Atlantic Union Bankshares Corpo (AUB) Stock Price & How to Invest

Last updated July 2026

Short answer

AUB is Atlantic Union Bankshares, a Glen Allen, Virginia based regional bank that became the largest lower Mid-Atlantic franchise after its April 2025 acquisition of Sandy Spring Bancorp. Investors typically approach it as a scaled, dividend-paying regional bank story whose payoff hinges on realizing merger cost synergies and holding a healthy net interest margin.

AUB stock price

As of 2026-07-10, Atlantic Union Bankshares Corpo (AUB) last closed at $42.06, up 26.9% over the past year. Over the past 52 weeks it has traded between $31.23 and $43.19.

AUB last close
$42.06
1 day
+1.20%
1 month
+8.49%
1 year
+26.92%
52-week range
$31.23 to $43.19
Last close
2026-07-10

Prices are daily closing prices from Yahoo Finance and may be delayed. For the live quote, check your broker or Atlantic Union Bankshares Corpo's investor relations page. Walnut is informational, not investment advice.

What does Atlantic Union Bankshares Corpo (AUB) do?

Atlantic Union Bankshares Corporation (NYSE: AUB) is a bank holding company headquartered in Glen Allen, Virginia, operating through Atlantic Union Bank. It offers community and commercial banking across Virginia, Maryland, and North Carolina, including checking and savings accounts, commercial and consumer lending, credit cards, treasury management, and wealth management. After completing its roughly ~$1.3 billion all-stock acquisition of Sandy Spring Bancorp on April 1, 2026 (closed April 1, 2025), which added about 53 branches and deepened its Maryland presence, AUB describes itself as the largest regional banking franchise headquartered in the lower Mid-Atlantic, with assets above ~$24 billion.

The investment picture centers on scale and integration. The Sandy Spring deal expanded loans, deposits, and geographic reach, and management reported the core system conversion completed in October, which sharply reduced merger-related expenses and lifted profitability. The story now turns on holding a net interest margin near the high-3% range, growing tangible book value, executing an organic North Carolina branch expansion, and keeping credit quality clean, while a mid-3% dividend yield anchors the total-return case. Like all regional banks, AUB carries interest-rate, deposit-cost, and commercial-real-estate sensitivities.

What's driving Atlantic Union Bankshares Corpo (AUB)?

1. Sandy Spring integration and cost synergies

The April 2025 Sandy Spring acquisition roughly reshaped AUB's balance sheet, adding branches across Virginia and Maryland. With the core conversion completed in October and merger costs falling, fourth-quarter 2025 net profit reached ~$109.0 million versus ~$51.2 million a year earlier. Realizing the remaining cost synergies is the central near-term earnings driver.

2. Net interest margin and rate environment

AUB earns most of its money from the spread between loan yields and deposit costs. Its 2026 outlook targets net interest income of ~$1.350 to ~$1.375 billion and a margin around ~3.90% to ~4.00%, though the first quarter of 2026 margin came in near ~3.80%. Where rates and deposit competition settle will shape this spread.

3. Organic growth and tangible book value

Beyond the merger, AUB plans an organic North Carolina expansion of about 10 new branches over three years. Management guided to tangible book value per share growth of roughly ~12% to ~15% for 2026, alongside loan balances near ~$29 to ~$30 billion and deposits of ~$31.5 to ~$32.5 billion.

4. Credit quality and dividend

Asset quality has stayed solid, with nonperforming assets near ~0.36% of loans and net charge-offs around ~0.02% in early 2026. A dividend yield in the mid-3% range, backed by a payout ratio near ~60%, supports the total-return profile for income-oriented holders.

What are the risks to Atlantic Union Bankshares Corpo (AUB)?

As a regional bank, AUB is exposed to interest-rate risk: falling rates can compress its net interest margin, while rising deposit costs can squeeze spreads. Commercial real estate and commercial lending concentration is a standard regional-bank vulnerability if the economy weakens. Integration risk from the large Sandy Spring deal remains, since expected synergies and retained customer relationships are not guaranteed. Revenue in the first quarter of 2026 (~$371.71 million) missed analyst estimates and net interest income declined sequentially, signaling that margin pressure is real. Its geographic concentration in Virginia, Maryland, and North Carolina ties results closely to regional economic conditions.

How is Atlantic Union Bankshares Corpo (AUB) valued? (approximate, JULY 2026)

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Atlantic Union Bankshares Corpo's investor relations page or your broker.

