Atlantic Union Bankshares (FRA:UIO) Moat Score: 4/10 (As of Jul. 01, 2026)


FRA:UIO Atlantic Union Bankshares Corp FRA:UIO
68 GF Score
Price €36.80
GF Value €33.37
Valuation Fairly Valued
! 4 Warning Signs
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What is Atlantic Union Bankshares Moat Score?

Atlantic Union Bankshares FRA:UIO +0.55% 68 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates FRA:UIO with a GF Score™ of 68/100 and a GF Value™ of €33.37 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, Atlantic Union Bankshares ranks better than 86.22% on this metric.

Atlantic Union Bankshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Atlantic Union Bankshares has Narrow Moat: Atlantic Union Bankshares has a modest moat due to its regional market leadership and customer loyalty. However, it lacks significant network effects or proprietary technology that would strengthen its position further.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Atlantic Union Bankshares might have Narrow Moat - Discernible but modest moat.

Atlantic Union Bankshares  (FRA:UIO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Atlantic Union Bankshares Moat Score Related Terms

FRA:UIO vs HWC, ASB, HOMB: Moat Score Comparison

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

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

* The bar in red indicates where Atlantic Union Bankshares's Moat Score falls into.


FRA:UIO
68GF Score
Atlantic Union Bankshares Corp FRA:UIO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Atlantic Union Bankshares (FRA:UIO) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Atlantic Union Bankshares ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Atlantic Union Bankshares' Moat Score too high?
Atlantic Union Bankshares' current Moat Score is 4. Based on the distribution chart, Atlantic Union Bankshares ranks #222 out of 1611 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' Moat Score compare to HWC and ASB?
According to the Banks industry distribution chart, Atlantic Union Bankshares ranks #222 out of 1611 companies for Moat Score. This places Atlantic Union Bankshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Atlantic Union Bankshares's current Moat Score is 4. 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 €33.37, compared to a current price of €36.80 — trading 10.3% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Atlantic Union Bankshares (FRA:UIO), the current Moat Score is 4 as of Jul. 01, 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 €36.80 is trading 10.3% above its estimated GF Value™ of €33.37. GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.

Key valuation signals for FRA:UIO:

  • Moat Score: 4
  • GF Value™: €33.37 vs. price of €36.80 (10.3% 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

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

€36.80
Price
€33.37
GF Value