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Atlantic Union Bankshares (FRA:UIO) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Atlantic Union Bankshares Equity-to-Asset Related Terms
Atlantic Union Bankshares Equity-to-Asset 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.
FRA:UIO vs ABCB, HWC, ASB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Atlantic Union Bankshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Atlantic Union Bankshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Atlantic Union Bankshares's Equity-to-Asset falls into.
Atlantic Union Bankshares Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Atlantic Union Bankshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (FRA:UIO) has a Equity-to-Asset of 0.14 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Atlantic Union Bankshares and its competitors. This is near median its historical median of 0.13. Over the past decade, Atlantic Union Bankshares' Equity-to-Asset has ranged from 0.11 to 0.15. According to the industry distribution chart, Atlantic Union Bankshares ranks #256 out of 1524 companies in the Banks industry, placing it in the top 16.8%.
Is Atlantic Union Bankshares' Equity-to-Asset too high?
Atlantic Union Bankshares' current Equity-to-Asset of 0.14 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. Atlantic Union Bankshares' value of 0.14 is 40% above this industry median. Based on the distribution chart, Atlantic Union Bankshares ranks #256 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Atlantic Union Bankshares has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlantic Union Bankshares' Equity-to-Asset compare to ABCB and HWC?
According to the Banks industry distribution chart, Atlantic Union Bankshares ranks #256 out of 1524 companies for Equity-to-Asset. This places Atlantic Union Bankshares in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Atlantic Union Bankshares' value of 0.14 is 40% above this benchmark. Historically, Atlantic Union Bankshares' own Equity-to-Asset has ranged from 0.11 to 0.15 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic Union Bankshares's current Equity-to-Asset of 0.14 is 40% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Atlantic Union Bankshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic Union Bankshares's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.13. 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 €34.33, compared to a current price of €36.40 — trading 6% above its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.13 and 40% above the Banks industry median of 0.10. Atlantic Union Bankshares' overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Atlantic Union Bankshares (FRA:UIO), the current Equity-to-Asset is 0.14 as of Jun. 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 €36.40 is trading 6% above its estimated GF Value™ of €34.33.
GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.
Key valuation signals for FRA:UIO:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.13)
GF Value™: €34.33 vs. price of €36.40 (6% above fair value)
Industry Position: 40% above the Banks median (#256 of 1524)
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 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
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