    AI Analysis | Feedback

    Here are 1-3 brief analogies for Atlantic Union Bankshares (AUB):

    • A smaller, regional Bank of America
    • Like PNC Bank, but focused on Virginia, Maryland, and North Carolina

    AI Analysis | Feedback

    • Deposit Products: The company offers various accounts including checking, savings, NOW, time deposit, money market accounts, and certificates of deposit.
    • Loan Products: They provide loans for commercial, industrial, residential mortgage, and consumer purposes, also originating and selling residential loans in the secondary market.
    • Digital Banking & Payment Services: This category includes credit cards, automated teller machine (ATM) services, mobile and internet banking, and online bill payment services.
    • Wealth Management & Investment Services: The company offers financial planning, trust services, wealth management, securities, brokerage, and investment advisory products and services.

    AI Analysis | Feedback

    Atlantic Union Bankshares (AUB) provides banking and related financial services directly to a broad base of customers, including both individuals and businesses, within its operating regions of Virginia, Maryland, and North Carolina. The company does not sell primarily to a few major corporate customers, but rather serves a diverse local customer base. Here are the major categories of customers that Atlantic Union Bankshares serves:
    1. Individual Consumers: This category includes everyday individuals and families who utilize the bank for their personal financial needs. Services for these customers include checking, savings, and money market accounts, credit cards, consumer loans, residential mortgages, mobile and internet banking, and personal financial planning.
    2. Commercial and Industrial Businesses: This category encompasses a wide range of businesses, from small local enterprises to larger corporations operating within Atlantic Union Bankshares' service areas. These customers use the bank for commercial checking and savings accounts, commercial and industrial loans, lines of credit, treasury management services, and business credit cards.
    3. Wealth Management and Trust Clients: This group comprises high-net-worth individuals, families, and potentially some institutional clients who seek specialized financial services. These include financial planning, trust services, investment advisory, and brokerage products.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    John C. Asbury, President & CEO

    John C. Asbury has served as President and Chief Executive Officer of Atlantic Union Bankshares Corporation since January 2017, and President of the company since October 2016. He also holds the role of Chief Executive Officer of Atlantic Union Bank, a position he has held since October 2016. Prior to joining Atlantic Union, he was President and CEO of the privately-held First National Bank of Santa Fe, which operated in New Mexico and Colorado. His career also includes serving as Senior Executive Vice President and Head of the Business Services Group at Regions Financial Corporation, and 17 years at Bank of America, where he was the Pacific Northwest Region Executive for Business Banking. Mr. Asbury began his banking career in the management training program at Wachovia Bank & Trust. He earned a B.S. in Business from Virginia Tech and an MBA from The College of William & Mary.

    Alexander D. Dodd, Chief Financial Officer

    Alexander D. Dodd will assume the role of Chief Financial Officer of Atlantic Union Bankshares Corporation, effective April 13, 2026. He succeeds Robert M. Gorman, who is retiring and will serve as an executive advisor during the transition period until September 30, 2026. Mr. Dodd brings over 20 years of enterprise finance leadership experience from U.S. and Canadian banking, joining Atlantic Union from TD Bank Group. At TD Bank Group, he held various senior finance management roles for nearly two decades, including Deputy CFO, Executive Vice President, and interim CFO for TD Bank's U.S. operations. His experience also includes managing several line of business CFO roles and leading Financial Planning and Analysis and Corporate Strategy. He began his banking career at MBNA and later worked at TD Banknorth before its merger with Commerce Bank. Mr. Dodd is a graduate of the United States Coast Guard Academy and holds an MBA from Loyola University Maryland. He is also a Chartered Financial Analyst (CFA).

    Robert M. Gorman, Executive Advisor

    Robert M. Gorman, who previously served as Executive Vice President and Chief Financial Officer of Atlantic Union Bankshares Corporation since July 2012, is transitioning to an executive advisor role through September 30, 2026, as he retires. He played a significant role in the company's growth, helping to transform it from a $4 billion asset community bank in 2012 to a nearly $40 billion regional banking leader. Before joining Atlantic Union, Mr. Gorman held positions at SunTrust Banks, Inc. as Senior Vice President & Strategic Financial Officer and Senior Vice President & Director of Corporate Support Services. He also has experience from roles at FleetBoston Financial and Liberty Mutual Insurance Group.

