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 Atlantic Union Bankshares Corporation or National Bank Holdings 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 Atlantic Union Bankshares Corporation and National Bank Holdings Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Atlantic Union Bankshares Corporation and National Bank Holdings Corporation

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. The company operates in two segments, Wholesale Banking and Consumer Banking. It accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. The company provides loans for commercial real estate, 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.

National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, health savings, and other deposit accounts, including fixed-rate and fixed maturity time deposits. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as hospitality, office buildings, warehouse/distribution buildings, multi-family, and retail buildings; small business administration loans to support small businesses and entrepreneurs; term loans, line of credits, and real estate secured loans; residential real estate loans; and consumer loans. In addition, it offers treasury management solutions comprising online and mobile banking, commercial credit card, wire transfer, automated clearing house, electronic bill payment, lock box, remote deposit capture, merchant processing, cash vault, controlled disbursements, and fraud prevention services, as well as positive pay and other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. The company operates through a network of banking centers located in Colorado, the greater Kansas City region, Texas, Utah, Wyoming, New Mexico and Idaho. It also operates ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. The company was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.

Latest Banks and Atlantic Union Bankshares Corporation, National Bank Holdings Corporation Stock News

As of July 30, 2026, Atlantic Union Bankshares Corporation had a $6.0 billion market capitalization, compared to the Banks median of $719.5 million. Atlantic Union Bankshares Corporation’s stock is up 20.1% in 2026, up 0.4% in the previous five trading days and up 28.36% in the past year.

Currently, Atlantic Union Bankshares Corporation’s price-earnings ratio is 18.0. Atlantic Union Bankshares Corporation’s trailing 12-month revenue is $1.4 billion with a 32.3% net profit margin. Year-over-year quarterly sales growth most recently was 86.2%. Analysts expect adjusted earnings to reach $3.767 per share for the current fiscal year. Atlantic Union Bankshares Corporation currently has a 3.5% dividend yield.

As of July 30, 2026, National Bank Holdings Corporation had a $1.9 billion market cap, putting it in the 53rd percentile of all stocks. National Bank Holdings Corporation’s stock is up 13.2% in 2026, down 0.7% in the previous five trading days and up 10.54% in the past year.

Currently, National Bank Holdings Corporation’s price-earnings ratio is 16.1. National Bank Holdings Corporation’s trailing 12-month revenue is $429.2 million with a 21.8% net profit margin. Year-over-year quarterly sales growth most recently was 33.6%. Analysts expect adjusted earnings to reach $3.300 per share for the current fiscal year. National Bank Holdings Corporation currently has a 3.0% dividend yield.

How We Compare Atlantic Union Bankshares Corporation and National Bank Holdings 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 Atlantic Union Bankshares Corporation and National Bank Holdings Corporation’s stock grades to see how they measure up against one another.

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Atlantic Union Bankshares Corporation and National Bank Holdings Corporation Stock Value Grades

Company	Ticker	Value
Atlantic Union Bankshares Corporation	AUB	C
National Bank Holdings Corporation	NBHC	D

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.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Atlantic Union Bankshares Corporation has a Value Score of 51, which is Average. National Bank Holdings Corporation has a Value Score of 39, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither Atlantic Union Bankshares Corporation or National Bank Holdings Corporation has a high enough value 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 portfolio. It’s important to look at a wide range of financial metrics in order to determine if Atlantic Union Bankshares Corporation or National Bank Holdings Corporation is the better investment when it comes to value.

Atlantic Union Bankshares Corporation and National Bank Holdings Corporation’s Quality Grades

Company	Ticker	Quality
Atlantic Union Bankshares Corporation	AUB	F
National Bank Holdings Corporation	NBHC	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.

Atlantic Union Bankshares Corporation has a Quality Score of 7, which is Very Weak. National Bank Holdings Corporation has a Quality Score of 1, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither Atlantic Union Bankshares Corporation or National Bank Holdings 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 Atlantic Union Bankshares Corporation or National Bank Holdings Corporation is the better investment when it comes to quality.

Atlantic Union Bankshares Corporation and National Bank Holdings Corporation’s Momentum Grades

Company	Ticker	Momentum
Atlantic Union Bankshares Corporation	AUB	B
National Bank Holdings Corporation	NBHC	C

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%.

Atlantic Union Bankshares Corporation has a Momentum Score of 67, which is Strong. National Bank Holdings Corporation has a Momentum Score of 47, which is Average.

The Momentum Grade Winner: Atlantic Union Bankshares Corporation

As you can clearly see from the Momentum Grade breakdown above, Atlantic Union Bankshares Corporation is considered to have stronger momentum compared to National Bank Holdings Corporation. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Atlantic Union Bankshares Corporation could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Atlantic Union Bankshares Corporation and National Bank Holdings Corporation Grades

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

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

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.

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 Atlantic Union Bankshares Corporation and National Bank Holdings Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Atlantic Union Bankshares Corporation or National Bank Holdings Corporation Stock?

Overall, Atlantic Union Bankshares Corporation stock has a Value Score of 51, Momentum Score of 67 and Quality Score of 7.

National Bank Holdings Corporation stock has a Value Score of 39, Momentum Score of 47 and Quality Score of 1.

Comparing Atlantic Union Bankshares Corporation and National Bank Holdings 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.