Atlantic Union Bankshares's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Atlantic Union Bankshares (AUB) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Atlantic Union Bankshares vs Its Competitors
- TTM: Trailing 12-month revenue of 1,530M vs -M combined for its competitors (100.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (-1.3% annualized vs trailing 12 months).
- Scale: Atlantic Union Bankshares ranks #25 of 218 companies by market capitalization in the Regional Banks industry, holding 0.7% of industry market cap.
- Peer revenue share: Atlantic Union Bankshares accounted for 100.0% of combined revenue among its tracked peer group, up from 100.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.50M compares with $0.00M for the peer group (114.0x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
AUB Sales vs. its Competitors, Q3 2026
Atlantic Union Bankshares generated 100.00 % of the combined sales of its peer group, up from 100.00 % a year earlier.
API endpoints for this dataset
For context: the Regional Banks industry grew revenue 6.8% year over year, combined, vs 6.4% for Atlantic Union Bankshares. Atlantic Union Bankshares's share of combined industry revenue moved from 0.23% to 0.23%, a gain of 0.00 percentage points.
Atlantic Union Bankshares's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Atlantic Union Bankshares Corporation | Yes | Yes | Yes | No |
| Competitors combined (2) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
AUB Stock Performance relative to its Competitors
AUB Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
| 2 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Atlantic Union Bankshares's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Atlantic Union Bankshares's Comment on Competition and Industry Peers
Publicly Traded Peers of Atlantic Union Bankshares Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Atlantic Union Bankshares Corporation |
5,572.18 | 1,530.49 |
 Bank Bradesco |
13,455.15 | 118.96 |
 Financial Institutions Inc |
792.26 | 243.46 |
| SUBTOTAL | 19,819.59 | 1,892.91 |
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Atlantic Union Bankshares Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Atlantic Union Bankshares's Competitors Named by the Company
Competitive relationships identified from Atlantic Union Bankshares reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Financial Institutions Inc | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Bank Of The James Financial Group Inc | Company report | 85% |
| Middleburg Financial Corp | Company report | 85% |
| C and F Financial Corporation | Company report | 85% |
| North State Bancorp | Company report | 85% |
| Eagle Financial Services Inc | Company report | 85% |
| Skyline Bankshares Inc | Company report | 85% |
| Southern Community Financial Corp | Company report | 85% |
| FB Bancorp, Inc. /MD/ | Company report | 85% |
| United Community Banks Inc | Company report | 85% |
| First Citizens Banc Corp | Company report | 85% |
| First National Corp | Company report | 85% |
| John Marshall Bancorp inc | Company report | 85% |
| Bank Of Kentucky Financial Corp | Company report | 85% |
| Capital Bank Financial Corp. | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Citizens Bancorp Of Virginia Inc | Company report | 85% |
| Patapsco Bancorp Inc | Company report | 85% |
| Community bankers trust corp | Company report | 85% |
| Richmond Mutual Bancorporation Inc | Company report | 85% |
| The Community Financial Corporation | Company report | 85% |
| First Community Bankshares Inc | Company report | 85% |
| Village Bank and Trust Financial Corp | Company report | 85% |
| Primis Financial Corp | Company report | 85% |
| Highlands Bankshares Inc | Company report | 85% |
| Bay Banks Of Virginia Inc | Company report | 85% |
| Blue Ridge Bankshares Inc | Company report | 85% |
| Monarch Financial Holdings, Inc. | Company report | 85% |
| Communityone Bancorp | Company report | 85% |
| New Peoples Bankshares Inc | Company report | 85% |
| Eagle Bancorp Inc | Company report | 85% |
| Park Sterling Corp | Company report | 85% |
| Select Bancorp inc | Company report | 85% |
| First Bancorp | Company report | 85% |
| URSB Bancorp, Inc. | Company report | 85% |
| F and m Bank Corp | Company report | 85% |
| Glen Burnie Bancorp | Company report | 85% |
| Bnc Bancorp | Company report | 85% |
| Live Oak Bancshares Inc | Company report | 85% |
| Commercial Bancgroup, Inc. | Company report | 85% |
| Newbridge Bancorp | Company report | 85% |
| Ecb Bancorp Inc | Company report | 85% |
| Peoples Bancorp Of North Carolina Inc | Company report | 85% |
| Security Midwest Bancorp, Inc. | Company report | 85% |
| Eastern Virginia Bankshares Inc | Company report | 85% |
| United Bankshares Inc | Company report | 85% |
| First Citizens Bancshares Inc | Company report | 85% |
| Yadkin Financial Corporation | Company report | 85% |
| Fvcbankcorp Inc | Company report | 85% |
| Xenith Bankshares, Inc. | Company report | 85% |
| Bcsb Bancorp Inc. | Company report | 85% |
| Carolina Financial Corporation | Company report | 85% |
| Mainstreet Bancshares Inc | Company report | 85% |
| Vantagesouth Bancshares, Inc. | Company report | 85% |
| Old Line Bancshares Inc | Company report | 85% |
| Entegra Financial Corp. | Company report | 85% |
| Partners Bancorp | Company report | 85% |
| Summit Financial Group Inc | Company report | 85% |
| Fauquier Bankshares Inc | Company report | 85% |
| Uwharrie Capital Corp | Company report | 85% |
| Farmers And Merchants Bancshares Inc | Company report | 85% |
| Gouverneur Bancorp, Inc./MD/ | Company report | 85% |
Company report basis, confidence, active dates and source counts for Atlantic Union Bankshares's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Atlantic Union Bankshares's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Atlantic Union Bankshares Corporation | 5,572 | 499,507 | 173,556 |
| Bank Bradesco | 13,455 | 1,449 | 52,215 |
| Financial Institutions Inc | 792 | 385,837 | 130,945 |
| PEERS TOTAL | 14,247 | 4,381 | 52,815 |
Atlantic Union Bankshares's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Atlantic Union Bankshares's industry classification, broader than the peer set above. Market cap in millions of $.Atlantic Union Bankshares ranks #25 of 198 companies by market capitalization in its industry, holding 0.74 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 516, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 113,512 | 15.05 % |
| 2 | Deutsche Bank Aktiengesellschaft | 69,917 | 9.27 % |
| 3 | Fifth Third Bancorp | 48,582 | 6.44 % |
| 4 | State Street Corp | 46,533 | 6.17 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 25 | Atlantic Union Bankshares Corporation | 5,599 | 0.74 % |
Market cap and industry share for the rest of Atlantic Union Bankshares's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-06.
