Atlantic Union [AUBAP] vs Epam Systems [EPAM] Detailed Stock Comparison

Atlantic Union Bankshares Corporation

NASDAQ

Epam Systems Inc.

NYSE

TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Atlantic Union Bankshares Corporation wins in 3 metrics, Epam Systems Inc. wins in 5 metrics, with 0 ties. Epam Systems Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	Atlantic Union Bankshares Corporation	Epam Systems Inc.	Better
P/E Ratio (TTM)	8.08	19.66	Atlantic Union Bankshares Corporation
Price-to-Book Ratio	N/A	1.95	N/A
Debt-to-Equity Ratio	0.15	3.91	Atlantic Union Bankshares Corporation
PEG Ratio	N/A	2.10	N/A
EV/EBITDA	N/A	8.49	N/A
Profit Margin (TTM)	N/A	6.92%	N/A
Operating Margin (TTM)	N/A	11.86%	N/A
EBITDA Margin (TTM)	N/A	11.86%	N/A
Return on Equity	6.28%	10.34%	Epam Systems Inc.
Return on Assets (TTM)	N/A	7.55%	N/A
Free Cash Flow (TTM)	$301.06M	$612.69M	Epam Systems Inc.
1-Year Return	5.73%	-44.14%	Atlantic Union Bankshares Corporation
Price-to-Sales Ratio (TTM)	2.78	1.31	Epam Systems Inc.
Enterprise Value	$2.40B	$6.00B	Epam Systems Inc.
EV/Revenue Ratio	2.93	1.10	Epam Systems Inc.
Gross Profit Margin (TTM)	N/A	30.07%	N/A
Revenue per Share (TTM)	N/A	$98	N/A
Earnings per Share (Diluted)	N/A	$6.72	N/A
Beta (Stock Volatility)	N/A	1.73	N/A
Short % of Float	N/A	18.10%	N/A

Atlantic Union Bankshares Corporation vs Epam Systems Inc. Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
Atlantic Union Bankshares Corporation	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Epam Systems Inc.	-2.79%	-4.14%	-0.32%	-32.35%	-56.29%	-53.75%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Atlantic Union Bankshares Corporation	5.73%	-0.86%	1.85%	1.08%	1.08%	1.08%
Epam Systems Inc.	-44.14%	-56.55%	-81.32%	39.40%	583.24%	583.24%

Performance & Financial Health Analysis: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Metric	AUBAP	EPAM
Market Information
Market Cap i	$2.27B	$6.54B
Market Cap Category	Mid cap	Mid cap
10 Day Avg. Volume i	9,190	1,469,681
90 Day Avg. Volume i	11,508	1,259,624
Last Close	$25.27	$92.72
52 Week Range	$22.86 - $25.93	$89.25 - $222.53
% from 52W High	-2.55%	-58.33%
All-Time High	$28.69 (Jul 26, 2021)	$725.40 (Nov 01, 2021)
% from All-Time High	-11.92%	-87.22%
Growth Metrics
Quarterly Revenue Growth	0.03%	0.13%
Quarterly Earnings Growth	0.22%	0.06%
Financial Health
Profit Margin (TTM) i	N/A	0.07%
Operating Margin (TTM) i	N/A	0.12%
Return on Equity (TTM) i	0.06%	0.10%
Debt to Equity (MRQ) i	0.15	3.91
Cash & Liquidity
Book Value per Share (MRQ)	N/A	$67.75
Cash per Share (MRQ)	N/A	$23.94
Operating Cash Flow (TTM) i	$251.66M	$654.93M
Levered Free Cash Flow (TTM) i	$197.26M	$725.31M
Dividends
Last 12-Month Dividend Yield i	N/A	N/A
Last 12-Month Dividend i	N/A	N/A

Valuation & Enterprise Metrics Analysis: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Metric	AUBAP (Jul 10, 2025)	EPAM (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i	8.08	19.66
Forward P/E i	N/A	9.48
PEG Ratio i	N/A	2.10
Price to Sales (TTM) i	2.78	1.31
Price to Book (MRQ) i	N/A	1.95
Market Capitalization
Market Capitalization i	$2.27B	$6.54B
Enterprise Value i	$2.40B	$6.00B
Enterprise Value Metrics
Enterprise to Revenue i	2.93	1.10
Enterprise to EBITDA i	N/A	8.49
Risk & Other Metrics
Beta i	N/A	1.73
Book Value per Share (MRQ) i	N/A	$67.75

Financial Statements Comparison: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

Metric	AUBAP (2024)	EPAM (2025)
Revenue/Sales i	817.42M	5.46B
Cost of Goods Sold i	N/A	3.88B
COGS % of Revenue i	0.0%	71.2%
Gross Profit i	N/A	1.57B
Gross Margin i	0.0%	28.8%
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	520.00M
Operating Margin i	0.0%	9.5%
EBITDA i	N/A	712.01M
EBITDA Margin i	0.0%	13.0%
Pre-Tax Income i	259.79M	505.62M
Pre-Tax Income % of Revenue i	31.8%	9.3%
Income Tax i	50.66M	127.95M
Income Tax % of Revenue i	6.2%	2.3%
Net Income (Profit) i	209.13M	377.68M
Profit Margin i	25.6%	6.9%

