Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Atlantic Union BanksharesAUB -2.36%70 EV-to-OCF is 12.13 as of Aug. 20, 2026, which is 3% above its 10-year median of 11.76. GuruFocus rates AUB with a GF Score™ of 70/100 and a GF Value™ of $39.01 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,496 Banks companies, Atlantic Union Bankshares ranks worse than 77.34% on this metric.
The historical rank and industry rank for Atlantic Union Bankshares's EV-to-OCF or its related term are showing as below:
AUB'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.7 Med: 11.76 Max: 41.14
Current: 12.13
During the past 13 years, the highest EV-to-OCF of Atlantic Union Bankshares was 41.14. The lowest was 1.70. And the median was 11.76.
AUB's EV-to-OCF is ranked worse than 77.34% of 1496
companies
in the Banks industry
Industry Median: 3.885
vs AUB: 12.13
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Atlantic Union Bankshares (NYSE:AUB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Atlantic Union Bankshares's PE Ratio (TTM) for today is calculated as:
Atlantic Union Bankshares's share price for today is $41.36.
Atlantic Union Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.350.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Atlantic Union Bankshares EV-to-OCF Related Terms
Atlantic Union Bankshares EV-to-OCF Historical Data
* 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.
For the Banks - Regional subindustry, Atlantic Union Bankshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Atlantic Union Bankshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Atlantic Union Bankshares's EV-to-OCF falls into.
Atlantic Union Bankshares's current Enterprise Value is $6,659 Mil.
Atlantic Union Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $549 Mil.
* 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 (AUB) has a EV-to-OCF of 12.13 as of Aug. 20, 2026. This is near median its historical median of 11.76. Over the past decade, Atlantic Union Bankshares' EV-to-OCF has ranged from 1.70 to 41.14. According to the industry distribution chart, Atlantic Union Bankshares ranks #1157 out of 1496 companies in the Banks industry, placing it in the top 77.3%.
Is Atlantic Union Bankshares' EV-to-OCF too high?
Atlantic Union Bankshares' current EV-to-OCF of 12.13 is near median its 10-year median of 11.76. Over the past 10 years, this metric has ranged from a low of 1.70 to a high of 41.14. The Banks industry median EV-to-OCF is 3.89. Atlantic Union Bankshares' value of 12.13 is 212.2% above this industry median. Based on the distribution chart, Atlantic Union Bankshares ranks #1157 out of 1496 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Atlantic Union Bankshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlantic Union Bankshares' EV-to-OCF compare to ABCB and HWC?
According to the Banks industry distribution chart, Atlantic Union Bankshares ranks #1157 out of 1496 companies for EV-to-OCF. This places Atlantic Union Bankshares in the lower half of its industry. The industry median EV-to-OCF is 3.89. Atlantic Union Bankshares' value of 12.13 is 212.2% above this benchmark. Historically, Atlantic Union Bankshares' own EV-to-OCF has ranged from 1.70 to 41.14 over the past decade. While the company's 10-year median is 11.76 vs. the industry median of 3.89, Atlantic Union Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.89, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic Union Bankshares's current EV-to-OCF of 12.13 is 212.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic Union Bankshares's current EV-to-OCF is 12.13, which is near median its own 10-year median of 11.76. 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 (AUB) is currently considered Fairly Valued. The stock's GF Value™ is $39.01, compared to a current price of $41.36 — trading 6% above its estimated fair value. The current EV-to-OCF is 12.13, which is near median its 10-year median of 11.76 and 212.2% above the Banks industry median of 3.89. Atlantic Union Bankshares' overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Atlantic Union Bankshares (AUB), the current EV-to-OCF is 12.13 as of Aug. 20, 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 (AUB) Overvalued in 2026?
Based on GuruFocus' analysis, Atlantic Union Bankshares stock appears to be overvalued.
The current stock price of $41.36 is trading 6% above its estimated GF Value™ of $39.01.
GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.
Key valuation signals for AUB:
EV-to-OCF: 12.13 (near median its 10-year median of 11.76)
GF Value™: $39.01 vs. price of $41.36 (6% above fair value)
Industry Position: 212.2% above the Banks median (#1157 of 1496)
No single metric tells the full story. See the AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
70GF Score
Get the complete analysis for AUB
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AUB has been successfully added to your 
