Atlantic Union Bankshares (FRA:UIO) E10: €2.37 (As of Mar. 2026)


FRA:UIO Atlantic Union Bankshares Corp FRA:UIO
68 GF Score
Price €35.40
GF Value €33.24
Valuation Fairly Valued
! 4 Warning Signs
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What is Atlantic Union Bankshares E10?

Atlantic Union Bankshares FRA:UIO +1.14% 68 E10 is €2.37 as of Mar. 2026. GuruFocus rates FRA:UIO with a GF Score™ of 68/100 and a GF Value™ of €33.24 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Atlantic Union Bankshares's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.727. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €2.37 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Atlantic Union Bankshares's average E10 Growth Rate was 4.50% per year. During the past 3 years, the average E10 Growth Rate was 5.00% per year. During the past 5 years, the average E10 Growth Rate was 8.80% per year. During the past 10 years, the average E10 Growth Rate was 9.60% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Atlantic Union Bankshares was 14.40% per year. The lowest was -3.70% per year. And the median was 3.10% per year.

As of today (2026-06-25), Atlantic Union Bankshares's current stock price is €35.40. Atlantic Union Bankshares's E10 for the quarter that ended in Mar. 2026 was €2.37. Atlantic Union Bankshares's Shiller PE Ratio of today is 14.94.

During the past 13 years, the highest Shiller PE Ratio of Atlantic Union Bankshares was 32.91. The lowest was 8.90. And the median was 17.28.


Atlantic Union Bankshares  (FRA:UIO) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Atlantic Union Bankshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=35.40/2.37
=14.94

* 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 Shiller P/E Ratio of Atlantic Union Bankshares was 32.91. The lowest was 8.90. And the median was 17.28.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Atlantic Union Bankshares E10 Related Terms


Atlantic Union Bankshares E10 Historical Data

* Premium members only.

The historical data trend for Atlantic Union Bankshares's E10 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 E10 Chart

Atlantic Union Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.85 2.18 2.28 2.52 2.35

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
E10 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 2.43 2.27 2.30 2.35 2.37

FRA:UIO vs HOMB, OZK, ASB: E10 Comparison

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

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

* The bar in red indicates where Atlantic Union Bankshares's Shiller PE Ratio falls into.


FRA:UIO
68GF Score
Atlantic Union Bankshares Corp FRA:UIO
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Atlantic Union Bankshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.727/330.2130*330.2130
=0.727

Current CPI (Mar. 2026) = 330.2130.

Atlantic Union Bankshares Quarterly Data

per share eps CPI Adj_EPS
201606 0.392 241.018 0.537
201609 0.419 241.428 0.573
201612 0.455 241.432 0.622
201703 0.411 243.801 0.557
201706 0.365 244.955 0.492
201709 0.394 246.819 0.527
201712 0.296 246.524 0.396
201803 0.203 249.554 0.269
201806 0.616 251.989 0.807
201809 0.497 252.439 0.650
201812 0.589 251.233 0.774
201903 0.416 254.202 0.540
201906 0.522 256.143 0.673
201909 0.590 256.759 0.759
201912 0.621 256.974 0.798
202003 0.081 258.115 0.104
202006 0.346 257.797 0.443
202009 0.628 260.280 0.797
202012 0.592 260.474 0.751
202103 0.563 264.877 0.702
202106 0.872 271.696 1.060
202109 0.799 274.310 0.962
202112 0.522 278.802 0.618
202203 0.490 287.504 0.563
202206 0.747 296.311 0.832
202209 0.747 296.808 0.831
202212 0.850 296.797 0.946
202303 0.411 301.836 0.450
202306 0.646 305.109 0.699
202309 0.637 307.789 0.683
202312 0.660 306.746 0.710
202403 0.570 312.332 0.603
202406 0.232 314.175 0.244
202409 0.739 315.301 0.774
202412 0.573 315.605 0.600
202503 0.481 319.799 0.497
202506 0.104 322.561 0.106
202509 0.537 324.800 0.546
202512 0.658 324.054 0.671
202603 0.727 330.213 0.727

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €2.37 mean?
Atlantic Union Bankshares (FRA:UIO) has a E10 of €2.37 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Atlantic Union Bankshares and its competitors.
Is Atlantic Union Bankshares' E10 too high?
Atlantic Union Bankshares' current E10 is €2.37. 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' E10 compare to HOMB and OZK?
Atlantic Union Bankshares' E10 of €2.37 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Atlantic Union Bankshares and its competitors. Atlantic Union Bankshares's current E10 is €2.37. 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 €33.24, compared to a current price of €35.40 — trading 6.5% above its estimated fair value. The current E10 is €2.37. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Atlantic Union Bankshares (FRA:UIO), the current E10 is €2.37 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 €35.40 is trading 6.5% above its estimated GF Value™ of €33.24. GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.

Key valuation signals for FRA:UIO:

  • E10: €2.37
  • GF Value™: €33.24 vs. price of €35.40 (6.5% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€35.40
Price
€33.24
GF Value