    Maria P. Tedesco, Executive Vice President of the Company and President & Chief Operating Officer of Atlantic Union Bank

    Maria P. Tedesco is Executive Vice President of Atlantic Union Bankshares Corporation and President and Chief Operating Officer of Atlantic Union Bank, a role she has held as Bank President since September 2018 and COO since January 2022. Her extensive banking career spans over 30 years, during which she has led revenue-generating lines of business including consumer and commercial banking, wealth management, and treasury management. Before joining Atlantic Union, Ms. Tedesco was Chief Operating Officer for U.S. Retail and Business Banking at BMO Harris Bank. She also held senior executive roles at Santander Bank and Citizens Financial Group. Ms. Tedesco began her banking journey in a marketing role at BayBank Harvard Trust. She holds a Bachelor of Science in Finance and Accounting from Ithaca College and an MBA from Northeastern University.

    Bradley S. Haun, Executive Vice President & Chief Risk Officer

    Bradley S. Haun serves as Executive Vice President and Chief Risk Officer of Atlantic Union Bankshares Corporation and Atlantic Union Bank, having been appointed to the role in 2025. He joined Atlantic Union in 2011 and has held various leadership positions within the company, including executive vice president and chief audit executive since 2021. His career at Atlantic Union also includes roles as director of financial reporting and accounting policy, and corporate controller. Mr. Haun began his career at Cherry Bekaert in their audit practice. He is an alumnus of Virginia Tech.

    AI Analysis | Feedback

    The key risks to Atlantic Union Bankshares (AUB) primarily stem from its strategic growth initiatives, its regional operational focus, and the competitive landscape of the financial industry.

    1. Integration Risk from Acquisitions: Atlantic Union Bankshares has pursued strategic acquisitions, including American National in 2024 and Sandy Spring Bancorp, Inc. in 2025. The successful integration of these acquired entities, particularly the core system conversion for Sandy Spring slated for October 2025, is critical. Any difficulties in this process could delay the realization of expected cost synergies, create a drag on earnings, and potentially elevate credit risk.
    2. Geographic Concentration and Economic Downturn Vulnerability: The company's operations are concentrated in the Mid-Atlantic region, making it susceptible to local economic downturns. This regional focus, particularly its reliance on real estate markets and general economic conditions in its primary markets, means a faltering local economy could materially and adversely affect its business.
    3. Intense Competition and Funding/Interest Rate Risks: Atlantic Union Bankshares faces significant competition from community, regional, national, and internet banks, as well as credit unions and non-bank financial service providers. This intense competition, coupled with potential rising interest rates, could increase funding costs for the bank and negatively impact its net interest margin and net interest income.

    AI Analysis | Feedback

    The rise of digital-first banks (neobanks) and specialized financial technology (fintech) companies presents a clear emerging threat. These entities leverage technology to offer banking services, loans, and other financial products with lower overhead costs, often resulting in more competitive rates, reduced fees, and a superior digital user experience. This model directly challenges Atlantic Union Bankshares' traditional branch-based infrastructure and hybrid digital offerings, potentially eroding its customer base and market share in deposits, consumer loans, and commercial lending by attracting customers seeking fully digital, streamlined, and cost-effective financial solutions.

    AI Analysis | Feedback

    Here are the addressable market sizes for Atlantic Union Bankshares' main products and services in its operating regions:

    Virginia

    • Deposit Products: The total deposits in all banks in Virginia were approximately $296 billion as of Q4 2024.
    • Commercial, Industrial, and Consumer Loans: The Commercial Banking industry in Virginia, which includes consumer, commercial, and industrial loans, has a market size of approximately $24.4 billion in 2026.
    • Residential Mortgage Loans: New home loans booked in Virginia amounted to approximately $35.2 billion in 2024.
    • Financial Planning, Trust, and Wealth Management Services: The Portfolio Management & Investment Advice industry in Virginia has a market size of approximately $5.7 billion in 2026.

