Atlantic Union Bankshares (AUBAP) Financials

$24.66 -0.14 (-0.56%)

As of 06/5/2026

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	67	77	73	146	194	153	252	223	190	197	262
Consolidated Net Income / (Loss)	67	77	73	146	194	158	264	235	202	209	274
Net Income / (Loss) Continuing Operations	67	76	72	149	194	158	264	235	202	209	274
Total Pre-Tax Income	90	102	105	179	231	186	319	280	240	260	337
Total Revenue	317	324	341	531	671	687	665	703	702	817	1,374
Net Interest Income / (Expense)	252	264	279	427	538	555	1,163	584	611	699	1,155
Total Interest Income	277	294	329	529	699	653	592	660	954	1,228	1,821
Loans and Leases Interest Income	248	261	294	470	612	575	509	556	847	1,093	1,616
Investment Securities Interest Income	29	32	35	57	83	77	83	102	101	124	179
Deposits and Money Market Investments Interest Income	0.09	0.24	0.54	2.13	3.73	1.27	0.86	2.61	6.07	11	26
Total Interest Expense	25	30	50	102	161	98	41	76	343	529	667
Deposits Interest Expense	16	18	26	59	115	76	27	56	297	484	616
Short-Term Borrowings Interest Expense	0.94	2.89	6.04	18	15	1.69	0.11	5.39	27	23	6.64
Long-Term Debt Interest Expense	8.44	9.15	18	24	31	21	14	15	20	22	44
Total Non-Interest Income	65	60	62	104	133	131	126	119	91	119	219
Service Charges on Deposit Accounts	-	-	-	-	30	25	27	30	33	37	46
Other Service Charges	49	7.26	55	11	87	97	75	77	87	72	152
Net Realized & Unrealized Capital Gains on Investments	11	0.21	0.80	20	7.68	-	0.09	-0.00	-41	-6.49	-0.08
Other Non-Interest Income	4.59	52	6.14	73	8.31	9.55	11	12	12	16	21
Provision for Credit Losses	9.57	8.88	11	14	21	87	-61	19	32	50	142
Total Non-Interest Expense	217	213	226	338	418	413	419	404	430	508	896
Salaries and Employee Benefits	104	111	116	159	195	207	215	229	237	271	402
Net Occupancy & Equipment Expense	45	43	45	56	68	70	75	74	72	82	132
Marketing Expense	7.22	7.76	7.80	10	12	9.89	9.88	9.24	10	12	19
Property & Liability Insurance Claims	5.38	5.41	4.05	6.64	6.87	9.97	9.48	10	20	20	30
Other Operating Expenses	46	39	42	53	74	69	81	70	80	62	95
Amortization Expense	8.45	7.21	6.09	13	19	17	14	11	8.78	19	60
Restructuring Charge	0.00	0.00	5.39	40	28	-	-	0.00	3.00	40	157
Income Tax Expense	23	26	33	30	38	28	55	45	38	51	63
Preferred Stock Dividends Declared	-	-	-	0.00	0.00	5.66	12	12	12	12	12
Basic Earnings per Share	$1.49	$1.77	$1.67	$2.22	$2.41	$1.93	$3.26	$2.97	$2.53	$2.29	$2.03
Weighted Average Basic Shares Outstanding	45.05M	43.78M	43.70M	65.86M	80.20M	78.86M	77.40M	74.95M	74.96M	86.15M	128.78M
Diluted Earnings per Share	$1.49	$1.77	$1.67	$2.22	$2.41	$1.93	$3.26	$2.97	$2.53	$2.24	$2.03
Weighted Average Diluted Shares Outstanding	45.14M	43.89M	43.78M	65.91M	80.26M	78.88M	77.42M	74.95M	74.96M	87.91M	129.16M
Weighted Average Basic & Diluted Shares Outstanding	45M	43.80M	43.70M	81.90M	79.22M	78.80M	75.58M	74.72M	75.08M	89.83M	142.54M
Cash Dividends to Common per Share	$0.68	$0.77	$0.81	$0.88	$0.96	$1.00	$1.09	$1.16	$1.22	$1.30	$1.39

