Industry Revenue Breakdown:

• Loan Issuance: 60%
• Deposit Management: 25%
• Asset Management and Other Services: 15%

TOP 3 Markets:

• Virginia: 50%
• North Carolina: 20%
• Maryland: 15%

Atlantic Union Bankshares Corporation generates the majority of its revenue from loan issuance, followed by deposit management and asset management services. Geographically, Virginia is the largest market, attributed to its strong local presence and customer base. North Carolina and Maryland follow, with these markets also making significant contributions to the total revenue. Focusing on these regions allows the bank to offer its services strategically and benefit from local economic growth opportunities.

Production: No physical product production

Atlantic Union Bankshares Corporation is a financial services company and not a production company. It offers banking services such as deposits, loans, and asset management. Therefore, the company does not produce physical products. Instead, it focuses on providing financial services in the regions where it operates, mainly in the US state of Virginia and adjacent areas.

Growth Strategy: Expansion through Acquisitions and Digitalization (2025)

Atlantic Union Bankshares Corporation is pursuing a strategy focused on expansion through targeted acquisitions and enhanced digitalization. The company plans to expand its market presence in the southeastern USA by acquiring smaller, regional banks. These acquisitions are intended not only to increase the customer base but also to create synergies leading to cost savings.

In addition, Atlantic Union Bankshares is heavily investing in the digitalization of its services. This includes enhancing its online banking platforms and introducing new digital products to meet changing customer needs. These measures are aimed at increasing customer satisfaction and improving the bank's efficiency.

Through this dual strategy, the company aims to strengthen its competitiveness and achieve sustainable growth.

Current data on specific raw material imports of Atlantic Union Bankshares Corporation are not available.

Atlantic Union Bankshares Corporation is a financial services company and not a production or manufacturing firm. Therefore, it does not import raw materials or materials as an industrial or manufacturing company would. Instead, the company focuses on banking services, including lending, deposit management, and asset management.

In the financial industry, the "raw materials" are more intangible, such as capital, data, and information. These are not imported but generated and managed through financial markets and customer interactions.

Return on Equity (ROE): 9.8% (2024)
Cost Efficiency Ratio: 58.2% (2024)
Market Share in Virginia: 10% (estimated, 2024)

Atlantic Union Bankshares Corporation has a moderate competitive advantage in its main market, especially in Virginia, where it holds a significant market share. The return on equity of 9.8% demonstrates solid profitability compared to many competitors in the regional banking sector.

The cost efficiency ratio of 58.2% indicates that the company operates efficiently, giving it an advantage over less efficient banks. The strong regional presence and operational efficiency are key factors supporting the company's competitive advantage.

Additionally, the bank could benefit from its ability to adapt to changing market conditions and integrate new technologies to enhance its services and retain customers.

Institutional Investor Share: 70% (2025, estimated)

Insider Buys/Sells: No significant changes in the last quarter (2025, estimated)

The institutional investor share in Atlantic Union Bankshares Corporation is approximately 70%. This demonstrates a strong trust from institutional investors in the company, often indicating a stable financial performance and good growth prospects.

There were no significant insider buys or sells in the last quarter, suggesting that the management and other insiders do not anticipate significant changes in the company's value at the moment. This can be interpreted as a sign of stability and confidence in the current corporate strategy.

Market share of Atlantic Union Bankshares Corporation (AUB): Estimated at around 1-2% in the regional banking market (2025)

Top competitors and their market shares:

1. Bank of America - approx. 10% (national)
2. Wells Fargo - approx. 8% (national)
3. Truist Financial Corporation - approx. 7% (regional/strong in the Southeastern USA)
4. PNC Financial Services - approx. 6% (national)
5. U.S. Bancorp - approx. 5% (national)
6. Fifth Third Bancorp - approx. 4% (regional)
7. Regions Financial Corporation - approx. 3% (regional)
8. KeyCorp - approx. 3% (regional)

Moat of Atlantic Union Bankshares Corporation:

Atlantic Union Bankshares Corporation has a moderate moat, mainly based on its strong regional presence and customer loyalty. The advantage lies in deep roots within local communities and a good understanding of regional market needs. This enables them to offer tailored financial products that meet the specific requirements of their customers.

In comparison to larger national banks like Bank of America or Wells Fargo, which have more extensive resources and a broader product portfolio, the moat of Atlantic Union Bankshares is less pronounced. These larger banks often have a technological edge and can leverage economies of scale more effectively.

However, Atlantic Union Bankshares can score points through their local expertise and personalized customer service, which can be a crucial advantage in certain market segments. Overall, the moat is limited compared to the top competitors, but still significant in their specific market segment.

Revenue Growth: 8.5% (2024) Profit Growth: 7.2% (2024) Return on Equity: 10.5% (2024)

Atlantic Union Bankshares Corporation recorded solid revenue growth of 8.5% in 2024. This indicates a stable business development supported by improved efficiency and expansion of the customer base.

The 7.2% increase in profit during the same period shows that the company is able to effectively manage its costs while increasing its profitability. A return on equity of 10.5% is another positive indicator, suggesting efficient use of equity.

Overall, Atlantic Union Bankshares Corporation appears to have a stable financial foundation, making it a potentially good investment, especially for investors interested in long-term growth. However, it is advisable to consider other factors such as market conditions and the company's strategic initiatives before making a final investment decision.

Dividend Yield: 3.2% (estimated for 2025)
Dividend History: Continuous payout for over 10 years

Atlantic Union Bankshares Corporation has a solid history of dividend payouts and is known for its reliable payments. The estimated dividend yield of 3.2% in 2025 indicates an attractive return for investors seeking regular income from dividends.

The continuity of payouts for over a decade demonstrates the company's commitment to providing value to its shareholders. This is supported by stable financial performance and a conservative dividend policy based on sustainable growth.

Analysts expect that Atlantic Union Bankshares Corporation will continue to be able to reliably pay dividends in the future, provided that economic conditions do not deteriorate significantly.