B

Atlantic Union Bankshares Corpo — Earnings Quality Grade B

AUB · Financial Services

Generally healthy

Revenue
$1.4B
2025
Net Income
$274M
2025
Gross Margin
Free Cash Flow
$2.2B
01

Screening Summary

7
Passed
3
Watch
0
Failed
M-Score

管理层信号

查看全部 →
High Risk2026-02-24
Alexander D. Dodd · Executive Vice President任命
3 senior leadership changes within 90 days
SEC
Routine2026-02-24
Robert M. Gorman · Executive Vice President退休
Planned succession
SEC
High Risk2026-02-24
Alexander D. Dodd · Chief Financial Officer临时任命
2 senior leadership changes within 90 days
SEC
Routine2026-02-24
Alexander D. Dodd · director任命
Standard appointment
SEC
High Risk2026-02-24
Alexander D. Dodd · Chief Financial Officer任命
3 senior leadership changes within 90 days
SEC

数据来源:SEC EDGAR 8-K Item 5.02,附 Exhibit 99.1 链接

02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

Insufficient data

A2AR vs Revenue Growth

Insufficient data

A3Revenue vs CFFO

Revenue 68.1%, CFFO 625.3%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

CapEx growth 67.9% vs revenue 68.1%. Normal

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 8.17. Profits backed by cash

C2Free Cash Flow

FCF $2.2B, FCF/NI = 8.13

C3Accruals Ratio

Accruals ratio = -5.2%. Low accruals

!
C4Cash vs Debt

Cash $0.9B covers 66% of debt $1.4B

04

Balance Sheet Health

!
D1Goodwill + Intangibles

Goodwill+Intangibles $2.0B = 41% of equity

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

!
E2Goodwill Surge

Goodwill+Intangibles surged 58% YoY

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

Atlantic Union Bankshares Corpo is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25