Question 1

What is Atlantic Union Bankshares's P/FCF ratio?

Accepted Answer

Atlantic Union Bankshares (AUB) P/FCF ratio is 2.6× as of July 20, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month free cash flow, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/FCF ratio calculated?

Accepted Answer

P/FCF = Market Capitalisation ÷ Trailing Twelve-Month (TTM) Free Cash Flow, where Free Cash Flow = Operating Cash Flow − Capital Expenditures. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/FCF ratio?

Accepted Answer

The price-to-free-cash-flow (P/FCF) ratio compares a company's market capitalisation to its trailing twelve-month (TTM) free cash flow. It is calculated as market cap ÷ TTM free cash flow, where free cash flow = operating cash flow − capital expenditures. Because FCF cannot be inflated by non-cash accounting items, P/FCF is often considered a cleaner measure of "earnings-power valuation" than P/E — especially for capital-intensive businesses where depreciation diverges from real cash outflows.

Question 4

What is a good P/FCF ratio for Atlantic Union Bankshares?

Accepted Answer

Mature companies that consistently convert profit into cash often trade at 15–25× P/FCF; capital-intensive businesses with lumpy capex typically trade lower. Compare against sector peers and against the company's own multi-year average — single-year P/FCF can be distorted by working-capital swings. For Atlantic Union Bankshares specifically, the relevant sector benchmark is the current sector median of 12.0×.

Question 5

Is Atlantic Union Bankshares's P/FCF ratio high or low?

Accepted Answer

Atlantic Union Bankshares's P/FCF ratio of 2.6× is below its own 5-year average of 7.2× and below the sector median of 12.0×. That places the current reading at the 18th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is Atlantic Union Bankshares's historical P/FCF ratio range?

Accepted Answer

In the available daily series, Atlantic Union Bankshares (AUB) P/FCF ratio has ranged from a low of 0.0× in 2011 to a high of 146.7× in 2010. The 5-year average is 7.2× and the 5-year median is 7.5×.

Question 7

What was Atlantic Union Bankshares's P/FCF ratio in 2025?

Accepted Answer

Atlantic Union Bankshares (AUB) P/FCF ratio at the end of 2025 was 2.3×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month free cash flow figure available at that date.

Question 8

Why does Atlantic Union Bankshares's P/FCF ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (free cash flow). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$5B	$2.22B	2.3×	-9.0×	Dec 31, 2025
2024	$3.4B	$301M	11.3×	+1.1×	Dec 31, 2024
2023	$2.74B	$268M	10.2×	+3.7×	Dec 31, 2023
2022	$2.63B	$401M	6.5×	-2.0×	Dec 31, 2022
2021	$2.82B	$328M	8.6×	-4.3×	Dec 31, 2021
2020	$2.59B	$201M	12.9×	-4.0×	Dec 31, 2020
2019	$3.02B	$179M	16.9×	+8.3×	Dec 31, 2019
2018	$1.86B	$217M	8.6×	-7.1×	Dec 31, 2018
2017	$1.58B	$101M	15.7×	-3.0×	Dec 31, 2017
2016	$1.66B	$89.1M	18.7×	+7.9×	Dec 31, 2016
2015	$1.13B	$105M	10.8×	+1.5×	Dec 31, 2015
2014	$1.09B	$118M	9.2×	+5.2×	Dec 31, 2014
2013	$619M	$152M	4.1×	—	Dec 31, 2013
2012	$407M	-$33.8M	—	—	Dec 31, 2012
2011	$0.00	$61.3M	0.0×	0.0×	Dec 31, 2011
2010	$0.00	$43.5M	0.0×	—	Dec 31, 2010
2009	$0.00	-$5.18M	—	—	Dec 31, 2009
2008	$0.00	$12.9M	0.0×	0.0×	Dec 31, 2008
2007	$0.00	$2.45M	0.0×	0.0×	Dec 31, 2007
2006	$0.00	$13.7M	0.0×	0.0×	Dec 31, 2006
2005	$0.00	$24.4M	0.0×	0.0×	Dec 31, 2005
2004	$0.00	$277K	0.0×	0.0×	Dec 31, 2004
2003	$0.00	$25.5M	0.0×	0.0×	Dec 31, 2003
2002	$0.00	$18.5M	0.0×	—	Dec 31, 2002


UMB Financial (UMBF)	8.8×
Federal Agricultural Mortgage (AGM)	8.6×
T. Rowe Price (TROW)	8.6×
First Financial (THFF)	8.3×
Old Republic International (ORI)	8.0×
1st Source (SRCE)	8.0×
Auburn National Bancorporation (AUBN)	7.7×
Eagle Financial Services (EFSI)	7.5×
PayPal (PYPL)	7.5×
Assurant (AIZ)	7.5×
Cincinnati Financial (CINF)	7.1×
Alerus Financial (ALRS)	7.0×
American Financial Group (AFG)	6.8×
Hartford Insurance Group (HIG)	6.5×
Travelers Companies (TRV)	6.3×
Invesco (IVZ)	6.1×
Arch Capital Group (ACGL)	5.9×
Principal Financial Group (PFG)	5.5×
Allstate (ALL)	4.7×
Everest Group (EG)	4.6×
Capital One Financial (COF)	3.9×
Prudential Financial (PRU)	3.5×
Mercury General (MCY)	3.4×
MetLife (MET)	2.8×
StoneX Group (SNEX)	0.8×

P/FCF Ratio for Atlantic Union Bankshares (AUB) 2002-2026

P/FCF Ratio daily chart for Atlantic Union Bankshares (AUB)

Historical P/FCF Ratio for Atlantic Union Bankshares (AUB) from 2002 to 2025

About P/FCF Ratio at Atlantic Union Bankshares (AUB)

Atlantic Union Bankshares P/FCF Ratio by Year

Atlantic Union Bankshares P/FCF Ratio 2025: 2.3×

Atlantic Union Bankshares P/FCF Ratio 2024: 11.3×

Atlantic Union Bankshares P/FCF Ratio 2023: 10.2×

Atlantic Union Bankshares P/FCF Ratio 2022: 6.5×

Atlantic Union Bankshares P/FCF Ratio 2021: 8.6×

Sector peers by P/FCF Ratio — chart

Sector peers by P/FCF Ratio — table

Frequently asked questions

Atlantic Union Bankshares (AUB) Key Financials