Atlantic Union Bankshares Corporation Financial Ratios — AUBAP

Profitability (USD)

	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Return on Common Equity (%)	1.63	11.06	12.95	14.95	13.25	17.65	19.77	20.48	17.43	29.49	31.17	21.68	31.43	23.41	17.79
Return on Assets (%)	0.33	0.71	0.79	0.88	0.83	0.9	0.89	0.96	0.82	1.27	1.24	0.85	1.33	1.16	0.97
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	8.4	10.82	14.13	10.5	9.63	8.56	8.12	7.34	7.38	5.15	5.96	6.28	7.57	6.53	5.88
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	8.2	17	21.92	25.45	24.82	22.22	28.53	31.45	30.74	35.12	34.48	27.13	47.57	40.21	34.46
Profit Margin (%)	7.41	12.37	16	18.12	18.05	16.49	21.17	23.93	21.36	28.62	28.86	23.04	39.39	33.68	28.99
Net Income to Common Margin (%)	2.55	11.45	14.59	18.12	18.05	16.49	21.17	23.93	21.36	28.62	28.86	22.22	37.62	31.98	27.28
Effective Tax Rate (%)	9.62	27.24	27.01	28.81	27.27	25.79	25.79	25.47	31.24	16.73	16.24	15.07	17.2	16.23	15.87
Dvd Payout Ratio (%)	55.05	29.45	23.66	25.33	36.48	48.87	43.35	44.36	49.04	38.82	40.45	51.69	33.45	39.03	48.13
Sustainable Growth Rate (%)	0.73	7.81	9.89	11.17	8.42	9.02	11.2	11.39	8.88	18.04	18.56	10.47	20.91	14.27	9.23

Credit (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Debt	316	239	216	275	411	643	595	931	1,170	1,717	1,448	590	389	1,406	1,111
ST Debt	115	24	- -	78	212	343	304	518	745	1,049	370	100	- -	1,016	720
LT Debt	200	215	216	197	199	300	291	413	425	668	1,077	490	389	390	391
Total Debt/EBITDA	33.3	11.9	8.02	13.41	22.4	23.73	23.14	39.16	46.43	65.22	36.21	13.68	7.66	30.94	27.13
Net Debt/EBITDA	28.51	8.89	4.43	9.38	18.43	18.85	17.65	31.64	38.54	55.31	26.26	2.29	-8.1	23.93	18.23
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.94	5.32	5.75	6.08	6.46	4.37	4.64	4.74	4.69	4.03	3.91	3.67	4.41	4.98	5.28
Long-Term Debt/Equity (%)	71.01	50.27	51.16	45.23	45.49	30.65	29.26	41.29	40.64	34.73	42.88	18.08	14.34	16.43	15.3
Long-Term Debt/Capital (%)	40.47	44.96	49	37.6	29.3	31.07	30.57	31.07	26.46	29.43	50.47	37.39	30.54	16.08	17.55
Long-Term Debt/Total Assets (%)	7.74	5.61	5.52	4.81	4.77	4.07	3.79	4.9	4.57	4.86	6.14	2.5	1.94	1.91	1.85
Total Debt/Equity (%)	111.85	55.76	51.16	63.12	93.75	65.76	59.8	92.98	111.84	89.22	57.61	21.78	14.34	59.25	43.46
Total Debt/Capital (%)	63.74	49.87	49	52.48	60.37	66.65	62.49	69.97	72.8	75.59	67.81	45.02	30.54	57.99	49.86
Total Debt/Total Assets (%)	12.19	6.22	5.52	6.72	9.84	8.73	7.74	11.05	12.56	12.47	8.24	3	1.94	6.87	5.25
Net Debt to Equity	95.74	41.65	28.27	44.14	77.12	52.24	45.63	75.12	92.84	75.66	41.77	3.64	-15.16	45.83	29.21
Net Debt/Capital (%)	60.07	42.63	34.68	43.57	55.62	61.36	55.97	65.31	68.96	72.42	60.44	12.03	-86.86	51.63	40.06
EBITDA	9	20	27	21	18	27	26	24	25	26	40	43	51	45	41
EBITDA-CapEx	3	18	21	21	18	27	26	24	16	26	24	14	41	43	36
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.94	5.32	5.75	6.08	6.46	4.37	4.64	4.74	4.69	4.03	3.91	3.67	4.41	4.98	5.28
Long-Term Debt/Equity (%)	71.01	50.27	51.16	45.23	45.49	30.65	29.26	41.29	40.64	34.73	42.88	18.08	14.34	16.43	15.3
Long-Term Debt/Capital (%)	40.47	44.96	49	37.6	29.3	31.07	30.57	31.07	26.46	29.43	50.47	37.39	30.54	16.08	17.55
Long-Term Debt/Total Assets (%)	7.74	5.61	5.52	4.81	4.77	4.07	3.79	4.9	4.57	4.86	6.14	2.5	1.94	1.91	1.85
Total Debt/Equity (%)	111.85	55.76	51.16	63.12	93.75	65.76	59.8	92.98	111.84	89.22	57.61	21.78	14.34	59.25	43.46
Total Debt/Capital (%)	63.74	49.87	49	52.48	60.37	66.65	62.49	69.97	72.8	75.59	67.81	45.02	30.54	57.99	49.86
Total Debt/Total Assets (%)	12.19	6.22	5.52	6.72	9.84	8.73	7.74	11.05	12.56	12.47	8.24	3	1.94	6.87	5.25
CFO/Total Liabilities	0.05	1.34	2.04	-0.6	4.2	1.99	1.66	1.26	1.33	1.83	1.29	1.37	1.95	2.23	1.42
CFO/CapEx	0.18	20.55	13	- -	- -	- -	- -	- -	11.91	- -	12.26	7.84	35.94	141.49	51.75
Altman's Z-Score	0.13	0.11	0.12	0.12	0.13	0.1	0.1	0.1	0.1	0.09	0.09	0.08	0.09	0.1	0.1