  • Market cap: ~$6.0B
  • Total assets: ~$24B+
  • Q1 2026 revenue: ~$372M
  • Q1 2026 EPS: ~$0.84 (adj ~$0.89)
  • Net interest margin: ~3.80%
  • Dividend yield: ~3.7%

AUB trades as a mid-cap regional bank with a market cap around ~$6.0 billion and assets above ~$24 billion after the Sandy Spring deal. Full-year 2025 adjusted operating earnings were ~$3.44 per diluted common share, and analysts carried an average 12-month price target near ~$45 with a return on equity around ~9.66%. As a bank, valuation is often framed on price-to-tangible-book and earnings rather than revenue multiples.

Who competes with Atlantic Union Bankshares Corpo (AUB)?

Regional Mid-Atlantic banks

TowneBank and other Virginia and Mid-Atlantic regionals compete directly for commercial lending and deposits across AUB's core footprint, with overlapping branch networks and similar community-banking models.

National money-center banks

Wells Fargo, JPMorgan Chase, Bank of America, and Truist operate large branch and digital networks in Virginia, Maryland, and North Carolina, competing on scale, technology, and pricing for both retail and commercial customers.

Community banks and credit unions

Smaller institutions such as Citizens and Farmers Bank and local credit unions compete for local deposits, small-business lending, and consumer relationships in AUB's markets, often on service and community ties.

How to invest in Atlantic Union Bankshares Corpo (AUB)

There are three common ways to get AUB exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic basket, so AUB sits alongside other stocks that express the same thesis.

Walnut takes the basket route. Describe a thesis where AUB fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

The bottom line on Atlantic Union Bankshares Corpo (AUB)

AUB is a newly enlarged Virginia-Maryland regional bank whose case rests on Sandy Spring integration synergies, a stable margin, and a mid-3% dividend, balanced against interest-rate and commercial-real-estate exposure.

More on Atlantic Union Bankshares Corpo (AUB)

Whether AUB is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is AUB a buy?, and where the stock could go from here in the AUB stock forecast.

For income investors, whether AUB pays a dividend and how the payout looks is covered in does AUB pay a dividend?

Build a basket around AUB with Walnut

Use Atlantic Union Bankshares Corpo as one constituent in a thematic basket Walnut's AI helps you assemble. Describe a thesis you believe in, the AI proposes the holdings and weights, and you approve before any broker order.

FAQ

What does Atlantic Union Bankshares (AUB) do?

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AUB is a Virginia-based bank holding company that operates Atlantic Union Bank, offering checking and savings accounts, commercial and consumer loans, credit cards, treasury management, and wealth management across Virginia, Maryland, and North Carolina.

What was the Sandy Spring acquisition?

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AUB completed an all-stock acquisition of Sandy Spring Bancorp on April 1, 2025, valued at roughly ~$1.3 billion. It added about 53 branches and made AUB the largest regional banking franchise headquartered in the lower Mid-Atlantic.

How large is Atlantic Union Bankshares?

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As of JULY 2026 AUB has a market cap around ~$6.0 billion and holds more than ~$24 billion in total assets, with loans near ~$27.9 billion and deposits around ~$30.4 billion after the Sandy Spring merger.

How did AUB perform in early 2026?

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In the first quarter of 2026 AUB reported net income available to common shareholders of ~$119.2 million and EPS of ~$0.84 (adjusted ~$0.89). Revenue of ~$372 million missed estimates and net interest margin eased to ~3.80%.

Does AUB pay a dividend?

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Yes. AUB pays a quarterly dividend with a yield in the mid-3% range as of JULY 2026, supported by a payout ratio near ~60% and a multi-year history of stable dividends.

Who are AUB's main competitors?

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AUB competes with regional Mid-Atlantic banks like TowneBank, national banks such as Wells Fargo, JPMorgan Chase, and Truist, and local community banks and credit unions across its Virginia, Maryland, and North Carolina markets.

What are the main risks for AUB?

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Key risks include net interest margin compression from interest-rate moves, rising deposit costs, commercial real estate and lending concentration, integration risk from the Sandy Spring deal, and geographic concentration in the Mid-Atlantic region.

How is AUB stock typically evaluated?

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As a regional bank, AUB is often assessed on price-to-tangible-book value, earnings per share, net interest margin, credit quality, and dividend yield rather than revenue multiples. Analysts carried an average 12-month price target near ~$45 in early 2026.

Walnut is informational, not investment advice. Financial figures on this page are approximations; always verify current numbers with Atlantic Union Bankshares Corpo's investor relations page or your broker before making investment decisions.