    Maryland

    • Deposit Products: The total deposits in all banks in Maryland were approximately $195 billion as of Q4 2024. [cite: 16 in previous turn]
    • Commercial, Industrial, and Consumer Loans: The Commercial Banking industry in Maryland, which includes consumer, commercial, and industrial loans, has a market size of approximately $13.7 billion in 2026. [cite: 11 in previous turn]
    • Residential Mortgage Loans: New home loans booked in Maryland amounted to approximately $23.2 billion in 2024. [cite: 16 in previous turn]
    • Financial Planning, Trust, and Wealth Management Services: null

    North Carolina

    • Deposit Products: The total deposits in all banks in North Carolina were approximately $693 billion as of Q4 2024. [cite: 12 in previous turn]
    • Commercial, Industrial, and Consumer Loans: The Commercial Banking industry in North Carolina, which includes consumer, commercial, and industrial loans, has a market size of approximately $68.0 billion in 2026. [cite: 46 in previous turn]
    • Residential Mortgage Loans: New home loans booked in North Carolina amounted to approximately $37.2 billion in 2024. [cite: 12 in previous turn]
    • Financial Planning, Trust, and Wealth Management Services: The Portfolio Management & Investment Advice industry in North Carolina has a market size of approximately $4.9 billion in 2026.

    AI Analysis | Feedback

    Atlantic Union Bankshares (symbol: AUB) is expected to drive future revenue growth over the next two to three years through several key strategies:

    1. Strategic Acquisitions and Geographic Expansion: The company has actively pursued mergers and acquisitions, such as the completed acquisition of American National Bankshares Inc., which added 26 branches and expanded its footprint in Virginia and North Carolina. More recently, the successful integration of Sandy Spring Bancorp was noted as materially increasing both loan and deposit bases and contributing to Atlantic Union's transformation into the largest regional bank headquartered in the lower Mid-Atlantic, with operations extending into Maryland and an expanding presence in North Carolina. This strategic expansion is expected to bring in new customers, loans, and deposits, thereby increasing the bank's market share and revenue.
    2. Growth in Loan Portfolios: Atlantic Union Bankshares anticipates continued growth in its loan portfolios, particularly in commercial real estate, commercial and industrial, and multifamily real estate loans. This is supported by expectations of enhanced loan growth for 2026 and a near-term focus on loan growth, as indicated in analyst reports and company statements. Organic loan growth has also been a contributing factor alongside acquired loans. Increased loan balances directly translate to higher interest income, a primary component of the bank's revenue.
    3. Net Interest Margin (NIM) Optimization: The company projects an expansion of its net interest margin, which is the difference between interest income generated and interest paid out. This optimization is expected to be driven by a combination of factors, including managing funding costs (such as lower deposit costs), increasing earning asset yields through new loan production and repricing of existing loans, and realizing significant accretion income from acquired loan portfolios. Analysts forecast NIM to expand to between 3.90% and 4.00% in 2026, supported by this accretion income.

    AI Analysis | Feedback

    Share Repurchases

    • Atlantic Union Bankshares suspended its share repurchase program on March 20, 2020. At the time of suspension, $20 million remained of a $150 million authorization, which was set to expire on June 30, 2021.
    • In 2021, the company repurchased approximately 3.4 million shares for around $125 million.
    • During the first quarter of 2022, approximately 630,000 shares were repurchased for about $25 million.

    Share Issuance

    • Atlantic Union Bankshares has issued common stock and Series A Perpetual Non-Cumulative Preferred Stock.
    • The acquisition of Sandy Spring Bancorp, Inc. by Atlantic Union Bankshares, completed on April 1, 2025, was an all-stock transaction. Each outstanding share of Sandy Spring common stock was converted into the right to receive 0.900 shares of Atlantic Union common stock.

    Outbound Investments

    • Atlantic Union Bankshares entered into a definitive agreement to acquire Sandy Spring Bancorp, Inc. in an all-stock transaction valued at approximately $1.6 billion as of October 21, 2024.
    • The acquisition of Sandy Spring Bancorp, Inc. was completed on April 1, 2025. The aggregate transaction value was approximately $1.3 billion based on Atlantic Union's closing stock price on March 31, 2025.
    • This acquisition was intended to strengthen Atlantic Union's presence in Virginia and Maryland, creating the largest regional banking franchise headquartered in the lower Mid-Atlantic.

    Capital Expenditures

    • While the company has made additional investments in technology, particularly related to the integration of the Sandy Spring acquisition, explicit dollar values for traditional capital expenditures are not readily available in the provided information for the last 3-5 years.

