Atlantic Union Bankshares (FRA:UIO) Cyclically Adjusted PB Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:UIO Atlantic Union Bankshares Corp FRA:UIO
73 GF Score
Price €33.80
GF Value €33.98
Valuation Fairly Valued
! 4 Warning Signs
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What is Atlantic Union Bankshares Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Atlantic Union Bankshares  (FRA:UIO) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Atlantic Union Bankshares Cyclically Adjusted PB Ratio Related Terms


Atlantic Union Bankshares Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Atlantic Union Bankshares's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Atlantic Union Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.36 1.20 1.13 1.15 0.94

Atlantic Union Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio 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 0.83 0.93 0.95 0.92 1.10

FRA:UIO vs ASB, ABCB, HOMB: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Atlantic Union Bankshares's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Atlantic Union Bankshares's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Atlantic Union Bankshares's Cyclically Adjusted PB Ratio falls into.


FRA:UIO
73GF Score
Atlantic Union Bankshares Corp FRA:UIO
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Atlantic Union Bankshares Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Atlantic Union Bankshares's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Atlantic Union Bankshares's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=31.759/333.9520*333.9520
=31.759

Current CPI (Jun. 2026) = 333.9520.

Atlantic Union Bankshares Quarterly Data

Book Value per Share CPI Adj_Book
201609 20.449 241.428 28.286
201612 21.763 241.432 30.103
201703 21.740 243.801 29.779
201706 20.680 244.955 28.193
201709 20.144 246.819 27.255
201712 19.920 246.524 26.984
201803 22.594 249.554 30.235
201806 24.223 251.989 32.102
201809 24.531 252.439 32.452
201812 25.518 251.233 33.920
201903 26.700 254.202 35.077
201906 26.875 256.143 35.039
201909 28.542 256.759 37.123
201912 27.985 256.974 36.368
202003 28.084 258.115 36.335
202006 29.614 257.797 38.362
202009 28.824 260.280 36.983
202012 28.115 260.474 36.046
202103 29.180 264.877 36.790
202106 29.729 271.696 36.541
202109 30.732 274.310 37.414
202112 31.494 278.802 37.724
202203 29.803 287.504 34.618
202206 30.625 296.311 34.515
202209 31.168 296.808 35.069
202212 29.755 296.797 33.480
202303 29.950 301.836 33.137
202306 29.629 305.109 32.430
202309 30.082 307.789 32.639
202312 30.844 306.746 33.580
202403 31.307 312.332 33.474
202406 31.634 314.175 33.625
202409 31.761 315.301 33.640
202412 33.808 315.605 35.773
202503 33.004 319.799 34.465
202506 29.054 322.561 30.080
202509 29.525 324.800 30.357
202512 30.066 324.054 30.984
202603 30.866 330.213 31.215
202606 31.759 333.952 31.759

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book 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.

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

Based on GuruFocus' analysis, Atlantic Union Bankshares stock appears to be undervalued. The current stock price of €33.80 is trading 0.5% below its estimated GF Value™ of €33.98. GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.

Key valuation signals for FRA:UIO:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €33.98 vs. price of €33.80 (0.5% below fair value)
  • GF Score™: 73/100 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.
73GF Score

Get the complete analysis for FRA:UIO

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

€33.80
Price
€33.98
GF Value