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Atlantic Union Bankshares (AUB) Financials

Atlantic Union Bankshares logo
$29.59 -0.78 (-2.56%)
As of 03:52 PM Eastern
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Annual Income Statements for Atlantic Union Bankshares

Annual Income Statements for Atlantic Union Bankshares

This table shows Atlantic Union Bankshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 197 190 223 252 153 194 146 73 77 67
Consolidated Net Income / (Loss)		 209 202 235 264 158 194 146 73 77 67
Net Income / (Loss) Continuing Operations		 209 202 235 264 158 194 149 72 76 67
Total Pre-Tax Income 		260 240 280 319 186 231 179 105 102 90
Total Revenue		 817 702 703 665 687 671 531 341 324 317
Net Interest Income / (Expense)		 699 611 584 1,163 555 538 427 279 264 252
Total Interest Income		 1,228 954 660 592 653 699 529 329 294 277
Loans and Leases Interest Income		 1,093 847 556 509 575 612 470 294 261 248
Investment Securities Interest Income		 124 101 102 83 77 83 57 35 32 29
Deposits and Money Market Investments Interest Income		 11 6.07 2.61 0.86 1.27 3.73 2.13 0.54 0.24 0.09
Total Interest Expense		 529 343 76 41 98 161 102 50 30 25
Deposits Interest Expense		 484 297 56 27 76 115 59 26 18 16
Short-Term Borrowings Interest Expense		 23 27 5.39 0.11 1.69 15 18 6.04 2.89 0.94
Long-Term Debt Interest Expense		 22 20 15 14 21 31 24 18 9.15 8.44
Total Non-Interest Income		 119 91 119 126 131 133 104 62 60 65
Service Charges on Deposit Accounts		 37 33 30 27 25 30 - - - -
Other Service Charges		 72 87 77 75 97 87 11 55 7.26 49
Net Realized & Unrealized Capital Gains on Investments		 -6.49 -41 -0.00 0.09 - 7.68 20 0.80 0.21 11
Other Non-Interest Income		 16 12 12 11 9.55 8.31 73 6.14 52 4.59
Provision for Credit Losses		 50 32 19 -61 87 21 14 11 8.88 9.57
Total Non-Interest Expense		 508 430 404 419 413 418 338 226 213 217
Salaries and Employee Benefits		 271 237 229 215 207 195 159 116 111 104
Net Occupancy & Equipment Expense		 82 72 74 75 70 68 56 45 43 45
Marketing Expense		 12 10 9.24 9.88 9.89 12 10 7.80 7.76 7.22
Property & Liability Insurance Claims		 20 20 10 9.48 9.97 6.87 6.64 4.05 5.41 5.38
Other Operating Expenses		 62 80 70 81 69 74 53 42 39 46
Amortization Expense		 19 8.78 11 14 17 19 13 6.09 7.21 8.45
Restructuring Charge		 40 3.00 0.00 - - 28 40 5.39 0.00 0.00
Income Tax Expense		 51 38 45 55 28 38 30 33 26 23
Preferred Stock Dividends Declared		 12 12 12 12 5.66 0.00 0.00 - - -
Basic Earnings per Share		 $2.29 $2.53 $2.97 $3.26 $1.93 $2.41 $2.22 $1.67 $1.77 $1.49
Weighted Average Basic Shares Outstanding		 86.15M 74.96M 74.95M 77.40M 78.86M 80.20M 65.86M 43.70M 43.78M 45.05M
Diluted Earnings per Share		 $2.24 $2.53 $2.97 $3.26 $1.93 $2.41 $2.22 $1.67 $1.77 $1.49
Weighted Average Diluted Shares Outstanding		 87.91M 74.96M 74.95M 77.42M 78.88M 80.26M 65.91M 43.78M 43.89M 45.14M
Weighted Average Basic & Diluted Shares Outstanding		 89.83M 75.08M 74.72M 75.58M 78.80M 79.22M 81.90M 43.70M 43.80M 45M
Cash Dividends to Common per Share		 $1.30 $1.22 $1.16 $1.09 $1.00 $0.96 $0.88 $0.81 $0.77 $0.68

