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AUB vs UBSI
Which Stock Would AI Choose? Atlantic Union Bankshares (AUB) vs. United Bankshares (UBSI) Stock Comparison
Key Takeaways
- Both AUB and UBSI are Mid-Atlantic regional bank holding companies of comparable scale, yet they reflect very different growth narratives and market momentum.
- UBSI has delivered notably stronger relative performance over the past 52 weeks, while AUB trades at a lower valuation and a higher dividend yield.
- AUB's recent period has been defined by the integration of the Sandy Spring Bancorp acquisition and an elevated commercial real estate (CRE) loan concentration.
- UBSI pairs a 52-year streak of consecutive dividend increases with steady Southeast and Florida expansion, giving it a more consistent long-term profile.
- Momentum indicators currently favor UBSI, which has held above its 200-day moving average, whereas AUB has slipped below both its 50- and 200-day averages.
- Neither name is a one-size-fits-all pick; the choice hinges on whether an investor prioritizes valuation and yield (AUB) or trend consistency and dividend durability (UBSI).
Introduction
Investors evaluating regional banks often weigh three things: balance-sheet strength, growth trajectory, and relative valuation. AUB and UBSI offer a clean side-by-side test of those priorities. Both are established financial holding companies operating across the Mid-Atlantic and Southeast, and both have recently expanded through acquisitions. Yet their recent stock behavior has diverged meaningfully. This comparison is relevant to traders tracking momentum and technical positioning, as well as to income-focused and value-oriented investors assessing which regional franchise is better positioned in the current rate and credit environment.
AUB Overview and Recent Performance
Atlantic Union Bankshares Corporation, headquartered in Richmond, Virginia, is the holding company for Atlantic Union Bank. With roughly $37.6 billion in assets, the company operates across wholesale and consumer banking segments, providing commercial, industrial, residential mortgage, and consumer lending alongside wealth management and trust services. The most significant recent development has been the integration of the Sandy Spring Bancorp acquisition, which closed in early 2025 and roughly doubled the bank's balance sheet and loan book.
In recent quarters, AUB has reported sharply higher earnings per share (EPS, the portion of profit allocated to each share) on a year-over-year basis, reflecting the larger balance sheet and an improved net interest margin (NIM, a measure of lending profitability). However, the bank also holds a comparatively high commercial real estate (CRE) concentration — above 59% of its loan portfolio — a factor that draws ongoing attention from investors and regulators. In recent weeks, the stock has traded below its 50- and 200-day moving averages, signaling softer near-term momentum despite generally constructive fundamentals. The company has also authorized a $250 million share repurchase program and sold a non-core insurance stake, simplifying its operations.
UBSI Overview and Recent Performance
United Bankshares, Inc., headquartered in Charleston, West Virginia, is the parent company of United Bank, a roughly $34 billion-asset franchise with more than 240 offices across Washington, D.C., Virginia, West Virginia, Maryland, North Carolina, South Carolina, Georgia, Ohio, and Pennsylvania. The bank is frequently recognized for its capital discipline and its remarkable record of 52 consecutive years of dividend increases — a streak few major U.S. banking companies have matched.
United Bankshares closed its 34th acquisition, Piedmont Bancorp in the Atlanta metro area, in January 2025, extending its Southeast footprint, and it has since announced plans to enter the Florida market through a new Palm Beach office. On a trailing 12-month basis, UBSI has posted strong earnings growth and a return on average assets (ROA, a gauge of how efficiently a bank uses its assets to generate profit) above regional peer medians. The stock has gained approximately 30% over the past 52 weeks and has held above its 200-day moving average, reflecting more consistent upward momentum than its peer, even as it trades modestly below its 50-day average in recent sessions.
Trending AI Robots
For investors who prefer a systematic, data-driven approach, Tickeron's Trending AI Robots page offers a curated view of the platform's AI-powered trading tools. Tickeron hosts hundreds of AI Trading Bots that collectively monitor thousands of different tickers, but only a select subset earns a place in this section. The robots featured there are chosen for their suitability to current market conditions, and each one operates with its own trading style, strategy, timeframe, performance history, and basket of tickers — meaning no two bots are alike. The page highlights bots by metrics such as win rate and recent profitability ranges, helping traders quickly identify approaches aligned with the prevailing market environment. Exploring the Trending AI Robots section is a practical way to see how algorithmic strategies are currently positioning across names like these.
