Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in F.N.B. Corporation or Atlantic Union Bankshares Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how F.N.B. Corporation and Atlantic Union Bankshares Corporation compare based on key financial metrics to determine which better meets your investment needs.

About F.N.B. Corporation and Atlantic Union Bankshares Corporation

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. The company was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. It operates in two segments, Wholesale Banking and Consumer Banking. The company accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. It provides loans for commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Glen Allen, Virginia.

Latest Banks and F.N.B. Corporation, Atlantic Union Bankshares Corporation Stock News

As of December 12, 2025, F.N.B. Corporation had a $6.3 billion market capitalization, compared to the Banks median of $517.5 million. F.N.B. Corporation’s stock is up 18.5% in 2025, up 3.6% in the previous five trading days and up 8.42% in the past year.

Currently, F.N.B. Corporation’s price-earnings ratio is 12.5. F.N.B. Corporation’s trailing 12-month revenue is $1.6 billion with a 31.9% net profit margin. Year-over-year quarterly sales growth most recently was 10.5%. Analysts expect adjusted earnings to reach $1.495 per share for the current fiscal year. F.N.B. Corporation currently has a 2.7% dividend yield.

As of December 12, 2025, Atlantic Union Bankshares Corporation had a $5.2 billion market cap, putting it in the 70th percentile of all stocks. Atlantic Union Bankshares Corporation’s stock is down 3.2% in 2025, up 6.6% in the previous five trading days and down 12.49% in the past year.

Currently, Atlantic Union Bankshares Corporation’s price-earnings ratio is 20.9. Atlantic Union Bankshares Corporation’s trailing 12-month revenue is $1.0 billion with a 20.9% net profit margin. Year-over-year quarterly sales growth most recently was 65.3%. Analysts expect adjusted earnings to reach $3.164 per share for the current fiscal year. Atlantic Union Bankshares Corporation currently has a 4.0% dividend yield.

How We Compare F.N.B. Corporation and Atlantic Union Bankshares Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at F.N.B. Corporation and Atlantic Union Bankshares Corporation’s stock grades to see how they measure up against one another.

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F.N.B. Corporation and Atlantic Union Bankshares Corporation’s Quality Grades

Company	Ticker	Quality
F.N.B. Corporation	FNB	D
Atlantic Union Bankshares Corporation	AUB	F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

F.N.B. Corporation has a Quality Score of 27, which is Weak. Atlantic Union Bankshares Corporation has a Quality Score of 4, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither F.N.B. Corporation or Atlantic Union Bankshares Corporation has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if F.N.B. Corporation or Atlantic Union Bankshares Corporation is the better investment when it comes to quality.

F.N.B. Corporation and Atlantic Union Bankshares Corporation’s Momentum Grades

Company	Ticker	Momentum
F.N.B. Corporation	FNB	C
Atlantic Union Bankshares Corporation	AUB	D

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

F.N.B. Corporation has a Momentum Score of 58, which is Average. Atlantic Union Bankshares Corporation has a Momentum Score of 40, which is Weak.

The Momentum Stock Winner: No Clear Winner

Neither F.N.B. Corporation or Atlantic Union Bankshares Corporation has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if F.N.B. Corporation or Atlantic Union Bankshares Corporation is the better investment when it comes to momentum.

F.N.B. Corporation and Atlantic Union Bankshares Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
F.N.B. Corporation	FNB	B
Atlantic Union Bankshares Corporation	AUB	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

F.N.B. Corporation has a Earnings Estimate Score of 61, which is Positive. Atlantic Union Bankshares Corporation has a Earnings Estimate Score of 61, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both F.N.B. Corporation and Atlantic Union Bankshares Corporation have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether F.N.B. Corporation or Atlantic Union Bankshares Corporation is a better fit.

Other F.N.B. Corporation and Atlantic Union Bankshares Corporation Grades

In addition to Momentum, Estimate Revisions and Quality, A+ Investor also provides grades for Value and Growth.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether F.N.B. Corporation and Atlantic Union Bankshares Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, F.N.B. Corporation or Atlantic Union Bankshares Corporation Stock?

Overall, F.N.B. Corporation stock has a Momentum Score of 58, Estimate Revisions Score of 61 and Quality Score of 27.

Atlantic Union Bankshares Corporation stock has a Momentum Score of 40, Estimate Revisions Score of 61 and Quality Score of 4.

Comparing F.N.B. Corporation and Atlantic Union Bankshares Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.