Quarterly Income Statements for Atlantic Union Bankshares

This table shows Atlantic Union Bankshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 47 55 73 22 47 54 51 52 33 68 55
Consolidated Net Income / (Loss)		 50 58 76 25 50 57 54 55 36 71 58
Net Income / (Loss) Continuing Operations		 50 58 76 25 50 57 54 55 36 71 58
Total Pre-Tax Income 		62 71 92 37 60 67 66 65 43 82 70
Total Revenue		 213 218 217 208 173 184 179 176 163 188 176
Net Interest Income / (Expense)		 184 183 183 185 148 154 152 152 153 164 151
Total Interest Income		 306 319 325 321 263 259 247 230 218 202 171
Loans and Leases Interest Income		 272 282 291 285 235 230 221 205 190 173 145
Investment Securities Interest Income		 32 31 32 33 27 27 24 24 26 27 26
Deposits and Money Market Investments Interest Income		 2.51 5.77 1.06 2.64 1.28 2.26 1.31 1.01 1.49 1.38 0.94
Total Interest Expense		 122 136 142 136 115 106 95 78 64 38 20
Deposits Interest Expense		 116 129 130 123 102 96 84 65 52 30 15
Short-Term Borrowings Interest Expense		 0.91 1.19 5.70 8.19 8.16 5.04 6.50 8.04 7.56 3.59 1.23
Long-Term Debt Interest Expense		 5.18 5.46 5.68 5.66 5.07 4.91 5.13 4.85 4.71 4.40 3.83
Total Non-Interest Income		 29 35 34 24 26 30 27 24 9.63 25 26
Service Charges on Deposit Accounts		 9.68 9.83 9.79 9.09 8.57 8.66 8.56 8.12 7.90 7.63 6.78
Other Service Charges		 16 22 19 17 14 18 43 13 12 14 15
Net Realized & Unrealized Capital Gains on Investments		 -0.10 0.02 0.00 -6.52 0.00 0.00 -28 0.00 -13 - -
Other Non-Interest Income		 3.54 3.56 5.04 3.79 3.25 3.09 2.97 2.87 2.83 2.65 3.45
Provision for Credit Losses		 18 17 2.60 22 8.24 8.71 4.99 6.07 12 6.26 6.41
Total Non-Interest Expense		 134 130 123 150 105 108 109 106 108 100 100
Salaries and Employee Benefits		 75 71 69 69 62 57 57 62 61 59 57
Net Occupancy & Equipment Expense		 23 21 21 22 18 18 17 18 18 20 18
Marketing Expense		 3.18 3.52 3.31 2.98 2.32 3.02 2.22 2.82 2.35 2.23 2.34
Property & Liability Insurance Claims		 5.20 5.16 5.28 4.68 5.14 7.63 4.26 4.07 3.90 1.90 3.09
Other Operating Expenses		 17 14 16 16 16 19 23 16 21 15 17
Amortization Expense		 5.40 5.61 5.80 6.00 1.90 2.09 2.19 2.22 2.28 2.38 2.48
Restructuring Charge		 4.94 - 1.35 30 - - 1.99 0.00 - - -
Income Tax Expense		 12 14 16 11 10 9.96 12 9.31 7.29 12 12
Preferred Stock Dividends Declared		 2.97 2.97 2.97 2.97 2.97 2.97 2.97 2.97 2.97 2.97 2.97
Basic Earnings per Share		 $0.53 $0.60 $0.82 $0.25 $0.62 $0.71 $0.68 $0.70 $0.44 $0.90 $0.74
Weighted Average Basic Shares Outstanding		 89.22M 86.15M 89.78M 89.77M 75.20M 74.96M 75.00M 75.00M 74.83M 74.95M 74.70M
Diluted Earnings per Share		 $0.52 $0.55 $0.82 $0.25 $0.62 $0.71 $0.68 $0.70 $0.44 $0.90 $0.74
Weighted Average Diluted Shares Outstanding		 90.07M 87.91M 89.78M 89.77M 75.20M 74.96M 75.00M 75.00M 74.84M 74.95M 74.71M
Weighted Average Basic & Diluted Shares Outstanding		 142.47M 89.83M 89.78M 89.78M 89.77M 75.08M - - 74.99M 74.72M 74.71M
Cash Dividends to Common per Share		 $0.34 $0.34 $0.32 $0.32 $0.32 $0.32 $0.30 $0.30 $0.30 $0.30 $0.30

Annual Cash Flow Statements for Atlantic Union Bankshares

This table details how cash moves in and out of Atlantic Union Bankshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 -24 58 -483 309 57 175 62 20 37 9.40
Net Cash From Operating Activities		 308 278 420 338 232 195 217 110 94 111
Net Cash From Continuing Operating Activities		 308 278 420 338 232 195 217 110 94 111
Net Income / (Loss) Continuing Operations		 209 202 235 264 158 194 146 73 77 67
Consolidated Net Income / (Loss)		 209 202 235 264 158 194 146 73 77 67
Provision For Loan Losses		 50 32 19 -61 87 21 14 11 9.10 9.57
Depreciation Expense		 35 41 45 51 43 40 26 25 24 26
Amortization Expense		 -21 4.79 3.30 -2.95 -8.40 -7.90 -6.71 -0.87 1.53 1.82
Non-Cash Adjustments to Reconcile Net Income		 24 0.18 21 139 -14 -5.86 -0.71 6.92 -0.87 0.32
Changes in Operating Assets and Liabilities, net		 12 -1.32 96 -52 -34 -46 38 -4.61 -17 6.40
Net Cash From Investing Activities		 -296 -603 -1,277 -345 -1,918 -425 -770 -886 -715 -375
Net Cash From Continuing Investing Activities		 -296 -603 -1,277 -345 -1,918 -425 -770 -886 -715 -375
Purchase of Property, Leasehold Improvements and Equipment		 7.37 56 14 - - - - - - -
Purchase of Investment Securities		 -1,311 -1,758 -1,701 -924 -2,588 -1,249 -2,252 -1,155 -909 -660
Divestitures		 55 0.00 0.00 - - 46 174 5.04 0.21 0.00
Sale and/or Maturity of Investments		 953 1,099 410 578 670 777 1,308 264 194 285
Net Cash From Financing Activities		 -37 383 375 317 1,744 405 615 796 658 274
Net Cash From Continuing Financing Activities		 -37 383 375 317 1,744 405 615 796 658 274
Net Change in Deposits		 994 886 -679 888 2,418 1,108 432 607 416 327
Issuance of Common Equity		 0.23 0.78 3.88 3.14 1.01 1.99 2.35 1.04 1.43 0.93
Repayment of Debt		 -903 -398 1,201 -365 -705 -221 -40 -10 -58 -10
Repurchase of Common Equity		 0.00 0.00 -48 -125 -50 -80 0.00 0.00 -33 -16
Payment of Dividends		 -124 -103 -99 -96 -85 -78 -58 -35 -34 -29
Other Financing Activities, Net		 -3.96 -2.49 -3.23 -2.58 -2.26 -2.87 -5.00 -4.57 -0.59 -0.42
Cash Interest Paid		 516 327 71 41 101 160 99 48 30 28
Cash Income Taxes Paid		 3.75 19 1.63 1.34 26 25 11 24 28 21