Head-to-Head Comparison
Although the two banks are similar in asset size, their profiles diverge on several dimensions. AUB pursued a transformative acquisition that materially expanded its balance sheet in a single step, creating meaningful earnings accretion but also a higher CRE concentration and a heavier near-term integration burden. UBSI, by contrast, has grown through a long series of smaller, disciplined deals and a measured organic expansion into Florida, resulting in a more diversified geographic and loan mix.
On valuation, AUB is the cheaper name, trading at a lower price-to-earnings (P/E, the share price divided by earnings per share) multiple and offering a higher dividend yield. UBSI commands a higher multiple but justifies it with superior 52-week performance, stronger momentum, and an unmatched dividend-growth record. In terms of risk, AUB's CRE weighting is a focal point for credit-quality watchers, while UBSI's main sensitivities relate to the pace and cost of its newer-market expansion. Sector exposure is broadly similar — both are regional banks tied to interest-rate trends and Mid-Atlantic commercial activity — but their market positioning differs: AUB skews toward valuation recovery, while UBSI currently reflects trend-following strength.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely tilt toward UBSI in the current environment. The bank's stronger 52-week relative performance, its ability to hold above the 200-day moving average, and its exceptional dividend consistency point to a more stable and persistent trend profile. AUB, while attractively valued with a higher yield and a credible post-merger earnings story, has shown weaker recent momentum and carries a more concentrated CRE exposure that introduces additional credit sensitivity. These dynamics suggest UBSI presents a relatively more favorable risk-to-trend balance at this time, though the verdict is probabilistic rather than definitive and could shift as either bank's fundamentals or technical posture evolves.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AUB is a Hold and UBSI is a Hold.
AUB's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for AUB turned positive on October 02, 2026. Looking at past instances where AUB's MACD turned positive, the stock continued to rise in 32 of 47 cases over the following month. The odds of a continued upward trend are 68%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on AUB as a result. In 51 of 89 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 57%.
AUB moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +4.95% 3-day Advance, the price is estimated to grow further. Considering data from situations where AUB advanced for three days, in 167 of 287 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
Bearish Trend Analysis
The RSI Indicator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where AUB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 64%.
AUB broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for AUB entered a downward trend on October 21, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 11 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 42 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.072) is normal, around the industry mean (1.268). P/E Ratio (11.277) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.150) is also within normal values, averaging (1.190). Dividend Yield (0.038) settles around the average of (0.035) among similar stocks. P/S Ratio (3.638) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Price Growth Rating for this company is 51 (best 1 - 100 worst), indicating fairly steady price growth. AUB’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 64 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock slightly worse than average.
The Tickeron PE Growth Rating for this company is 81 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
UBSI's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for UBSI turned positive on October 15, 2026. Looking at past instances where UBSI's MACD turned positive, the stock continued to rise in 32 of 46 cases over the following month. The odds of a continued upward trend are 70%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on UBSI as a result. In 44 of 90 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 49%.
UBSI moved above its 50-day moving average on October 20, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +2.80% 3-day Advance, the price is estimated to grow further. Considering data from situations where UBSI advanced for three days, in 150 of 293 cases, the price rose further within the following month. The odds of a continued upward trend are 51%.
Bearish Trend Analysis
The RSI Indicator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator has been in the overbought zone for 2 days. Expect a price pull-back in the near future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where UBSI declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
UBSI broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for UBSI entered a downward trend on October 16, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 11 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 31 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 33 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 44 (best 1 - 100 worst), indicating steady price growth. UBSI’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 78 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.198) is normal, around the industry mean (1.268). P/E Ratio (13.168) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.260) is also within normal values, averaging (1.190). Dividend Yield (0.031) settles around the average of (0.035) among similar stocks. P/S Ratio (5.184) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
AUB | UBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 85 | 27 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 42 Fair valued | 78 Overvalued | |
PROFIT vs RISK RATING 1..100 | 64 | 31 | |
SMR RATING 1..100 | 11 | 11 | |
PRICE GROWTH RATING 1..100 | 51 | 44 | |
P/E GROWTH RATING 1..100 | 81 | 33 | |
SEASONALITY SCORE 1..100 | 50 | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
AUB's Valuation (42) in the null industry is somewhat better than the same rating for UBSI (78) in the Regional Banks industry. This means that AUB’s stock grew somewhat faster than UBSI’s over the last 12 months.