Working Capital (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

API ChatGPT

	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	45	60	96	83	73	132	141	179	199	261	398	491	800	318	364
+ Preferred Equity and Hybrid Capital	- -	36	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	316	239	216	275	411	643	595	931	1,170	1,717	1,448	590	389	1,406	1,111
Enterprise Value	270	214	-501	-393	-339	-592	-449	-195	-3	-319	-896	-2,442	-3,892	-1,654	-1,484
Total Capital	495	479	440	524	681	964	952	1,330	1,607	2,272	2,135	1,310	1,273	2,424	2,228
Total Debt/Capital (%)	63.74	49.87	49	52.48	60.37	66.65	62.49	69.97	72.8	75.59	67.81	45.02	30.54	57.99	49.86
Total Debt / EV	1.17	1.12	-0.43	-0.7	-1.21	-1.09	-1.33	-4.78	-412.5	-5.39	-1.62	-0.24	-0.1	-0.85	-0.75
EV/Sales	2.39	1.15	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	28.51	10.66	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	238.8	4.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	36.27	4.45	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	270	214	119	192	338	510	454	752	971	1,456	1,050	99	-411	1,088	747
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	113	185	190	195	190	316	317	324	341	511	671	687	670	696	696
TTM EBITDA	9	20	27	21	18	27	26	24	25	26	40	43	51	45	41
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	46	71	-22	157	127	111	94	110	217	195	232	338	404	264
TTM Free Cash Flow to Firm	7	48	77	-22	157	127	111	94	120	217	211	261	347	407	269

Multiples (USD)

API ChatGPT

	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	270	214	-501	-393	-339	-592	-449	-195	-3	-319	-896	-2,442	-3,892	-1,654	-1,484
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.05	26.38	22.8	15.12
EV/Sales	2.39	1.15	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	28.51	10.66	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	2.39	1.15	0.63	0.98	1.78	1.61	1.43	2.32	2.84	2.85	1.57	0.14	- -	1.56	1.07
EV/Sales High	2.39	1.15	0.63	0.98	1.78	1.61	1.43	2.32	2.84	2.85	1.57	0.14	- -	1.56	1.07
EV/Sales Low	2.39	1.15	0.63	0.98	1.78	1.61	1.43	2.32	2.84	2.85	1.57	0.14	- -	1.56	1.07
EV/EBITDA Average	28.51	10.66	4.43	9.38	18.43	18.85	17.65	31.64	38.54	55.31	26.26	2.29	-8.1	23.94	18.23
EV/EBITDA High	28.51	10.66	4.43	9.38	18.43	18.85	17.65	31.64	38.54	55.31	26.26	2.29	-8.1	23.94	18.23
EV/EBITDA Low	28.51	10.66	4.43	9.38	18.43	18.85	17.65	31.64	38.54	55.31	26.26	2.29	-8.1	23.94	18.23
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.24	22.85	21.56	19.91
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.75	28.69	28	26.1
Enterprise Value Average	270	214	119	192	338	510	454	752	971	1,456	1,050	99	-411	1,088	747
Enterprise Value High	270	214	119	192	338	510	454	752	971	1,456	1,050	99	-411	1,088	747
Enterprise Value Low	270	214	119	192	338	510	454	752	971	1,456	1,050	99	-411	1,088	747

Shares Outstanding	18	26	26	25	25	45	45	44	44	66	80	79	76	75	75
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Atlantic Union Bankshares Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)