Quarterly Cash Flow Statements for Atlantic Union Bankshares

This table details how cash moves in and out of Atlantic Union Bankshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 80 -174 82 49 19 -21 -29 56 52 -71 150
Net Cash From Operating Activities		 62 98 68 86 57 53 89 73 63 93 128
Net Cash From Continuing Operating Activities		 62 98 68 86 57 53 89 73 63 93 128
Net Income / (Loss) Continuing Operations		 50 58 76 25 50 57 54 55 36 71 58
Consolidated Net Income / (Loss)		 50 58 76 25 50 57 54 55 36 71 58
Provision For Loan Losses		 18 17 2.60 22 8.24 8.71 4.99 6.07 12 6.26 6.41
Depreciation Expense		 9.33 8.71 8.70 8.40 9.50 13 8.70 9.57 9.84 11 11
Amortization Expense		 -7.16 -6.98 -40 23 2.87 1.26 0.98 1.26 1.29 1.03 1.26
Non-Cash Adjustments to Reconcile Net Income		 -3.89 31 -3.01 4.62 -8.72 -3.70 1.91 -5.50 7.47 19 2.59
Changes in Operating Assets and Liabilities, net		 -3.71 -9.55 23 2.67 -4.65 -23 19 6.22 -3.60 -15 48
Net Cash From Investing Activities		 9.64 -12 99 -167 -215 -370 -168 -468 403 -563 -242
Net Cash From Continuing Investing Activities		 9.64 -12 99 -167 -215 -370 -168 -468 403 -563 -242
Purchase of Investment Securities		 -112 -143 -70 -759 -338 -467 -522 -563 -206 -658 -342
Sale and/or Maturity of Investments		 122 124 169 537 124 86 308 95 609 82 100
Net Cash From Financing Activities		 8.39 -260 -84 131 176 296 49 452 -413 399 263
Net Cash From Continuing Financing Activities		 8.39 -260 -84 131 176 296 49 452 -413 399 263
Net Change in Deposits		 105 92 303 138 460 32 375 -44 524 -615 418
Issuance of Debt		 -59 - -356 25 -254 - -300 521 -910 - -129
Issuance of Common Equity		 0.00 0.00 - - 0.23 0.22 0.09 - 0.47 0.03 0.04
Payment of Dividends		 -34 -33 -32 -32 -27 -27 -25 -25 -25 -25 -25
Other Financing Activities, Net		 -3.68 -0.21 -0.11 -0.96 -2.68 -0.11 -0.19 -0.08 -2.12 -0.17 -0.15
Cash Interest Paid		 119 135 138 134 109 102 89 77 59 37 18
Cash Income Taxes Paid		 0.70 0.20 0.27 - - 4.00 15 - - 0.40 0.29

Annual Balance Sheets for Atlantic Union Bankshares

This table presents Atlantic Union Bankshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 24,585 21,166 20,461 20,065 19,628 17,563 13,766 9,315 8,427 7,693
Cash and Due from Banks		 196 197 216 181 172 163 167 118 121 111
Federal Funds Sold		 3.94 14 1.46 2.82 2.01 38 0.22 0.50 0.45 1.67
Interest Bearing Deposits at Other Banks		 154 168 102 619 319 235 94 81 58 30
Trading Account Securities		 3,246 3,069 3,590 4,110 3,085 2,501 2,267 1,174 1,185 1,145
Loans and Leases, Net of Allowance		 18,292 15,503 14,338 13,096 13,861 12,569 9,675 7,103 6,270 5,637
Loans and Leases		 18,471 15,635 14,449 13,196 14,021 12,611 9,716 7,142 6,307 5,671
Allowance for Loan and Lease Losses		 179 132 111 100 161 42 41 38 37 34
Loans Held for Sale		 9.42 6.71 3.94 13,117 97 55 - - - -
Premises and Equipment, Net		 113 91 118 135 164 161 147 120 122 126
Goodwill		 1,214 925 925 936 936 936 727 299 298 294
Intangible Assets		 85 19 27 43 57 74 49 15 21 23
Other Assets		 1,273 1,175 1,139 922 936 832 639 406 352 326
Total Liabilities & Shareholders' Equity		 24,585 21,166 20,461 20,065 19,628 17,563 13,766 9,315 8,427 7,693
Total Liabilities		 21,442 18,610 18,088 17,355 16,920 15,050 11,841 8,269 7,426 6,698
Non-Interest Bearing Deposits		 4,277 3,963 4,883 5,207 4,369 2,970 2,095 1,502 1,394 1,373
Interest Bearing Deposits		 16,121 12,855 11,048 11,404 11,354 10,335 7,876 5,490 4,986 4,591
Short-Term Debt		 116 921 1,319 118 351 436 1,088 794 577 389
Long-Term Debt		 418 391 390 389 490 1,077 668 425 413 291
Other Long-Term Liabilities		 510 480 448 237 356 231 114 58 56 54
Total Equity & Noncontrolling Interests		 3,143 2,556 2,373 2,710 2,708 2,513 1,925 1,046 1,001 995
Total Preferred & Common Equity		 3,143 2,556 2,373 2,710 2,708 2,513 1,925 1,046 1,001 995
Preferred Stock		 0.17 0.17 0.17 0.17 0.17 0.00 - - - -
Total Common Equity		 3,143 2,556 2,373 2,710 2,708 2,513 1,925 1,046 1,001 995
Common Stock		 2,399 1,881 1,871 1,907 2,021 1,896 1,468 668 663 691
Retained Earnings		 1,103 1,018 920 784 616 581 467 379 342 298
Accumulated Other Comprehensive Income / (Loss)		 -360 -343 -418 19 71 36 -10 -0.88 -3.81 6.25

Quarterly Balance Sheets for Atlantic Union Bankshares

This table presents Atlantic Union Bankshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 3/31/2023 9/30/2022
Total Assets		 24,633 24,804 24,761 21,378 20,103 19,950
Cash and Due from Banks		 194 232 233 169 187 178
Federal Funds Sold		 3.96 4.69 5.82 2.43 0.72 1.19
Interest Bearing Deposits at Other Banks		 236 291 207 225 184 212
Trading Account Securities		 3,305 3,415 3,366 3,031 3,108 3,559
Loans and Leases, Net of Allowance		 18,234 18,177 18,189 15,715 14,468 13,811
Loans and Leases		 18,428 18,337 18,347 15,852 14,584 13,919
Allowance for Loan and Lease Losses		 194 161 158 136 117 108
Loans Held for Sale		 9.53 11 13 12 14,482 13
Premises and Equipment, Net		 112 115 115 90 116 126
Goodwill		 1,214 1,213 1,207 925 925 925
Intangible Assets		 79 90 96 17 24 29
Other Assets		 1,245 1,255 1,329 1,190 1,075 1,096
Total Liabilities & Shareholders' Equity		 24,633 24,804 24,761 21,378 20,103 19,950
Total Liabilities		 21,447 21,621 21,718 18,829 17,663 17,669
Non-Interest Bearing Deposits		 4,471 4,423 4,527 3,845 4,578 5,291
Interest Bearing Deposits		 16,032 15,882 15,474 13,433 11,878 11,255
Short-Term Debt		 57 434 790 666 409 280
Long-Term Debt		 419 418 417 391 390 390
Other Long-Term Liabilities		 469 464 510 493 408 453
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 3,185 3,182 3,044 2,549 2,440 2,281
Total Preferred & Common Equity		 3,185 3,182 3,044 2,549 2,440 2,281
Preferred Stock		 0.17 0.17 0.17 0.17 0.17 0.17
Total Common Equity		 3,185 3,182 3,044 2,549 2,440 2,281
Common Stock		 2,399 2,396 2,392 1,882 1,872 1,869
Retained Earnings		 1,120 1,079 1,034 1,041 930 874
Accumulated Other Comprehensive Income / (Loss)		 -334 -292 -383 -374 -362 -462