    Peer Outperformance in Regional Banks

    AUB has trailed 69% of its 261 Regional Banks peers over 5Y. Among the peers that beat it is NIC. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that AUB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    38%
    of 281 industry peers · 29.2% return
    3Y
    12%
    of 273 industry peers · 42.0% return
    5Y
    31%
    of 261 industry peers · 32.4% return
    Regional Banks peers with revenue growth within 4pp of AUB's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    AUB Atlantic Union Bankshares 31.3% 11.8x 29.2%42.0%32.4% —
    NIC Nicolet Bankshares 31.3% 20.8x 49.3%134.4%145.6% +113pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is AUB's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 37.5%74.0%118.3% SPNT 170% · RGA 148% · RNR 138%
    Investment Banking & Brokerage 13 -1.9%90.1%92.3% IBKR 314% · SNEX 159% · HOOD 140%
    Diversified Banks 12 32.8%141.8%91.6% CM 142% · RY 130% · JPM 126%
    Life & Health Insurance 20 17.2%52.4%78.2% JXN 536% · UNM 303% · FG 188%
    Property & Casualty Insurance 42 21.7%72.7%65.0% PGR 176% · TRV 176% · ACGL 166%
    Multi-line Insurance 9 10.2%68.9%63.6% AIZ 100% · GNW 98% · L 97%
    Multi-Sector Holdings 3 9.8%52.4%57.5% BRK-B 93% · VOYA 57% · JEF 35%
    Regional Banks ← 262 34.5%91.3%53.5% CBC 263% · FCNCA 189% · NIC 146%
    Financial Exchanges & Data 15 19.8%33.8%32.6% CBOE 176% · VIRT 144% · CME 71%
    Insurance Brokers 15 5.3%11.6%26.0% LIFE 387% · ARX 89% · AJG 80%
    Asset Management & Custody Banks 85 -6.1%21.7%8.8% VCTR 257% · WT 230% · AAMI 191%
    Consumer Finance 30 5.9%72.9%5.4% ENVA 397% · FCFS 137% · AXP 101%
    Diversified Financial Services 4 -5.1%18.6%3.3% FRHC 171% · EQH 80%
    Commercial & Residential Mortgage Finance 14 -48.7%20.2%-0.2% FNMA 448% · FMCC 399% · ACT 167%
    Specialized Finance 3 8.4%31.0%-20.6% HASI -21% · CACC -28%
    Transaction & Payment Processing Services 17 15.8%17.6%-22.2% V 111% · MA 106% · CPAY 69%
    Mortgage REITs 35 -19.0%-7.6%-35.2% RITM 35% · DX 18% · AGNC 11%
    Diversified Capital Markets 20 -58.1%2.5%-68.4% LPLA 80% · TW 39% · WULF -60%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

    Latest Trefis Analyses

    TitleDate
    0DASHBOARDS 
    1Atlantic Union Bankshares Stock Jump Looks Great, But How Secure Is That Gain?10/17/2025
    2Why Atlantic Union Bankshares Stock Moved: AUB Stock Has Gained 17% Since 2022 Fiscal End, Primarily Due To Favorable Change In Price To Sales Multiple (P/S)08/08/2025
    3Atlantic Union Bankshares (AUB) Valuation Ratios Comparison08/08/2025
    4AUB Dip Buy Analysis07/10/2025
    5Atlantic Union Bankshares Market Price03/19/2025
    6Atlantic Union Bankshares Total Shareholder Return (TSR): 7.5% in 2024 and 6.0% 3-yr compounded annual returns (above peer average)03/07/2025
    7Time To Buy Atlantic Union Bankshares Stock?02/28/2025
    8Atlantic Union Bankshares (AUB) Operating Cash Flow Comparison02/17/2025
    9Atlantic Union Bankshares (AUB) Net Income Comparison02/15/2025
    10Atlantic Union Bankshares vs. S&P500 Correlation10/03/2024
    Title
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    Financials

    AUBABCBEBCFULTBOHGBCMedian
    NameAtlantic.Ameris B.Eastern .Fulton F.Bank of .Georgia . 
    Mkt Price40.4084.1222.9524.1171.2235.5137.95
    Mkt Cap5.75.65.04.62.8-5.0
    Rev LTM1,5311,2291,1151,366760-1,229
    Op Inc LTM-------
    FCF LTM524522385412205-412
    FCF 3Y Avg976389301329200-329
    CFO LTM549549406426255-426
    CFO 3Y Avg989409317361228-361