Atlantic Union Bankshares's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 20 | United Bankshares Inc | 6,674 | 32.28 % |
| 21 | Glacier Bancorp Inc | 6,278 | 15.36 % |
| 22 | Home Bancshares Inc | 6,014 | 10.07 % |
| 23 | Hancock Whitney Corporation | 5,825 | 21.29 % |
| 24 | Associated Banc corp | 1,234 | 12.3% |
| 25 | Atlantic Union Bankshares Corporation | 5,599 | 19.10 % |
| 26 | Ameris Bancorp | 1,234 | 12.3% |
| 27 | Flagstar Bank National Association | 1,234 | 12.3% |
| 28 | United Community Banks Inc | 1,234 | 12.3% |
| 29 | Texas Capital Bancshares Inc | 1,234 | 12.3% |
| 30 | First Financial Bankshares Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Atlantic Union Bankshares's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-06. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Atlantic Union Bankshares's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 68.62 % | 50.49 % (avg) | +18.1 pp |
| Capital Intensity (Capex / Revenue) | 1.66 % | 1.38 % (avg) | +0.3 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Atlantic Union Bankshares's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 11.0x | - | - |
| EV / EBITDA | 6.6x | - | - |
| P/B | 1.2x | - | - |
| Return on Equity | 10.50 % | industry aggregate | -1.06 % |
| Return on Invested Capital | - | 4.16 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Atlantic Union Bankshares's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2017 | 2018 | 2019 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 3.43 % | -3.28 % | 25.60 % | 29.60 % | -7.34 % | -1.97 % | 14.48 % | 60.63 % |
| Operating Margin | 33.52 % | 34.69 % | 35.60 % | 43.19 % | 40.94 % | - | - | - |
| Return on Invested Capital | 1.08 % | 4.05 % | 3.68 % | 5.33 % | 1.99 % | 1.04 % | 0.97 % | 0.87 % |
| P/E | 54.3x | 14.5x | 15.5x | 11.5x | 11.9x | 12.4x | 17.2x | 16.3x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Atlantic Union Bankshares's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Atlantic Union Bankshares falls in the Question Mark quadrant: relative market share of 0.05x vs its largest competitor, in an industry growing revenue 11.8% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Atlantic Union Bankshares's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 516 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 1.66 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Atlantic Union Bankshares's dedicated Suppliers and Customers pages, not here.
Atlantic Union Bankshares's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Atlantic Union Bankshares falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Atlantic Union Bankshares's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.05x).
Opportunities
- Industry revenue growing at a healthy 11.8% median pace.
- A meaningful share of competitors (50.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
Atlantic Union Bankshares's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Atlantic Union Bankshares Corporation | 0.02 | 0.10 | 0.30 |
| Bank Bradesco | 90.31 | 6.18 | - |
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Atlantic Union Bankshares's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Atlantic Union Bankshares Corporation | Q3 2026 | +6.4 % | +48.3 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| PEERS TOTAL | -33.1 % | +31.5 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Atlantic Union Bankshares's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Atlantic Union Bankshares Corporation | Q3 2026 | -64.7 % | +0.8 % |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
Atlantic Union Bankshares's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Atlantic Union Bankshares Corporation | 1.41% | 1.43% | 10.50% |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Atlantic Union Bankshares's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Atlantic Union Bankshares Corporation | 10.55 | 3.64 |
| Bank Bradesco | 0.57 | 113.11 |
| Financial Institutions Inc | 9.83 | 3.25 |
| PEERS AVERAGE | 4.04 | 10.47 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.