Annual Metrics And Ratios for Atlantic Union Bankshares

This table displays calculated financial ratios and metrics derived from Atlantic Union Bankshares' official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 16.46% -0.13% 5.71% -3.19% 2.40% 26.32% 55.50% 5.44% 2.20% 0.17%
EBITDA Growth		 -4.15% -13.09% -7.24% 60.33% -16.07% 32.30% 53.94% 1.70% 7.79% 21.52%
EBIT Growth		 8.29% -14.31% -8.67% 64.55% -19.44% 28.88% 70.94% 3.07% 12.67% 28.59%
NOPAT Growth		 3.62% -13.94% -11.14% 66.80% -18.31% 29.64% 107.01% -4.90% 13.15% 28.59%
Net Income Growth		 3.62% -13.94% -11.14% 66.80% -18.24% 32.33% 100.55% -5.88% 15.50% 28.59%
EPS Growth		 -11.46% -14.81% -8.90% 68.91% -19.92% 8.56% 32.93% -5.65% 18.79% 31.86%
Operating Cash Flow Growth		 10.94% -33.75% 24.24% 45.65% 19.06% -10.13% 96.46% 17.57% -15.40% -12.81%
Free Cash Flow Firm Growth		 -3.66% 165.86% -205.67% -6.20% 517.53% 87.97% -525.21% 15.54% -530.76% 107.83%
Invested Capital Growth		 -4.93% -5.22% 26.88% -9.37% -11.86% 9.40% 62.46% 13.79% 18.83% 0.69%
Revenue Q/Q Growth		 4.47% -0.69% 3.81% -2.25% 2.01% 4.97% 9.62% 3.51% -1.58% 0.52%
EBITDA Q/Q Growth		 -2.82% -4.45% 12.88% -6.39% 3.16% 6.04% 15.33% 0.34% -1.09% -5.91%
EBIT Q/Q Growth		 1.74% -6.04% 16.05% -7.93% 1.57% 6.34% 17.15% 0.76% 3.17% -9.82%
NOPAT Q/Q Growth		 0.42% -6.32% 10.74% -4.23% 2.30% 6.37% 24.21% -5.31% 1.86% 4.43%
Net Income Q/Q Growth		 0.42% -6.32% 10.74% 11.00% -17.77% 6.46% 24.63% -7.12% 3.98% 4.43%
EPS Q/Q Growth		 -6.67% -6.99% 11.24% -3.26% 0.52% 1.26% 16.84% -7.22% 4.73% 4.93%
Operating Cash Flow Q/Q Growth		 23.69% -7.88% -1.18% 14.29% -11.42% 8.55% 34.13% -6.13% -9.26% 12.94%
Free Cash Flow Firm Q/Q Growth		 110.45% -86.89% -284.69% -49.05% 799.38% -34.96% -3.67% -123.35% -77.65% 137.70%
Invested Capital Q/Q Growth		 -8.85% 0.00% 38.32% 4.43% -10.72% 7.97% 7.17% 8.23% 3.35% -2.42%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 33.50% 40.70% 46.77% 53.29% 32.18% 39.26% 37.49% 37.87% 39.27% 37.23%
EBIT Margin		 31.78% 34.18% 39.84% 46.11% 27.13% 34.48% 33.80% 30.74% 31.45% 28.53%
Profit (Net Income) Margin		 25.58% 28.75% 33.37% 39.70% 23.04% 28.86% 27.55% 21.36% 23.93% 21.17%
Tax Burden Percent		 80.50% 84.13% 83.77% 82.80% 84.93% 83.69% 81.51% 69.47% 76.07% 74.21%
Interest Burden Percent		 100.00% 100.00% 100.00% 103.98% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.50% 15.87% 16.23% 17.20% 15.07% 16.24% 16.73% 31.24% 25.47% 25.79%
Return on Invested Capital (ROIC)		 5.54% 5.08% 6.43% 7.80% 4.18% 5.03% 5.03% 3.39% 4.14% 4.02%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.54% 5.08% 6.43% 7.80% 4.18% 5.02% 4.81% 3.46% 4.33% 4.02%
Return on Net Nonoperating Assets (RNNOA)		 1.80% 3.11% 2.80% 1.94% 1.88% 3.70% 4.82% 3.73% 3.62% 2.78%
Return on Equity (ROE)		 7.34% 8.19% 9.23% 9.74% 6.06% 8.72% 9.85% 7.12% 7.76% 6.80%
Cash Return on Invested Capital (CROIC)		 10.60% 10.44% -17.27% 17.63% 16.79% -3.95% -42.57% -9.51% -13.07% 3.33%
Operating Return on Assets (OROA)		 1.14% 1.15% 1.38% 1.54% 1.00% 1.48% 1.55% 1.18% 1.26% 1.20%
Return on Assets (ROA)		 0.91% 0.97% 1.16% 1.33% 0.85% 1.24% 1.27% 0.82% 0.96% 0.89%
Return on Common Equity (ROCE)		 7.34% 8.19% 9.23% 9.74% 6.06% 8.72% 9.85% 7.12% 7.76% 6.80%
Return on Equity Simple (ROE_SIMPLE)		 6.65% 7.89% 9.88% 9.74% 5.84% 7.70% 7.60% 6.97% 7.74% 6.74%
Net Operating Profit after Tax (NOPAT)		 209 202 235 264 158 194 149 72 76 67
NOPAT Margin		 25.58% 28.75% 33.37% 39.70% 23.04% 28.88% 28.14% 21.14% 23.44% 21.17%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.21% -0.07% -0.19% 0.00%
SG&A Expenses to Revenue		 44.73% 45.45% 44.45% 45.07% 41.68% 40.94% 42.41% 49.35% 49.91% 49.49%
Operating Expenses to Revenue		 62.09% 61.32% 57.46% 63.05% 60.19% 62.37% 63.62% 66.09% 65.81% 68.45%
Earnings before Interest and Taxes (EBIT)		 260 240 280 307 186 231 179 105 102 90
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 274 286 329 354 221 263 199 129 127 118
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.07 0.00 1.02 0.93 0.83 1.01 0.79 1.21 1.21 0.86
Price to Tangible Book Value (P/TBV)		 1.83 0.00 1.70 1.46 1.32 1.69 1.32 1.72 1.78 1.26
Price to Revenue (P/Rev)		 4.12 0.00 3.43 3.81 3.29 3.79 2.87 3.70 3.75 2.71
Price to Earnings (P/E)		 17.09 0.00 10.84 10.04 14.81 13.13 10.40 17.32 15.66 12.78
Dividend Yield		 3.46% 3.49% 4.52% 3.26% 3.48% 3.05% 3.82% 2.81% 2.76% 3.56%
Earnings Yield		 5.85% 0.00% 9.23% 9.96% 6.75% 7.62% 9.61% 5.77% 6.39% 7.83%
Enterprise Value to Invested Capital (EV/IC)		 0.97 0.00 0.93 0.69 0.73 0.90 0.82 1.01 1.02 0.83
Enterprise Value to Revenue (EV/Rev)		 4.34 0.00 5.41 3.36 3.80 5.40 5.68 6.69 6.25 4.40
Enterprise Value to EBITDA (EV/EBITDA)		 12.97 0.00 11.57 6.31 11.80 13.74 15.16 17.65 15.92 11.82
Enterprise Value to EBIT (EV/EBIT)		 13.67 0.00 13.58 7.29 14.00 15.65 16.81 21.75 19.88 15.43