    Growth & Margins

    AUBABCBEBCFULTBOHGBCMedian
    NameAtlantic.Ameris B.Eastern .Fulton F.Bank of .Georgia . 
    Rev Chg LTM46.3%9.1%84.4%5.9%14.2%-14.2%
    Rev Chg 3Y Avg31.3%5.2%54.6%8.0%3.2%-8.0%
    Rev Chg Q2.7%8.8%26.8%12.2%12.9%-12.2%
    QoQ Delta Rev Chg LTM0.7%2.1%6.2%3.0%3.0%-3.0%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM35.9%44.6%36.5%31.2%33.5%-35.9%
    CFO/Rev 3Y Avg92.7%35.4%41.8%29.7%33.1%-35.4%
    FCF/Rev LTM34.2%42.5%34.6%30.2%26.9%-34.2%
    FCF/Rev 3Y Avg91.7%33.7%39.7%27.2%29.2%-33.7%

    Valuation

    AUBABCBEBCFULTBOHGBCMedian
    NameAtlantic.Ameris B.Eastern .Fulton F.Bank of .Georgia . 
    Mkt Cap5.75.65.04.62.8-5.0
    P/S3.74.64.53.43.7-3.7
    P/Op Inc-------
    P/EBIT-------
    P/E11.815.013.311.611.9-11.9
    P/CFO10.510.312.310.811.0-10.8
    Total Yield12.3%7.7%9.9%11.8%12.4%-11.8%
    Dividend Yield3.8%1.0%2.3%3.2%4.0%-3.2%
    FCF Yield 3Y Avg20.2%7.8%8.1%9.1%7.7%-8.1%
    D/E0.30.20.10.40.2-0.2
    Net D/E0.1-0.3-0.0-0.5-1.0--0.3

    Returns

    AUBABCBEBCFULTBOHGBCMedian
    NameAtlantic.Ameris B.Eastern .Fulton F.Bank of .Georgia . 
    1M Rtn4.1%3.3%6.9%5.7%2.8%-7.2%3.7%
    3M Rtn-4.7%-4.4%0.0%-1.3%-10.3%-7.2%-4.5%
    6M Rtn10.6%-0.7%16.8%15.6%-8.4%-7.2%5.0%
    12M Rtn29.2%18.6%34.6%43.8%13.9%-7.2%23.9%
    3Y Rtn42.0%108.0%114.9%91.1%45.9%-7.2%68.5%
    1M Excs Rtn6.4%5.6%9.2%8.0%5.1%-5.0%6.0%
    3M Excs Rtn-3.6%-3.2%1.3%0.2%-8.6%-4.8%-3.4%
    6M Excs Rtn5.9%-5.4%12.1%10.8%-13.1%-11.7%0.2%
    12M Excs Rtn18.9%8.0%25.0%32.2%3.3%-17.3%13.4%
    3Y Excs Rtn-21.3%58.3%32.6%31.1%-15.6%-85.6%7.8%

    Comparison Analyses

    null

    FDIC Bank Data

    Bank Assets

    FDIC Data As Of12312018
    ASSETS 
    Cash Balance ($ Bil)0
    Securities ($ Bil)2
    Net Loans ($ Bil)10
    Trading Assets ($ Bil)0
    Bank Premises Assets ($ Bil)0
    Other Real Estate Owned ($ Bil)0
    Goodwill & Intangibles ($ Bil)1
    Other Assets ($ Bil)1
    Total Assets (Sum) ($ Bil)14
    Total Assets (Reported) ($ Bil)14
    Risk Weighted Assets ($ Bil)11
    SECURITIES DETAILS 
    US Govt Securities ($ Bil)1
    Equity Securities Not Held for Trading ($ Bil)0
    Total Debt Securities ($ Bil)2
    Mortgage-Backed Securities ($ Bil)1
    SECURITIES VALUATION 
    Securities Held to Maturity (Book Value) ($ Bil)0
    Securities Available for Sale (Fair Market) ($ Bil)2

