AUB

Atlantic Union Bankshares Corporation

68
Fundamentals82/ 100
Valuation61/ 100
Upside potential65/ 100
Risk potential14/ 100

AUB's fundamentals are strong: revenue grew 29% and its operating margin rose 21 points to 43%. At 11x earnings, it's trading below its usual 13x. Analysts expect earnings growth.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

AUB Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

AUB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like AUB.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

AUB PE Valuation

CHEAPFAIREXPENSIVE5.6x11x17x22x
CHEAPFAIREXPENSIVE5.6x11x17x22x
LevelPEPriceVs current
Forward9.9x$39.49โ€”
Cheap11x$39.88+1%
Current11x$39.49โ€”
Fair13x$47.62+21%
Expensive17x$62.29+58%

Historical ranges are pointers, not guarantees.

AUB's PE is in its cheap range at 11x. If earnings grow as analysts expect, today's price would be 9.9x next year's earnings.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

AUB Forward outlook

MetricOutlook
Improving
Growth
Stable
Strongly improving
Limited
High

Analysts expect AUB's earnings to grow and its profitability to improve, with its revenue holding steady.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

AUB Risk to reward

ScenarioChangePrice
Upside+26%$49.59
Downside-14%$33.97

Calculated from the latest close: $39.49 on Nov 12.

There is not enough scenario data to compare AUB and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare AUB and IREN's risk to reward.

AUB Earnings Per Share

Q4 2023: $2.53Q1 2024: $2.71Q2 2024: $2.26Q3 2024: $2.40Q4 2024: $2.24Q1 2025: $2.14Q2 2025: $2.01Q3 2025: $1.82Q4 2025: $2.03Q1 2026: $2.35Q2 2026: $3.34Q3 2026: $3.65Forward: $3.99
Q4 2023: $2.53Q1 2024: $2.71Q2 2024: $2.26Q3 2024: $2.40Q4 2024: $2.24Q1 2025: $2.14Q2 2025: $2.01Q3 2025: $1.82Q4 2025: $2.03Q1 2026: $2.35Q2 2026: $3.34Q3 2026: $3.65Forward: $3.99
QuarterTTM EPSYoY
Forward$3.99+9.2%
Q3 2026$3.65+101%
Q2 2026$3.34+66%
Q1 2026$2.35+9.8%
Q4 2025$2.03-9.4%
Q3 2025$1.82-24%
Q2 2025$2.01-11%
Q1 2025$2.14-21%
Q4 2024$2.24-11%

AUB has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

AUB Quarterly Revenue

Q4 2023: $184MQ1 2024: $173MQ2 2024: $208MQ3 2024: $217MQ4 2024: $218MQ1 2025: $213MQ2 2025: $403MQ3 2025: $371MQ4 2025: $387MQ1 2026: $367MQ2 2026: $415MQ3 2026: $383M
Q4 2023: $184MQ1 2024: $173MQ2 2024: $208MQ3 2024: $217MQ4 2024: $218MQ1 2025: $213MQ2 2025: $403MQ3 2025: $371MQ4 2025: $387MQ1 2026: $367MQ2 2026: $415MQ3 2026: $383M
QuarterRevenueYoY
Q3 2026$383.2M+3.3%
Q2 2026$415.4M+3.1%
Q1 2026$367.2M+72%
Q4 2025$387.2M+77%
Q3 2025$371M+71%
Q2 2025$402.9M+93%
Q1 2025$213.3M+23%
Q4 2024$218.5M+19%

AUB's revenue has grown year over year for 11 quarters in a row: $383M last quarter, up 3.3% from the same quarter a year ago.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.

AUB Free Cash Flow

Q4 2023: $48MQ1 2024: $57MQ2 2024: $86MQ3 2024: $68MQ4 2024: $98MQ1 2025: $62MQ2 2025: $1.9BQ3 2025: $157MQ4 2025: $114MQ1 2026: $127MQ2 2026: $150MQ3 2026: $182M
Q4 2023: $48MQ1 2024: $57MQ2 2024: $86MQ3 2024: $68MQ4 2024: $98MQ1 2025: $62MQ2 2025: $1.9BQ3 2025: $157MQ4 2025: $114MQ1 2026: $127MQ2 2026: $150MQ3 2026: $182M
QuarterFree cash flowYoY
Q3 2026$182.5M+16%
Q2 2026$150.2M-92%
Q1 2026$127.3M+105%
Q4 2025$114.5M+16%
Q3 2025$156.9M+132%
Q2 2025$1.9B+2123%
Q1 2025$62M+8.8%
Q4 2024$98.3M+103%

AUB has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

AUB Total Shares

Q4 2023: 75MQ1 2024: 75MQ2 2024: 90MQ3 2024: 90MQ4 2024: 88MQ1 2025: 90MQ2 2025: 142MQ3 2025: 142MQ4 2025: 129MQ1 2026: 142MQ2 2026: 142MQ3 2026: 142M
Q4 2023: 75MQ1 2024: 75MQ2 2024: 90MQ3 2024: 90MQ4 2024: 88MQ1 2025: 90MQ2 2025: 142MQ3 2025: 142MQ4 2025: 129MQ1 2026: 142MQ2 2026: 142MQ3 2026: 142M
PeriodChange %Net change
Quarterly-0.5%-679K shares
1 year-0.2%-345K shares
3 years+89%+66.6M shares
5 years+86%+65.3M shares
Available history+76%+61.4M shares

AUB has the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

AUB Net Leverage

Q4 2023: 3.6xQ1 2024: 2.4xQ2 2024: 3.0xQ3 2024: 1.1xQ4 2024: 0.6xQ1 2025: 0.1xQ2 2025: -2.4xQ3 2025: 0.2xQ4 2025: 1.3xQ1 2026: 1.0xQ2 2026: 1.3xQ3 2026: 1.2x
Q4 2023: 3.6xQ1 2024: 2.4xQ2 2024: 3.0xQ3 2024: 1.1xQ4 2024: 0.6xQ1 2025: 0.1xQ2 2025: -2.4xQ3 2025: 0.2xQ4 2025: 1.3xQ1 2026: 1.0xQ2 2026: 1.3xQ3 2026: 1.2x
QuarterNet LeverageStatus
Q3 20261.2xHealthy
Q2 20261.3xHealthy
Q1 20261.0xHealthy
Q4 20251.3xHealthy
Q3 20250.2xVery low
Q2 2025-2.4xNet Cash
Q1 20250.1xVery low
Q4 20240.6xVery low

AUB's net debt is about 1.2 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like AUB.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

AUB Weekly Momentum

MetricValueStatus
RSI50.5Neutral
Stochastic38.8Neutral

AUB's weekly RSI is 50 (neutral) and its Stochastic is 39 (neutral).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

AUB PE vs Financial Services Sector

MetricAUBSector medianRelative
PE11x13x17% below
PE %136350 pts below

AUB is trading at 11x earnings, a 17% discount to the Financial Services sector's median of 13x.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

AUB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$38.91.4% above
20 week MA$40.52.4% below
50 week MA$38.81.9% above
100 week MA$35.910% above
200 week MA$34.813% above

AUB has the edge over IREN on trend strength, trading above more of its moving averages.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

AUB Yearly ROI

YearStart priceEnd priceROI
2020$37.9$32.9-13%
2021$32.9$37.4+14%
2022$37.4$34.9-6.7%
2023$34.9$36.5+4.6%
2024$36.5$38.1+4.2%
2025$38.1$36.4-4.4%
2026 YTD$36.4$39.5+8.5%

AUB has the edge over IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to โˆ’93% in 2022. It's down 52% so far in 2026.

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