UBSI's Profit vs Risk Rating (31) in the Regional Banks industry is somewhat better than the same rating for AUB (64) in the null industry. This means that UBSI’s stock grew somewhat faster than AUB’s over the last 12 months.
UBSI's SMR Rating (11) in the Regional Banks industry is in the same range as AUB (11) in the null industry. This means that UBSI’s stock grew similarly to AUB’s over the last 12 months.
UBSI's Price Growth Rating (44) in the Regional Banks industry is in the same range as AUB (51) in the null industry. This means that UBSI’s stock grew similarly to AUB’s over the last 12 months.
UBSI's P/E Growth Rating (33) in the Regional Banks industry is somewhat better than the same rating for AUB (81) in the null industry. This means that UBSI’s stock grew somewhat faster than AUB’s over the last 12 months.
| AUB | UBSI | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 63% | 1 day ago 66% |
| Stochastic ODDS (%) | 1 day ago 57% | 1 day ago 58% |
| Momentum ODDS (%) | 1 day ago 57% | 1 day ago 49% |
| MACD ODDS (%) | 1 day ago 68% | 1 day ago 70% |
| TrendWeek ODDS (%) | 1 day ago 59% | 1 day ago 55% |
| TrendMonth ODDS (%) | 1 day ago 64% | 1 day ago 49% |
| Advances ODDS (%) | 1 day ago 58% | 1 day ago 51% |
| Declines ODDS (%) | 4 days ago 64% | 16 days ago 54% |
| BollingerBands ODDS (%) | 1 day ago 63% | 1 day ago 63% |
| Aroon ODDS (%) | 1 day ago 64% | 1 day ago 60% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
AUB’s FA Score shows that 1 FA rating(s) are green while UBSI’s FA Score has 1 green FA rating(s).
- AUB’s FA Score: 1 green, 4 red.
- UBSI’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
AUB’s TA Score shows that 6 TA indicator(s) are bullish while UBSI’s TA Score has 5 bullish TA indicator(s).
- AUB’s TA Score: 6 bullish, 2 bearish.
- UBSI’s TA Score: 5 bullish, 3 bearish.
Price Growth
AUB (@Regional Banks) experienced а +3.28% price change this week, while UBSI (@Regional Banks) price change was +3.06% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.63%. For the same industry, the average monthly price growth was -0.03%, and the average quarterly price growth was +8.99%.
Reported Earning Dates
AUB is expected to report earnings on Jan 26, 2027.
UBSI is expected to report earnings on Oct 22, 2026.
Industries' Descriptions
@Regional Banks (+2.63% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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AUB and
Correlation & Price change
A.I.dvisor indicates that over the last year, AUB has been closely correlated with UBSI. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if AUB jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To AUB | 1D Price Change % | ||
|---|---|---|---|---|
| AUB | 100% | +3.67% | ||
| UBSI - AUB | 91% Closely correlated | +2.71% | ||
| UCB - AUB | 89% Closely correlated | +3.85% | ||
| FULT - AUB | 88% Closely correlated | +3.64% | ||
| CATY - AUB | 87% Closely correlated | +5.95% | ||
| SSB - AUB | 86% Closely correlated | +2.37% | ||
More | ||||
UBSI and
Correlation & Price change
A.I.dvisor indicates that over the last year, UBSI has been closely correlated with AUB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if UBSI jumps, then AUB could also see price increases.
| Ticker / NAME | Correlation To UBSI | 1D Price Change % | ||
|---|---|---|---|---|
| UBSI | 100% | +2.71% | ||
| AUB - UBSI | 90% Closely correlated | +3.67% | ||
| FULT - UBSI | 89% Closely correlated | +3.64% | ||
| CATY - UBSI | 89% Closely correlated | +5.95% | ||
| TRMK - UBSI | 88% Closely correlated | +2.34% | ||
| HOMB - UBSI | 87% Closely correlated | +2.66% | ||
More | ||||
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