Balance Sheet & Liquidity Metrics

Metric	AUBAP (2024)	EPAM (2025)
Cash & Equivalents i	350.13M	1.30B
Total Current Assets i	N/A	2.53B
Total Current Assets % of Revenue i	0.0%	46.4%
Total Current Liabilities i	N/A	976.94M
Total Current Liabilities % of Revenue i	0.0%	17.9%
Long-Term Debt i	418.30M	106.53M
Long-Term Debt % of Revenue i	51.2%	2.0%
Total Shareholders Equity i	3.14B	3.68B
Retained Earnings i	1.10B	2.27B
Retained Earnings % of Revenue i	135.0%	41.6%
Property, Plant & Equipment i	N/A	114.88M

Cash Flow Statement Comparison

Metric	AUBAP (2024)	EPAM (2025)
Operating Cash Flow i	251.66M	544.02M
Operating Cash Flow % of Revenue i	30.8%	10.0%
Capital Expenditures i	-7.39M	-42.24M
Free Cash Flow i	301.06M	612.69M
FCF Margin i	36.8%	11.2%
Debt Repayment i	N/A	-8.26M
Common Stock Repurchase i	0	-662.16M

Short Interest & Institutional Ownership Analysis

Metric	AUBAP	EPAM
Shares Short i	N/A	6.77M
Short Ratio i	N/A	5.44
Short % of Float i	N/A	18.10%
Shares Outstanding i	89.77M	54.27M
Float Shares i	N/A	52.13M
% Held by Insiders i	N/A	3.17%
% Held by Institutions i	N/A	112.99%
% Held by Public i	N/A	-16.16%

Dividend Analysis & Yield Comparison: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Metric	AUBAP	EPAM
Last 12-Month Dividend i	N/A	N/A
Last 12-Month Dividend Yield i	N/A	N/A
3-Year Avg Annual Dividend i	N/A	N/A
3-Year Avg Dividend Yield i	N/A	N/A
3-Year Total Dividends i	N/A	N/A
Ex-Dividend Date	N/A	N/A

Metric	AUBAP (Dec 31, 2024)	EPAM (Dec 31, 2025)
Operating Cash Flow i	46.67M	137.43M
Operating Cash Flow % of Revenue i	21.0%	9.8%
Capital Expenditures i	-850,000	-14.78M
Free Cash Flow i	97.44M	268.11M
FCF Margin i	43.8%	19.0%
Debt Repayment i	N/A	-6.42M
Common Stock Repurchase i	N/A	-223.53M

Atlantic Union [AUBAP] vs Epam Systems [EPAM] Detailed Stock Comparison

Atlantic Union Bankshares Corporation

Epam Systems Inc.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete Atlantic Union Bankshares Corporation Investment Analysis: Compare with Industry Leaders

Ever Wonder Which Stock is Really the Better Pick?

What You'll Actually Learn (in Plain English)

💰 Which Stock is Cheaper

🏥 Which Company is Healthier

📈 Which Has Been Growing Faster

💵 Which Pays You Better

Atlantic Union Bankshares Corporation vs Epam Systems Inc. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Valuation & Enterprise Metrics Analysis: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Financial Statements Comparison: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Financial Metrics

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

AUBAP (Annual)

AUBAP (Quarterly)

EPAM (Annual)

EPAM (Quarterly)

Financial Statements Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Short Interest & Institutional Ownership Analysis

Dividend Analysis & Yield Comparison: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Metric	AUBAP (Dec 31, 2024)	EPAM (Dec 31, 2025)
Revenue/Sales i	222.52M	1.41B
Cost of Goods Sold i	N/A	984.35M
COGS % of Revenue i	0.0%	69.9%
Gross Profit i	N/A	423.20M
Gross Margin i	0.0%	30.1%
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	149.25M
Operating Margin i	0.0%	10.6%
EBITDA i	N/A	195.72M
EBITDA Margin i	0.0%	13.9%
Pre-Tax Income i	71.30M	143.82M
Pre-Tax Income % of Revenue i	32.0%	10.2%
Income Tax i	13.52M	34.47M
Income Tax % of Revenue i	6.1%	2.4%
Net Income (Profit) i	57.79M	109.35M
Profit Margin i	26.0%	7.8%

Atlantic Union [AUBAP] vs Epam Systems [EPAM] Detailed Stock Comparison

Atlantic Union Bankshares Corporation

Epam Systems Inc.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete Atlantic Union Bankshares Corporation Investment Analysis: Compare with Industry Leaders

Ever Wonder Which Stock is Really the Better Pick?

What You'll Actually Learn (in Plain English)

💰 Which Stock is Cheaper

🏥 Which Company is Healthier

📈 Which Has Been Growing Faster

💵 Which Pays You Better

Atlantic Union Bankshares Corporation vs Epam Systems Inc. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Valuation & Enterprise Metrics Analysis: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Financial Statements Comparison: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Financial Metrics Quarterly Annual

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

AUBAP (Annual)

AUBAP (Quarterly)

EPAM (Annual)

EPAM (Quarterly)

Financial Statements Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Short Interest & Institutional Ownership Analysis

Dividend Analysis & Yield Comparison: Atlantic Union Bankshares Corporation vs Epam Systems Inc.

Financial Metrics