Enterprise Value to NOPAT (EV/NOPAT)		 16.98 0.00 16.21 8.47 16.48 18.68 20.19 31.63 26.67 20.79
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.51 0.00 9.06 6.61 11.24 18.58 13.92 20.69 21.57 12.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.88 0.00 0.00 3.75 4.10 0.00 0.00 0.00 0.00 25.06
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.17 0.51 0.72 0.19 0.31 0.60 0.91 1.17 0.99 0.68
Long-Term Debt to Equity		 0.13 0.15 0.16 0.14 0.18 0.43 0.35 0.41 0.41 0.29
Financial Leverage		 0.32 0.61 0.44 0.25 0.45 0.74 1.00 1.08 0.84 0.69
Leverage Ratio		 8.03 8.45 7.97 7.33 7.12 7.06 7.77 8.67 8.07 7.63
Compound Leverage Factor		 8.03 8.45 7.97 7.62 7.12 7.06 7.77 8.67 8.07 7.63
Debt to Total Capital		 14.54% 33.91% 41.87% 15.75% 23.69% 37.59% 47.71% 53.82% 49.73% 40.59%
Short-Term Debt to Total Capital		 3.16% 23.81% 32.31% 3.66% 9.89% 10.83% 29.55% 35.05% 28.97% 23.22%
Long-Term Debt to Total Capital		 11.37% 10.11% 9.55% 12.08% 13.80% 26.76% 18.16% 18.77% 20.76% 17.38%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 85.46% 66.08% 58.13% 84.25% 76.31% 62.41% 52.29% 46.18% 50.27% 59.41%
Debt to EBITDA		 1.95 4.59 5.20 1.43 3.80 5.75 8.82 9.43 7.79 5.77
Net Debt to EBITDA		 0.66 3.27 4.23 -0.84 1.57 4.09 7.51 7.89 6.38 4.56
Long-Term Debt to EBITDA		 1.53 1.37 1.19 1.10 2.22 4.09 3.36 3.29 3.25 2.47
Debt to NOPAT		 2.56 6.50 7.29 1.92 5.31 7.82 11.75 16.90 13.05 10.14
Net Debt to NOPAT		 0.86 4.63 5.92 -1.12 2.20 5.56 10.01 14.13 10.68 8.01
Long-Term Debt to NOPAT		 2.00 1.94 1.66 1.47 3.10 5.56 4.47 5.89 5.45 4.34
Noncontrolling Interest Sharing Ratio		 0.01% 0.01% 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 400 415 -630 596 636 -152 -1,266 -202 -240 56
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.76 1.21 -8.27 14.51 6.48 -0.94 -12.40 -4.05 -8.05 2.23
Operating Cash Flow to Interest Expense		 0.58 0.81 5.51 8.22 2.36 1.21 2.12 2.21 3.15 4.45
Operating Cash Flow Less CapEx to Interest Expense		 0.60 0.97 5.69 8.22 2.36 1.21 2.12 2.21 3.15 4.45
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.04 0.04 0.05 0.04 0.04 0.04
Fixed Asset Turnover		 8.03 6.71 5.55 4.45 4.23 4.35 3.98 2.83 2.61 2.43
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 3,677 3,868 4,081 3,217 3,549 4,027 3,681 2,266 1,991 1,676
Invested Capital Turnover		 0.22 0.18 0.19 0.20 0.18 0.17 0.18 0.16 0.18 0.19
Increase / (Decrease) in Invested Capital		 -191 -213 865 -333 -478 346 1,415 275 316 11
Enterprise Value (EV)		 3,551 0.00 3,802 2,234 2,607 3,619 3,017 2,283 2,024 1,395
Market Capitalization		 3,370 0.00 2,413 2,530 2,260 2,541 1,522 1,263 1,213 857
Book Value per Share		 $35.01 $34.10 $31.76 $35.82 $34.41 $31.16 $29.17 $23.93 $22.98 $22.16
Tangible Book Value per Share		 $20.54 $21.50 $19.01 $22.88 $21.79 $18.65 $17.41 $16.76 $15.66 $15.10
Total Capital		 3,677 3,868 4,081 3,217 3,549 4,027 3,681 2,266 1,991 1,676
Total Debt		 535 1,312 1,709 507 841 1,514 1,756 1,219 990 680
Total Long-Term Debt		 418 391 390 389 490 1,077 668 425 413 291
Net Debt		 181 934 1,389 -296 347 1,078 1,495 1,020 811 538
Capital Expenditures (CapEx)		 -7.37 -56 -14 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.17 3.17 -0.75 -1.58 0.00
Net Nonoperating Obligations (NNO)		 535 1,312 1,709 507 841 1,514 1,756 1,219 990 680
Total Depreciation and Amortization (D&A)		 14 46 49 48 35 32 20 24 25 28
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.29 $2.53 $2.97 $3.26 $1.93 $2.41 $2.22 $1.67 $1.77 $1.49
Adjusted Weighted Average Basic Shares Outstanding		 86.15M 74.96M 74.95M 77.40M 78.86M 80.20M 65.86M 43.70M 43.78M 45.05M
Adjusted Diluted Earnings per Share		 $2.24 $2.53 $2.97 $3.26 $1.93 $2.41 $2.22 $1.67 $1.77 $1.49
Adjusted Weighted Average Diluted Shares Outstanding		 87.91M 74.96M 74.95M 77.42M 78.88M 80.26M 65.91M 43.78M 43.89M 45.14M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 89.83M 75.08M 74.72M 75.58M 78.80M 79.22M 81.90M 65.76M 43.63M 44.07M
Normalized Net Operating Profit after Tax (NOPAT)		 241 204 235 264 185 231 182 76 76 67
Normalized NOPAT Margin		 29.53% 29.11% 33.37% 39.70% 26.89% 34.40% 34.37% 22.23% 23.44% 21.17%
Pre Tax Income Margin		 31.78% 34.18% 39.84% 47.94% 27.13% 34.48% 33.80% 30.74% 31.45% 28.53%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.49 0.70 3.68 7.46 1.90 1.43 1.76 2.10 3.42 3.62
NOPAT to Interest Expense		 0.40 0.59 3.08 6.42 1.61 1.20 1.46 1.44 2.55 2.69
EBIT Less CapEx to Interest Expense		 0.51 0.86 3.85 7.46 1.90 1.43 1.76 2.10 3.42 3.62
NOPAT Less CapEx to Interest Expense		 0.41 0.75 3.26 6.42 1.61 1.20 1.46 1.44 2.55 2.69
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 59.23% 51.18% 42.12% 36.44% 53.42% 40.48% 39.66% 48.53% 43.46% 43.35%
Augmented Payout Ratio		 59.23% 51.18% 62.68% 83.80% 84.94% 81.96% 39.66% 48.53% 86.28% 67.59%

