AUB Atlantic Union Bankshares margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 92

Gross margin

100%

Operating margin

40.9%

EBITDA margin

42.2%

Net margin

32.3%

At present, Atlantic Union Bankshares reports a gross margin of 100%, an operating margin of 40.9%, an EBITDA margin of 42.2%, and a net margin of 32.3%. The strongest improvement was in operating margin, up 14.2 percentage points; the remaining margins remained unchanged.

AUB margin history

Gross, operating, EBITDA and net margin trends

Atlantic Union Bankshares's margins averaged 100% gross, 32.56% operating, 34.16% EBITDA, and 26.57% net during the last 3 years. Against the three-year averages, operating, EBITDA, and net margins are above their three-year averages.

AUB margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 14.2 percentage points, EBITDA margin by 14 percentage points, and net margin by 9.9 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

14.2pp

EBITDA margin expansion

14pp

Net margin expansion

9.9pp

AUB Gross margin

Atlantic Union Bankshares's gross margin averaged 100% over the last 3 years. Compared with its three-year average, Atlantic Union Bankshares's current gross margin is 100% and is in line with its three-year average. Over the last 3 years, Atlantic Union Bankshares's gross margin peaked at 100% in Jun 2026 and reached a low of 100% in Dec 2023.

AUB Operating margin

Over the last 3 years, the average operating margin for Atlantic Union Bankshares was 32.56%. The current operating margin of 40.9% is 8.3 percentage points above its three-year average. Atlantic Union Bankshares's operating margin ranged from a low of 25.4% in Sep 2025 to a high of 40.9% in Jun 2026.

AUB EBITDA margin

Across the last 3 years, Atlantic Union Bankshares's EBITDA margin averaged 34.16%. Atlantic Union Bankshares's current EBITDA margin is 42.2% and is 8 percentage points above its three-year average. EBITDA margin was highest at 42.2% in Jun 2026 and lowest at 26.9% in Sep 2025.

AUB Net margin

Looking back over the last 3 years, Atlantic Union Bankshares recorded an average net margin of 26.57%. Compared with its three-year average, Atlantic Union Bankshares's current net margin is 32.3% and is 5.7 percentage points above its three-year average. The highest net margin for Atlantic Union Bankshares was 32.3% in Jun 2026, while the lowest was 20.9% in Sep 2025.

AUB margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, AUB is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.9%, Atlantic Union Bankshares's gross margin is 19% higher.

AUB margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Atlantic Union Bankshares's gross margin?

For the period ending Jun 30, 2026, AUB recorded a gross margin of 100%.

What is Atlantic Union Bankshares's operating margin?

As of Jun 30, 2026, AUB has an operating margin of 40.9%.

What is Atlantic Union Bankshares's EBITDA margin?

For the period ending Jun 30, 2026, AUB recorded an EBITDA margin of 42.2%.

What is Atlantic Union Bankshares's net margin?

For the period ending Jun 30, 2026, AUB recorded a net margin of 32.3%.

What are the average margins of AUB?

Atlantic Union Bankshares's gross, operating, EBITDA, and net margins averaged 100.0% gross, 32.6% operating, 34.2% EBITDA, and 26.6% net over the last 3 years.

What are the highest historical margins of AUB?

Over the last 5 years, Atlantic Union Bankshares's highest margins were 100% gross in Jun 2026, 45.2% operating in Dec 2021, 45.3% EBITDA in Dec 2021, and 35.8% net in Dec 2021.

What are the lowest historical margins of AUB?

Looking back across 5 years, AUB reached its lowest margins at 100% gross in Dec 2021, 25.4% operating in Sep 2025, 26.9% EBITDA in Sep 2025, and 20.9% net in Sep 2025.