Atlantic Union Bankshares Corporation Financial Ratios — AUB/PA

Profitability (USD)

	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	2024 Y	2025 Y
As of date	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	12/31/2024	12/31/2025

Return on Common Equity (%)	6.82	8.26	7.86	7.37	6.8	7.76	7.12	9.85	8.72	5.84	9.3	8.76	7.71	6.92	6.43
Return on Assets (%)	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	0.91	0.88
Return on Capital (%)	4.67	5.25	4.41	4.23	4.18	4.4	3.52	4.99	5.09	4.36	8.25	6.82	5.42	5.74	5.45
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.92	25.75	25.15	22.47	28.9	31.86	31.17	35.62	35	27.51	47.57	40.21	34.46	32	24.64
Profit Margin (%)	16	18.33	18.29	16.67	21.45	24.24	21.66	29.03	29.29	23.36	39.39	33.68	28.99	25.76	20.01
Net Income to Common Margin (%)	14.59	18.33	18.29	16.67	21.45	24.24	21.66	29.03	29.29	22.53	37.62	31.98	27.28	24.3	19.15
Effective Tax Rate (%)	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	19.5	18.78
Dvd Payout Ratio (%)	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	56.78	68.84
Sustainable Growth Rate (%)	5.21	6.17	5	3.77	3.85	4.32	3.63	6.02	5.19	2.82	6.19	5.34	4	2.99	2

Credit (USD)

Credit Ratios API ChatGPT

	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	2024 Y	2025 Y
As of date	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	12/31/2024	12/31/2025

Total Debt	216	275	411	643	595	931	1,170	1,717	1,448	590	389	1,406	1,111	478	1,422
ST Debt	- -	78	212	343	304	518	745	1,049	370	100	- -	1,016	720	60	650
LT Debt	216	197	199	300	291	413	425	668	1,077	490	389	390	391	418	772
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.79	10.64	10.49	13.28	12.94	11.88	11.23	13.98	14.31	13.8	13.51	11.6	12.08	12.78	13.32
Long-Term Debt/Equity (%)	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	13.31	15.42
Long-Term Debt/Capital (%)	33.84	27.73	23.48	18.49	18.31	21.39	19.19	18.36	27.2	14.85	12.54	10.32	10.66	11.55	12.01
Long-Term Debt/Total Assets (%)	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	1.7	2.05
Total Debt/Equity (%)	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	15.22	28.4
Total Debt/Capital (%)	33.84	38.7	48.39	39.67	37.42	48.18	52.8	47.15	36.55	17.88	12.54	37.21	30.3	13.21	22.12
Total Debt/Total Assets (%)	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	1.95	3.78
Net Debt to Equity	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	4.08	9.62
Net Debt/Capital (%)	22.04	30.62	43.54	34.31	31.33	42.9	48.14	43.07	29.47	3.51	-17.87	31.43	22.61	3.92	8.78
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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	2024 Y	2025 Y
As of date	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	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.79	10.64	10.49	13.28	12.94	11.88	11.23	13.98	14.31	13.8	13.51	11.6	12.08	12.78	13.32
Long-Term Debt/Equity (%)	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	13.31	15.42
Long-Term Debt/Capital (%)	33.84	27.73	23.48	18.49	18.31	21.39	19.19	18.36	27.2	14.85	12.54	10.32	10.66	11.55	12.01
Long-Term Debt/Total Assets (%)	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	1.7	2.05
Total Debt/Equity (%)	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	15.22	28.4
Total Debt/Capital (%)	33.84	38.7	48.39	39.67	37.42	48.18	52.8	47.15	36.55	17.88	12.54	37.21	30.3	13.21	22.12
Total Debt/Total Assets (%)	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	1.95	3.78
CFO/Total Liabilities	2.04	-0.6	4.2	1.99	1.66	1.26	1.33	1.83	1.29	1.37	1.95	2.32	1.49	1.44	6.87
CFO/CapEx	13	- -	- -	- -	- -	- -	11.91	- -	12.26	7.84	35.94	147	54.51	41.72	180.26
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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	2024 Y	2025 Y
As of date	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	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	96	83	73	132	141	179	199	261	398	491	800	318	364	350	940
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	216	275	411	643	595	931	1,170	1,717	1,448	590	389	1,406	1,111	478	1,422
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	637	711	849	1,620	1,591	1,932	2,217	3,642	3,961	3,298	3,099	3,779	3,667	3,621	6,428
Total Debt/Capital (%)	33.84	38.7	48.39	39.67	37.42	48.18	52.8	47.15	36.55	17.88	12.54	37.21	30.3	13.21	22.12
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	190	193	188	313	313	320	337	504	661	677	670	696	696	812	1,368
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	71	-22	157	127	111	94	110	217	195	232	338	420	278	308	2,237
TTM Free Cash Flow to Firm	66	-22	157	127	111	94	101	217	179	202	328	417	273	301	2,225

Multiples (USD)

Valuation Multiples API ChatGPT

	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	2024 Y	2025 Y
As of date	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	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.05	26.38	22.8	15.12	21	23.11
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.7	28	24.7	21.02	22.98	24.33
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.75	28.69	28	26.1	25.93	25.53
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Per Share Data Items (USD)

Per-Share Data API ChatGPT

No data availableFinancial data will appear here once available