Quarterly Metrics And Ratios for Atlantic Union Bankshares

This table displays calculated financial ratios and metrics derived from Atlantic Union Bankshares' official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 23.04% 19.06% 21.33% 18.19% 6.32% -2.57% 1.55% -0.44% 1.23% 15.89% 5.30%
EBITDA Growth		 -11.85% -9.81% -19.57% -9.75% 33.58% -14.11% -8.83% -12.20% -18.13% 66.07% -19.66%
EBIT Growth		 2.74% 6.64% 40.43% -43.32% 39.39% -18.75% -6.33% -13.62% -18.91% 88.83% -23.06%
NOPAT Growth		 0.10% 1.54% 41.46% -54.45% 39.59% -19.31% -6.98% -11.23% -18.40% 47.60% -22.12%
Net Income Growth		 0.10% 1.54% 41.46% -54.45% 39.59% -19.31% -6.98% -11.23% -18.40% 47.60% -22.12%
EPS Growth		 -16.13% -22.54% 20.59% -64.29% 40.91% -21.11% -8.11% -11.39% -18.52% 50.00% -21.28%
Operating Cash Flow Growth		 8.81% 84.44% -24.47% 17.54% -8.79% -42.55% -29.99% -17.00% -43.91% -5.13% 24.45%
Free Cash Flow Firm Growth		 98.61% -8.01% -231.73% -230.22% -57.98% 134.01% 1,501.96% 678,700.21% -163.92% -308.84% -80.65%
Invested Capital Growth		 1.50% -4.93% 0.00% 0.00% 11.35% -5.22% 0.00% 0.00% 7.89% 26.88% -4.20%
Revenue Q/Q Growth		 -2.36% 0.58% 4.26% 20.17% 0.00% 2.50% 1.56% 8.10% -13.42% 6.83% -0.43%
EBITDA Q/Q Growth		 -12.80% 20.71% -11.07% -5.82% 0.00% 7.65% -0.22% 39.39% -42.63% 14.27% -3.91%
EBIT Q/Q Growth		 -13.75% -22.52% 151.53% -38.88% 0.00% 2.03% 1.53% 50.30% -47.82% 17.63% -6.37%
NOPAT Q/Q Growth		 -13.79% -24.38% 203.70% -49.44% 0.00% 5.35% -2.22% 54.94% -49.45% 21.45% -6.68%
Net Income Q/Q Growth		 -13.79% -24.38% 203.70% -49.44% 0.00% 5.35% -2.22% 54.94% -49.45% 21.45% -6.68%
EPS Q/Q Growth		 -5.45% -32.93% 228.00% -59.68% 0.00% 4.41% -2.86% 59.09% -51.11% 21.62% -6.33%
Operating Cash Flow Q/Q Growth		 -36.89% 45.59% -21.17% 50.22% 0.00% -40.38% 22.67% 16.56% -18.88% -27.34% 45.45%
Free Cash Flow Firm Q/Q Growth		 -101.78% 106.28% 6.32% -1,229.80% 0.00% -91.01% -7.39% 1,713.25% 74.68% -523.45% 39,139.75%
Invested Capital Q/Q Growth		 -0.45% -8.85% -5.08% 17.85% 0.00% 0.00% 0.00% -100.00% -20.64% 38.32% -7.48%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.85% 33.43% 27.85% 32.65% 41.66% 44.13% 42.01% 42.76% 33.16% 50.05% 46.79%
EBIT Margin		 28.83% 32.64% 42.37% 17.56% 34.53% 36.44% 36.61% 36.62% 26.34% 43.70% 39.68%
Profit (Net Income) Margin		 23.35% 26.45% 35.18% 12.08% 28.71% 31.01% 30.17% 31.34% 21.86% 37.44% 32.94%
Tax Burden Percent		 81.00% 81.04% 83.03% 68.76% 83.14% 85.10% 82.42% 85.58% 83.02% 85.69% 83.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.00% 18.96% 16.97% 31.24% 16.86% 14.90% 17.58% 14.42% 16.98% 14.31% 17.00%
Return on Invested Capital (ROIC)		 5.51% 5.73% 13.64% 4.23% 5.97% 5.48% 0.00% 0.00% 4.94% 7.21% 7.39%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.51% 5.73% 13.64% 4.23% 5.97% 5.48% 0.00% 0.00% 4.94% 7.21% 7.39%
Return on Net Nonoperating Assets (RNNOA)		 1.47% 1.86% 3.65% 1.68% 2.22% 3.36% 0.00% 0.00% 1.30% 3.14% 1.57%
Return on Equity (ROE)		 6.98% 7.59% 17.30% 5.91% 8.20% 8.83% 0.00% 0.00% 6.24% 10.35% 8.96%
Cash Return on Invested Capital (CROIC)		 4.26% 10.60% -189.68% -191.25% -4.43% 10.44% 0.00% 0.00% -0.33% -17.27% 11.32%
Operating Return on Assets (OROA)		 1.07% 1.17% 1.34% 0.53% 1.19% 1.23% 0.00% 0.00% 0.93% 1.52% 1.35%
Return on Assets (ROA)		 0.87% 0.95% 1.11% 0.36% 0.99% 1.05% 0.00% 0.00% 0.77% 1.30% 1.12%
Return on Common Equity (ROCE)		 6.98% 7.59% 17.30% 5.91% 8.19% 8.83% 0.00% 0.00% 6.24% 10.35% 8.96%
Return on Equity Simple (ROE_SIMPLE)		 6.57% 0.00% 6.54% 6.11% 8.47% 0.00% 0.00% 0.00% 9.28% 0.00% 9.28%
Net Operating Profit after Tax (NOPAT)		 50 58 76 25 50 57 54 55 36 71 58
NOPAT Margin		 23.35% 26.45% 35.18% 12.08% 28.71% 31.01% 30.17% 31.34% 21.86% 37.44% 32.94%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.48% 43.92% 43.27% 44.84% 47.45% 42.35% 43.06% 47.12% 49.75% 42.84% 43.84%
Operating Expenses to Revenue		 62.90% 59.35% 56.43% 72.00% 60.72% 58.82% 60.61% 59.94% 66.40% 52.98% 56.68%
Earnings before Interest and Taxes (EBIT)		 62 71 92 37 60 67 66 65 43 82 70
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 64 73 60 68 72 81 75 75 54 94 82
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.88 1.07 1.06 0.96 0.00 0.00 0.00 0.00 1.01 1.02 0.91
Price to Tangible Book Value (P/TBV)		 1.48 1.83 1.80 1.68 0.00 0.00 0.00 0.00 1.66 1.70 1.57
Price to Revenue (P/Rev)		 3.26 4.12 4.32 3.93 0.00 0.00 2.94 2.64 3.50 3.43 3.08
Price to Earnings (P/E)		 14.18 17.09 17.22 16.80 0.00 0.00 10.20 8.94 11.50 10.84 10.43
Dividend Yield		 4.24% 3.46% 3.40% 3.87% 3.58% 3.49% 5.42% 6.06% 4.48% 4.52% 4.08%
Earnings Yield		 7.05% 5.85% 5.81% 5.95% 0.00% 0.00% 9.80% 11.19% 8.70% 9.23% 9.59%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.97 0.92 0.87 0.00 0.00 0.00 0.00 0.89 0.93 0.80
Enterprise Value to Revenue (EV/Rev)		 3.31 4.34 4.74 4.95 0.00 0.00 0.00 0.00 4.11 5.41 3.49
Enterprise Value to EBITDA (EV/EBITDA)		 10.70 12.97 13.16 12.43 0.00 0.00 0.00 0.00 9.14 11.57 8.12
Enterprise Value to EBIT (EV/EBIT)		 10.86 13.67 14.51 16.10 0.00 0.00 0.00 0.00 10.72 13.58 9.80
