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Atlantic Union Bankshares (FRA:UIO) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Atlantic Union Bankshares Net Margin % Related Terms
Atlantic Union Bankshares Net Margin % 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: Net Margin % Comparison
For the Banks - Regional subindustry, Atlantic Union Bankshares's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Atlantic Union Bankshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Atlantic Union Bankshares's Net 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 Net Margin % of 39.02% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Atlantic Union Bankshares and its competitors. This is 43% above median its historical median of 27.38. Over the past decade, Atlantic Union Bankshares' Net Margin % has ranged from 20.01 to 39.39. According to the industry distribution chart, Atlantic Union Bankshares ranks #524 out of 1526 companies in the Banks industry, placing it in the top 34.3%.
Is Atlantic Union Bankshares' Net Margin % too high?
Atlantic Union Bankshares' current Net Margin % of 39.02% is 43% above median its 10-year median of 27.38. Over the past 10 years, this metric has ranged from a low of 20.01 to a high of 39.39. The Banks industry median Net Margin % is 27.10. Atlantic Union Bankshares' value of 39.02% is 44% above this industry median. Based on the distribution chart, Atlantic Union Bankshares ranks #524 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Atlantic Union Bankshares has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Atlantic Union Bankshares' Net Margin % compare to ABCB and HWC?
According to the Banks industry distribution chart, Atlantic Union Bankshares ranks #524 out of 1526 companies for Net Margin %. This puts Atlantic Union Bankshares in the upper half of its industry. The industry median Net Margin % is 27.10. Atlantic Union Bankshares' value of 39.02% is 44% above this benchmark. Historically, Atlantic Union Bankshares' own Net Margin % has ranged from 20.01 to 39.39 over the past decade. While the company's 10-year median is 27.38 vs. the industry median of 27.10, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic Union Bankshares's current Net Margin % of 39.02% is 44% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Atlantic Union Bankshares and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic Union Bankshares's current Net Margin % is 39.02%, which is 43% above median its own 10-year median of 27.38. 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 €34.09, compared to a current price of €36.40 — trading 6.8% above its estimated fair value. The current Net Margin % is 39.02%, which is 43% above median its 10-year median of 27.38 and 44% above the Banks industry median of 27.10. Atlantic Union Bankshares' overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Atlantic Union Bankshares (FRA:UIO), the current Net Margin % is 39.02% 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 6.8% above its estimated GF Value™ of €34.09.
GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.
Key valuation signals for FRA:UIO:
Net Margin %: 39.02% (43% above median its 10-year median of 27.38)
GF Value™: €34.09 vs. price of €36.40 (6.8% above fair value)
Industry Position: 44% above the Banks median (#524 of 1526)
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.
71GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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