Atlantic Union Bankshares (FRA:UIO) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)


FRA:UIO Atlantic Union Bankshares Corp FRA:UIO
68 GF Score
Price €36.80
GF Value €33.17
Valuation Fairly Valued
! 4 Warning Signs
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What is Atlantic Union Bankshares Scaled Net Operating Assets?

Atlantic Union Bankshares FRA:UIO +0.55% 68 Scaled Net Operating Assets is 0.14 as of Mar. 2026. GuruFocus rates FRA:UIO with a GF Score™ of 68/100 and a GF Value™ of €33.17 (Fairly Valued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Atlantic Union Bankshares's operating assets for the quarter that ended in Mar. 2026 was €31,522 Mil. Atlantic Union Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was €26,904 Mil. Atlantic Union Bankshares's Total Assets for the quarter that ended in Dec. 2025 was €32,098 Mil. Therefore, Atlantic Union Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

FRA:UIO
68GF Score
Atlantic Union Bankshares Corp FRA:UIO
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Atlantic Union Bankshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Atlantic Union Bankshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(31295.243-26608.517)/23478.983
=0.20

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=32098.234 - 802.991
=31295.243

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=27822.77 - 659.153 - 555.1
=26608.517

Atlantic Union Bankshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(31522.281-26903.847)/32098.234
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=32277.485 - 755.204
=31522.281

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=27907.231 - 670.359 - 333.025
=26903.847

* 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.

What does a Scaled Net Operating Assets of 0.14 mean?
Atlantic Union Bankshares (FRA:UIO) has a Scaled Net Operating Assets of 0.14 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Atlantic Union Bankshares and its competitors.
Is Atlantic Union Bankshares' Scaled Net Operating Assets too high?
Atlantic Union Bankshares' current Scaled Net Operating Assets is 0.14. 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' Scaled Net Operating Assets compare to HWC and ASB?
Atlantic Union Bankshares' Scaled Net Operating Assets of 0.14 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Atlantic Union Bankshares and its competitors. Atlantic Union Bankshares's current Scaled Net Operating Assets is 0.14. 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 €33.17, compared to a current price of €36.80 — trading 10.9% above its estimated fair value. The current Scaled Net Operating Assets is 0.14. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Atlantic Union Bankshares (FRA:UIO), the current Scaled Net Operating Assets is 0.14 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 10.9% above its estimated GF Value™ of €33.17. GuruFocus considers Atlantic Union Bankshares to be Fairly Valued.

Key valuation signals for FRA:UIO:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: €33.17 vs. price of €36.80 (10.9% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.80
Price
€33.17
GF Value