Enterprise Value to NOPAT (EV/NOPAT)		 13.57 16.98 17.80 19.82 0.00 0.00 0.00 0.00 12.78 16.21 11.16
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.06 11.51 14.86 13.58 0.00 0.00 0.00 0.00 8.15 9.06 5.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 18.32 8.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.93
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.15 0.17 0.27 0.40 0.42 0.51 0.00 0.00 0.33 0.72 0.29
Long-Term Debt to Equity		 0.13 0.13 0.13 0.14 0.15 0.15 0.00 0.00 0.16 0.16 0.17
Financial Leverage		 0.27 0.32 0.27 0.40 0.37 0.61 0.00 0.00 0.26 0.44 0.21
Leverage Ratio		 8.02 8.03 7.79 8.14 8.31 8.45 0.00 0.00 8.08 7.97 8.02
Compound Leverage Factor		 8.02 8.03 7.79 8.14 8.31 8.45 0.00 0.00 8.08 7.97 8.02
Debt to Total Capital		 12.99% 14.54% 21.12% 28.39% 29.33% 33.91% 0.00% 0.00% 24.66% 41.87% 22.69%
Short-Term Debt to Total Capital		 1.56% 3.16% 10.76% 18.59% 18.48% 23.81% 0.00% 0.00% 12.62% 32.31% 9.49%
Long-Term Debt to Total Capital		 11.44% 11.37% 10.36% 9.80% 10.85% 10.11% 0.00% 0.00% 12.04% 9.55% 13.20%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.01%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 87.00% 85.46% 78.87% 71.61% 70.67% 66.08% 0.00% 0.00% 75.33% 58.13% 77.30%
Debt to EBITDA		 1.79 1.95 3.02 4.07 3.48 4.59 0.00 0.00 2.52 5.20 2.30
Net Debt to EBITDA		 0.16 0.66 1.15 2.57 2.18 3.27 0.00 0.00 1.35 4.23 0.96
Long-Term Debt to EBITDA		 1.58 1.53 1.48 1.41 1.29 1.37 0.00 0.00 1.23 1.19 1.34
Debt to NOPAT		 2.27 2.56 4.09 6.49 4.90 6.50 0.00 0.00 3.53 7.29 3.16
Net Debt to NOPAT		 0.20 0.86 1.56 4.09 3.06 4.63 0.00 0.00 1.88 5.92 1.32
Long-Term Debt to NOPAT		 2.00 2.00 2.01 2.24 1.81 1.94 0.00 0.00 1.72 1.66 1.84
Noncontrolling Interest Sharing Ratio		 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.00% 0.00% 0.01% 0.01% 0.01%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -4.43 249 -3,958 -4,225 -318 270 3,005 3,245 -201 -794 188
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -0.04 1.83 -27.95 -30.99 -2.76 2.55 31.56 41.51 -3.14 -20.78 9.18
Operating Cash Flow to Interest Expense		 0.51 0.72 0.48 0.63 0.50 0.50 0.94 0.93 0.98 2.43 6.25
Operating Cash Flow Less CapEx to Interest Expense		 0.51 0.72 0.48 0.63 0.50 0.50 0.94 0.93 0.98 2.43 6.25
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.00 0.00 0.04 0.03 0.03
Fixed Asset Turnover		 8.49 8.03 6.80 6.47 6.89 6.71 0.00 0.00 5.70 5.55 4.73
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,661 3,677 4,035 4,250 3,607 3,868 0.00 0.00 3,239 4,081 2,951
Invested Capital Turnover		 0.24 0.22 0.39 0.35 0.21 0.18 0.00 0.00 0.23 0.19 0.22
Increase / (Decrease) in Invested Capital		 54 -191 4,035 4,250 368 -213 -2,951 -3,189 237 865 -129
Enterprise Value (EV)		 2,839 3,551 3,706 3,684 0.00 0.00 0.00 0.00 2,895 3,802 2,364
Market Capitalization		 2,797 3,370 3,382 2,923 0.00 0.00 2,077 1,855 2,468 2,413 2,085
Book Value per Share		 $35.46 $35.01 $35.44 $33.90 $33.89 $34.10 $0.00 $0.00 $32.66 $31.76 $30.53
Tangible Book Value per Share		 $21.06 $20.54 $20.93 $19.38 $21.36 $21.50 $0.00 $0.00 $19.95 $19.01 $17.76
Total Capital		 3,661 3,677 4,035 4,250 3,607 3,868 0.00 0.00 3,239 4,081 2,951
Total Debt		 476 535 852 1,207 1,058 1,312 0.00 0.00 799 1,709 670
Total Long-Term Debt		 419 418 418 417 391 391 0.00 0.00 390 390 390
Net Debt		 42 181 324 761 661 934 0.00 0.00 427 1,389 279
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 476 535 852 1,207 1,058 1,312 0.00 0.00 799 1,709 670
Total Depreciation and Amortization (D&A)		 2.17 1.72 -32 31 12 14 9.68 11 11 12 13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.53 $0.60 $0.82 $0.25 $0.62 $0.71 $0.00 $0.00 $0.44 $0.90 $0.74
Adjusted Weighted Average Basic Shares Outstanding		 89.22M 86.15M 89.78M 89.77M 75.20M 74.96M 0.00 0.00 74.83M 74.95M 74.70M
Adjusted Diluted Earnings per Share		 $0.52 $0.55 $0.82 $0.25 $0.62 $0.71 $0.00 $0.00 $0.44 $0.90 $0.74
Adjusted Weighted Average Diluted Shares Outstanding		 90.07M 87.91M 89.78M 89.77M 75.20M 74.96M 0.00 0.00 74.84M 74.95M 74.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 142.47M 89.83M 89.78M 89.78M 89.77M 75.08M 0.00 0.00 74.99M 74.72M 74.71M
Normalized Net Operating Profit after Tax (NOPAT)		 54 58 78 46 50 57 56 55 36 71 58
Normalized NOPAT Margin		 25.23% 26.45% 35.70% 21.90% 28.71% 31.01% 31.09% 31.34% 21.86% 37.44% 32.94%
Pre Tax Income Margin		 28.83% 32.64% 42.37% 17.56% 34.53% 36.44% 36.61% 36.62% 26.34% 43.70% 39.68%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.51 0.52 0.65 0.27 0.52 0.63 0.69 0.83 0.67 2.15 3.42
NOPAT to Interest Expense		 0.41 0.43 0.54 0.18 0.43 0.54 0.57 0.71 0.56 1.85 2.84
EBIT Less CapEx to Interest Expense		 0.51 0.52 0.65 0.27 0.52 0.63 0.69 0.83 0.67 2.15 3.42
NOPAT Less CapEx to Interest Expense		 0.41 0.43 0.54 0.18 0.43 0.54 0.57 0.71 0.56 1.85 2.84
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 62.33% 59.23% 56.35% 59.79% 48.58% 51.18% 47.20% 46.29% 44.16% 42.12% 46.06%
Augmented Payout Ratio		 62.33% 59.23% 56.35% 59.79% 48.58% 51.18% 47.20% 46.29% 44.16% 62.68% 68.83%