    Bank Loans

    FDIC Data As Of12312018
    LOAN DETAILS 
    All Real Estate Loans ($ Bil)8
    Farm Loans ($ Bil)0
    Commercial and Industrial Loans ($ Bil)1
    Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)1
    Commercial Real Estate Loans not Secured by Real Estate ($ Bil)0
    Commercial Real Estate Owner-Occupied ($ Bil)1
    Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)2
    Total Net Loans ($ Bil)10

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/6/20265/5/20262/26/202611/4/20258/5/20255/7/20252/27/202511/5/20248/6/20245/2/20242/22/202411/2/2023
    Key Financials Quarterly            
    Total Revenue413364385369402212217216207172182178
    Net Income161122112922050587625505754
    EPS1.110.840.770.630.120.530.610.820.250.620.720.68
    Key Financials TTM            
    Total Revenue TTM1,5311,5201,3681,2001,046852812777739707696701
    Net Income TTM487346274220204209209208186216202215
    Growth Rates Quarterly            
    Total Revenue Growth2.7%71.8%77.4%71.0%94.0%23.3%18.9%21.5%18.6%6.5%-2.4%1.7%
    Net Income Growth713.6%145.2%93.8%20.6%-21.3%0.1%1.5%41.5%-54.5%39.6%-19.3%-7.0%
    Margins Quarterly            
    Net Income Margin39.0%33.5%29.1%25.0%4.9%23.5%26.6%35.4%12.2%28.9%31.2%30.4%
    Cash & Debt            
    Total Cash1,0828731,0058611,6882,9143893,1322,9962,5962,5962,478
    Total Debt1,7261,1601,4227697654194787931,1429911,111886
    Net Debt / (Cash)644287417-92-922-2,49589-2,339-1,854-1,605-1,485-1,592
    Cash Flows Quarterly            
    FCF from Operations1501271141571,90462986886575389
    Cash Flows TTM            
    FCF from Operations TTM5492,3032,2372,2212,132313308263285273278318
    Returns to Shareholders Quarterly            
    Dividends565656515131333232242722
    Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC14.5%12.0%10.6%10.0%2.5%-10.9%-64.7%-424.2%-
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM11.0%8.5%6.5%5.9%7.2%-9.8%-119.4%-376.1%-

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Wholesale Banking681423308338327
    Consumer Banking491360305280296
    Corporate Other20335898554
    Total1,374817702703677


    Operating Income by Segment
    $ Mil20152014201320122008
    Community Banks91755146 
    Eliminations00000
    Mortgage-0-5-440
    Community    19
    Total9070475019


    Net Income by Segment
    $ Mil20172016201520142013
    Community Banking7276   
    Mortgage12-0-3-3
    Community Banks  675637
    Total7377675334


    Assets by Segment
    $ Mil20172016201520142013
    Community Banking9,3068,420   
    Mortgage11294585164
    Eliminations-102-86-55-47-58
    Community Banks  7,6907,3554,171
    Total9,3158,4277,6937,3594,177


    Price Behavior

    Price Behavior
    Market Price$40.40 
    Market Cap ($ Bil)5.7 
    First Trading Date08/18/1995 
    Distance from 52W High-6.1% 
       50 Days200 Days
    DMA Price$39.16$38.65
    DMA Trenddownup
    Distance from DMA3.2%4.5%
     3M1YR
    Volatility18.5%25.1%
    Downside Capture56.4869.83
    Upside Capture23.7592.34
    Correlation (S&P 500)10.2%35.6%
    AUB Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta-0.150.210.340.430.711.10
    Up Beta-3.16-1.230.140.120.571.09
    Down Beta-0.33-0.24-0.19-0.090.351.15
    Up Capture39%47%32%68%95%112%
    Bmk +ve Days12182862130427
    Stock +ve Days9182762124367
    Down Capture-17%65%79%71%85%104%
    Bmk -ve Days10253664121325
    Stock -ve Days13253764124380

