Atlantic Union BanksharesFRA:UIO -2.65%68 Return-on-Tangible-Equity is 16.52% as of Mar. 2026, which is 30% above its 10-year median of 12.71. GuruFocus rates FRA:UIO with a GF Score™ of 68/100 and a GF Value™ of €33.41 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Atlantic Union Bankshares ranks better than 60.01% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Atlantic Union Bankshares's annualized net income for the quarter that ended in Mar. 2026 was €423 Mil. Atlantic Union Bankshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €2,559 Mil. Therefore, Atlantic Union Bankshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.52%.
The historical rank and industry rank for Atlantic Union Bankshares's Return-on-Tangible-Equity or its related term are showing as below:
FRA:UIO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.83 Med: 12.71 Max: 15.54
Current: 12.84
During the past 13 years, Atlantic Union Bankshares's highest Return-on-Tangible-Equity was 15.54%. The lowest was 9.83%. And the median was 12.71%.
FRA:UIO's Return-on-Tangible-Equity is ranked better than 60.01% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs FRA:UIO: 12.84
Atlantic Union Bankshares (FRA:UIO) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Atlantic Union Bankshares Return-on-Tangible-Equity Related Terms
Atlantic Union Bankshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Atlantic Union Bankshares's Return-on-Tangible-Equity can be seen below:
* 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 Return-on-Tangible-Equity Chart
FRA:UIO vs HWC, ASB, HOMB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Atlantic Union Bankshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Atlantic Union Bankshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Atlantic Union Bankshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.52% mean?
Atlantic Union Bankshares (FRA:UIO) has a Return-on-Tangible-Equity of 16.52% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Atlantic Union Bankshares and its competitors. This is 30% above median its historical median of 12.71. Over the past decade, Atlantic Union Bankshares' Return-on-Tangible-Equity has ranged from 9.83 to 15.54. According to the industry distribution chart, Atlantic Union Bankshares ranks #609 out of 1523 companies in the Banks industry, placing it in the top 40%.
Is Atlantic Union Bankshares' Return-on-Tangible-Equity too high?
Atlantic Union Bankshares' current Return-on-Tangible-Equity of 16.52% is 30% above median its 10-year median of 12.71. Over the past 10 years, this metric has ranged from a low of 9.83 to a high of 15.54. The Banks industry median Return-on-Tangible-Equity is 11.19. Atlantic Union Bankshares' value of 16.52% is 47.6% above this industry median. Based on the distribution chart, Atlantic Union Bankshares ranks #609 out of 1523 companies in the Banks industry, which is above the industry midpoint. 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' Return-on-Tangible-Equity compare to HWC and ASB?
According to the Banks industry distribution chart, Atlantic Union Bankshares ranks #609 out of 1523 companies for Return-on-Tangible-Equity. This puts Atlantic Union Bankshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Atlantic Union Bankshares' value of 16.52% is 47.6% above this benchmark. Historically, Atlantic Union Bankshares' own Return-on-Tangible-Equity has ranged from 9.83 to 15.54 over the past decade. While the company's 10-year median is 12.71 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic Union Bankshares's current Return-on-Tangible-Equity of 16.52% is 47.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Atlantic Union Bankshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic Union Bankshares's current Return-on-Tangible-Equity is 16.52%, which is 30% above median its own 10-year median of 12.71. 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 €33.41, compared to a current price of €36.80 — trading 10.1% above its estimated fair value. The current Return-on-Tangible-Equity is 16.52%, which is 30% above median its 10-year median of 12.71 and 47.6% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Atlantic Union Bankshares (FRA:UIO), the current Return-on-Tangible-Equity is 16.52% 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 €36.80 is trading 10.1% above its estimated GF Value™ of €33.41.
GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.
Key valuation signals for FRA:UIO:
Return-on-Tangible-Equity: 16.52% (30% above median its 10-year median of 12.71)
GF Value™: €33.41 vs. price of €36.80 (10.1% above fair value)
Industry Position: 47.6% above the Banks median (#609 of 1523)
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
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