Atlantic Union Bankshares (FRA:UIO) Cyclically Adjusted FCF per Share: €4.36 (As of Mar. 2026)


FRA:UIO Atlantic Union Bankshares Corp FRA:UIO
68 GF Score
Price €36.20
GF Value €34.15
Valuation Fairly Valued
! 4 Warning Signs
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What is Atlantic Union Bankshares Cyclically Adjusted FCF per Share?

Atlantic Union Bankshares FRA:UIO -1.63% 68 Cyclically Adjusted FCF per Share is €4.36 as of Mar. 2026. GuruFocus rates FRA:UIO with a GF Score™ of 68/100 and a GF Value™ of €34.15 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Atlantic Union Bankshares's adjusted free cash flow per share for the three months ended in Mar. 2026 was €0.731. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €4.36 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Atlantic Union Bankshares's average Cyclically Adjusted FCF Growth Rate was 38.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 11.00% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 10.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Atlantic Union Bankshares was 23.30% per year. The lowest was -2.20% per year. And the median was 9.70% per year.

As of today (2026-07-09), Atlantic Union Bankshares's current stock price is €36.20. Atlantic Union Bankshares's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €4.36. Atlantic Union Bankshares's Cyclically Adjusted Price-to-FCF of today is 8.30.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Atlantic Union Bankshares was 20.76. The lowest was 6.20. And the median was 11.71.


Atlantic Union Bankshares  (FRA:UIO) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Atlantic Union Bankshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=36.20/4.36
=8.30

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Atlantic Union Bankshares was 20.76. The lowest was 6.20. And the median was 11.71.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Atlantic Union Bankshares Cyclically Adjusted FCF per Share Related Terms


Atlantic Union Bankshares Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Atlantic Union Bankshares's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Atlantic Union Bankshares Cyclically Adjusted FCF per Share Chart

Atlantic Union Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.67 3.62 3.26 3.51 4.37

Atlantic Union Bankshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.38 4.29 4.31 4.37 4.36

FRA:UIO vs HWC, ASB, HOMB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Atlantic Union Bankshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Atlantic Union Bankshares Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Atlantic Union Bankshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Atlantic Union Bankshares's Cyclically Adjusted Price-to-FCF falls into.


FRA:UIO
68GF Score
Atlantic Union Bankshares Corp FRA:UIO
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Atlantic Union Bankshares Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Atlantic Union Bankshares's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.731/330.2130*330.2130
=0.731

Current CPI (Mar. 2026) = 330.2130.

Atlantic Union Bankshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.418 241.018 0.573
201609 0.507 241.428 0.693
201612 0.455 241.432 0.622
201703 1.012 243.801 1.371
201706 -0.096 244.955 -0.129
201709 0.874 246.819 1.169
201712 0.248 246.524 0.332
201803 0.431 249.554 0.570
201806 0.213 251.989 0.279
201809 1.182 252.439 1.546
201812 0.934 251.233 1.228
201903 0.134 254.202 0.174
201906 0.137 256.143 0.177
201909 0.815 256.759 1.048
201912 0.907 256.974 1.165
202003 0.529 258.115 0.677
202006 0.732 257.797 0.938
202009 0.502 260.280 0.637
202012 0.465 260.474 0.589
202103 0.861 264.877 1.073
202106 0.523 271.696 0.636
202109 1.116 274.310 1.343
202112 1.142 278.802 1.353
202203 1.330 287.504 1.528
202206 1.095 296.311 1.220
202209 1.711 296.808 1.904
202212 1.175 296.797 1.307
202303 0.760 301.836 0.831
202306 0.877 305.109 0.949
202309 1.109 307.789 1.190
202312 0.636 306.746 0.685
202403 0.672 312.332 0.710
202406 0.876 314.175 0.921
202409 0.643 315.301 0.673
202412 0.961 315.605 1.005
202503 0.612 319.799 0.632
202506 11.658 322.561 11.935
202509 0.891 324.800 0.906
202512 0.666 324.054 0.679
202603 0.731 330.213 0.731

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €4.36 mean?
Atlantic Union Bankshares (FRA:UIO) has a Cyclically Adjusted FCF per Share of €4.36 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Atlantic Union Bankshares and its competitors.
Is Atlantic Union Bankshares' Cyclically Adjusted FCF per Share too high?
Atlantic Union Bankshares' current Cyclically Adjusted FCF per Share is €4.36. Overall, Atlantic Union Bankshares has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlantic Union Bankshares' Cyclically Adjusted FCF per Share compare to HWC and ASB?
Atlantic Union Bankshares' Cyclically Adjusted FCF per Share of €4.36 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Atlantic Union Bankshares and its competitors. Atlantic Union Bankshares's current Cyclically Adjusted FCF per Share is €4.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atlantic Union Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Atlantic Union Bankshares (FRA:UIO) is currently considered Fairly Valued. The stock's GF Value™ is €34.15, compared to a current price of €36.20 — trading 6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €4.36. Atlantic Union Bankshares' overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Atlantic Union Bankshares (FRA:UIO), the current Cyclically Adjusted FCF per Share is €4.36 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Atlantic Union Bankshares (FRA:UIO) Overvalued in 2026?

Based on GuruFocus' analysis, Atlantic Union Bankshares stock appears to be overvalued. The current stock price of €36.20 is trading 6% above its estimated GF Value™ of €34.15. GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.

Key valuation signals for FRA:UIO:

  • Cyclically Adjusted FCF per Share: €4.36
  • GF Value™: €34.15 vs. price of €36.20 (6% above fair value)
  • GF Score™: 68/100 with 4 warning signs

No single metric tells the full story. See the FRA:UIO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Atlantic Union Bankshares Business Description

Other Exchanges AUBpA.PFD:USAAUB:USA
Address 4300 Cox Road, Glen Allen, VA, USA, 23060
Atlantic Union Bankshares Corp is a financial and bank holding company based in the U.S. Through its community bank subsidiary and non-bank financial services affiliates, the company provides financial services, including banking, trust, and wealth management. It offers consumers and businesses a wide range of banking and related financial services, including checking, savings, certificates of deposit, and other depository services, as well as loans for commercial, industrial, residential mortgage, and consumer purposes. The company operates through two reportable operating segments: Wholesale Banking and Consumer Banking, with corporate support functions such as corporate treasury and others included in Corporate Other. It derives maximum revenue from the Wholesale Banking segment.
68GF Score

Get the complete analysis for FRA:UIO

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.20
Price
€34.15
GF Value