Frequently Asked Questions About Atlantic Union Bankshares' Financials

When does Atlantic Union Bankshares's fiscal year end?

According to the most recent income statement we have on file, Atlantic Union Bankshares' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Atlantic Union Bankshares' net income changed over the last 9 years?

Atlantic Union Bankshares' net income appears to be on an upward trend, with a most recent value of $209.13 million in 2024, rising from $67.08 million in 2015. The previous period was $201.82 million in 2023. View Atlantic Union Bankshares' forecast to see where analysts expect Atlantic Union Bankshares to go next.

How has Atlantic Union Bankshares revenue changed over the last 9 years?

Over the last 9 years, Atlantic Union Bankshares' total revenue changed from $316.84 million in 2015 to $817.42 million in 2024, a change of 158.0%.

How much debt does Atlantic Union Bankshares have?

Atlantic Union Bankshares' total liabilities were at $21.44 billion at the end of 2024, a 15.2% increase from 2023, and a 220.1% increase since 2015.

How much cash does Atlantic Union Bankshares have?

In the past 9 years, Atlantic Union Bankshares' cash and equivalents has ranged from $111.32 million in 2015 to $216.38 million in 2022, and is currently $196.44 million as of their latest financial filing in 2024.

How has Atlantic Union Bankshares' book value per share changed over the last 9 years?

Over the last 9 years, Atlantic Union Bankshares' book value per share changed from 22.16 in 2015 to 35.01 in 2024, a change of 58.0%.


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This page (NASDAQ:AUB) was last updated on 5/21/2025 by MarketBeat.com Staff
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