* 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 HOMB, OZK, ASB: FCF Margin % Comparison
For the Banks - Regional subindustry, Atlantic Union Bankshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Atlantic Union Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Atlantic Union Bankshares's FCF Margin % falls into.
* 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 FCF Margin % of 33.02% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Atlantic Union Bankshares and its competitors. This is 13% below median its historical median of 37.86. Over the past decade, Atlantic Union Bankshares' FCF Margin % has ranged from 26.68 to 161.89. According to the industry distribution chart, Atlantic Union Bankshares ranks #142 out of 1505 companies in the Banks industry, placing it in the top 9.4%.
Is Atlantic Union Bankshares' FCF Margin % too high?
Atlantic Union Bankshares' current FCF Margin % of 33.02% is 13% below median its 10-year median of 37.86. Over the past 10 years, this metric has ranged from a low of 26.68 to a high of 161.89. The Banks industry median FCF Margin % is 26.42. Atlantic Union Bankshares' value of 33.02% is 25% above this industry median. Based on the distribution chart, Atlantic Union Bankshares ranks #142 out of 1505 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 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlantic Union Bankshares' FCF Margin % compare to HOMB and OZK?
According to the Banks industry distribution chart, Atlantic Union Bankshares ranks #142 out of 1505 companies for FCF Margin %. This places Atlantic Union Bankshares in the top 9% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.42. Atlantic Union Bankshares' value of 33.02% is 25% above this benchmark. Historically, Atlantic Union Bankshares' own FCF Margin % has ranged from 26.68 to 161.89 over the past decade. While the company's 10-year median is 37.86 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic Union Bankshares's current FCF Margin % of 33.02% is 25% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Atlantic Union Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic Union Bankshares's current FCF Margin % is 33.02%, which is 13% below median its own 10-year median of 37.86. 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 €33.23, compared to a current price of €35.40 — trading 6.5% above its estimated fair value. The current FCF Margin % is 33.02%, which is 13% below median its 10-year median of 37.86 and 25% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Atlantic Union Bankshares (FRA:UIO), the current FCF Margin % is 33.02% 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 €33.23.
GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.
Key valuation signals for FRA:UIO:
FCF Margin %: 33.02% (13% below median its 10-year median of 37.86)
GF Value™: €33.23 vs. price of €35.40 (6.5% above fair value)
Industry Position: 25% above the Banks median (#142 of 1505)
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.
68GF Score
Get the complete analysis for FRA:UIO
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:UIO has been successfully added to your 