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with AUB
    AUB29.5%25.1%0.98-
    Sector ETF (XLF)11.6%14.6%0.5259.6%
    Equity (SPY)11.6%12.8%0.5735.7%
    Gold (GLD)-2.3%28.6%-0.099.9%
    Commodities (DBC)43.1%20.9%1.60-26.0%
    Real Estate (VNQ)11.0%13.7%0.5043.6%
    Bitcoin (BTCUSD)-28.8%43.6%-0.669.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with AUB
    AUB5.6%33.0%0.21-
    Sector ETF (XLF)9.0%18.3%0.3568.0%
    Equity (SPY)12.0%17.1%0.5252.0%
    Gold (GLD)16.5%19.0%0.690.3%
    Commodities (DBC)8.4%19.6%0.316.4%
    Real Estate (VNQ)1.1%18.9%-0.0550.0%
    Bitcoin (BTCUSD)4.1%51.6%0.2619.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with AUB
    AUB7.3%36.1%0.29-
    Sector ETF (XLF)13.4%22.1%0.5572.5%
    Equity (SPY)15.2%17.9%0.7253.9%
    Gold (GLD)11.6%16.5%0.57-6.5%
    Commodities (DBC)7.8%18.1%0.3415.3%
    Real Estate (VNQ)5.4%20.7%0.2249.6%
    Bitcoin (BTCUSD)61.7%66.3%1.0113.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity7.6 Mil
    Short Interest: % Change Since 9302026-2.2%
    Average Daily Volume1.2 Mil
    Days-to-Cover Short Interest6.4 days
    Basic Shares Quantity142.1 Mil
    Short % of Basic Shares5.4%

    Returns Analyses

    Earnings Returns History

    Updated 10/29/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/20/20261.2%5.2% 
    7/21/20261.9%0.3%1.7%
    4/21/2026-3.0%-1.9%-5.3%
    1/22/2026-0.8%-2.7%2.6%
    10/23/2025-3.2%-3.5%-5.8%
    7/24/2025-1.8%-4.3%0.0%
    4/24/20250.4%5.1%11.3%
    1/23/2025-3.4%-1.4%-6.1%
    ...
    SUMMARY STATS   
    # Positive91015
    # Negative16159
    Median Positive2.0%2.3%3.6%
    Median Negative-3.1%-3.2%-6.1%
    Max Positive4.4%5.2%20.4%
    Max Negative-15.2%-16.7%-17.2%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/20/20261.2%5.2% 
    7/21/20261.9%0.3%1.7%
    4/21/2026-3.0%-1.9%-5.3%
    1/22/2026-0.8%-2.7%2.6%
    10/23/2025-3.2%-3.5%-5.8%
    7/24/2025-1.8%-4.3%0.0%
    4/24/20250.4%5.1%11.3%
    1/23/2025-3.4%-1.4%-6.1%
    10/21/2024-6.7%-5.2%9.4%
    7/25/20242.0%2.3%-6.3%
    4/23/2024-2.1%-3.0%0.5%
    1/23/2024-1.5%0.1%-6.8%
    10/19/20232.3%-4.4%10.1%
    7/25/2023-4.0%3.4%-4.8%
    4/25/2023-15.2%-16.7%-17.2%
    1/24/20233.9%3.5%3.6%
    10/20/2022-5.3%1.6%4.0%
    7/21/2022-0.3%-3.2%3.4%
    4/21/2022-2.2%-8.7%-10.6%
    1/25/20222.9%2.2%1.0%
    10/25/20211.2%-2.8%-1.8%
    7/22/2021-4.1%-0.5%3.1%
    4/22/2021-2.4%1.2%8.2%
    1/26/2021-5.0%-7.3%6.4%
    10/22/20204.4%-3.1%20.4%
    SUMMARY STATS   
    # Positive91015
    # Negative16159
    Median Positive2.0%2.3%3.6%
    Median Negative-3.1%-3.2%-6.1%
    Max Positive4.4%5.2%20.4%
    Max Negative-15.2%-16.7%-17.2%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/05/202610-Q
    12/31/202502/26/202610-K
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    Insider Activity

    Updated 10/26/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Linderman, Matthew LEVPDirectSell1026202640.007,746309,840418,200Form
    2Agee, Nancy HDirectBuy422202639.0565025,3821,475,973Form
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    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Linderman, Matthew LEVPDirectSell1026202640.007,746309,840418,200Form
    2Agee, Nancy HDirectBuy422202639.0565025,3821,475,973Form

    Investor Activity (13F)

    Updated Nov 3, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$26.5 Mil5.7%35Hold13F
    Active Manager
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$26.5 Mil5.7%35Hold13F

    Industry Resources

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    Core Cache Last Updated: 11/2/2026