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	51	54	47	22	73	55	47	17	89	109	119
Consolidated Net Income / (Loss)	54	57	50	25	76	58	50	20	92	112	122
Net Income / (Loss) Continuing Operations	54	57	50	25	76	58	50	20	92	112	122
Total Pre-Tax Income	66	67	60	37	92	71	62	17	116	142	155
Total Revenue	179	184	173	208	217	218	213	403	371	387	367
Net Interest Income / (Expense)	152	154	148	185	183	183	184	321	319	330	312
Total Interest Income	247	259	263	321	325	319	306	510	503	502	472
Loans and Leases Interest Income	221	230	235	285	291	282	272	459	442	444	420
Investment Securities Interest Income	24	27	27	33	32	31	32	47	49	52	50
Deposits and Money Market Investments Interest Income	1.31	2.26	1.28	2.64	1.06	5.77	2.51	4.99	12	6.14	2.15
Total Interest Expense	95	106	115	136	142	136	122	189	184	172	159
Deposits Interest Expense	84	96	102	123	130	129	116	171	171	158	142
Short-Term Borrowings Interest Expense	6.50	5.04	8.16	8.19	5.70	1.19	0.91	4.15	0.63	0.96	5.23
Long-Term Debt Interest Expense	5.13	4.91	5.07	5.66	5.68	5.46	5.18	14	13	13	12
Total Non-Interest Income	27	30	26	24	34	35	29	82	52	57	55
Service Charges on Deposit Accounts	8.56	8.66	8.57	9.09	9.79	9.83	9.68	12	13	12	12
Other Service Charges	43	18	14	17	19	22	16	62	34	40	37
Other Non-Interest Income	2.97	3.09	3.25	3.79	5.04	3.56	3.54	7.33	5.12	5.04	5.20
Provision for Credit Losses	4.99	8.71	8.24	22	2.60	17	18	106	16	2.21	2.74
Total Non-Interest Expense	109	108	105	150	123	130	134	280	238	243	210
Salaries and Employee Benefits	57	57	62	69	69	71	75	110	108	108	113
Net Occupancy & Equipment Expense	17	18	18	22	21	21	23	36	37	36	34
Marketing Expense	2.22	3.02	2.32	2.98	3.31	3.52	3.18	3.76	5.10	6.79	7.33
Property & Liability Insurance Claims	4.26	7.63	5.14	4.68	5.28	5.16	5.20	8.64	8.82	7.39	6.85
Other Operating Expenses	23	19	14	16	16	14	17	24	26	28	23
Amortization Expense	2.19	2.09	1.90	6.00	5.80	5.61	5.40	18	18	18	15
Restructuring Charge	1.99	-	1.87	30	1.35	-	4.94	79	35	39	9.03
Income Tax Expense	12	9.96	10	11	16	14	12	-2.30	24	30	32
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	$0.68	$0.71	$0.62	$0.25	$0.82	$0.60	$0.53	$0.12	$0.63	$0.75	$0.84
Weighted Average Basic Shares Outstanding	75.00M	74.96M	75.20M	89.77M	89.78M	86.15M	89.22M	141.68M	141.73M	128.78M	141.90M
Diluted Earnings per Share	$0.68	$0.71	$0.62	$0.25	$0.82	$0.55	$0.52	$0.12	$0.63	$0.76	$0.84
Weighted Average Diluted Shares Outstanding	75.00M	74.96M	75.20M	89.77M	89.78M	87.91M	90.07M	141.74M	141.99M	129.16M	142.28M
Weighted Average Basic & Diluted Shares Outstanding	-	75.08M	89.77M	89.78M	89.78M	89.83M	142.47M	142.51M	142.52M	142.54M	143.12M
Cash Dividends to Common per Share	$0.30	$0.32	$0.32	$0.32	$0.32	$0.34	$0.34	$0.34	$0.34	$0.37	$0.37

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	9.40	37	20	62	175	57	309	-483	58	-24	612
Net Cash From Operating Activities	111	94	110	217	195	232	338	420	278	308	2,237
Net Cash From Continuing Operating Activities	111	94	110	217	195	232	338	420	278	308	2,237
Net Income / (Loss) Continuing Operations	67	77	73	146	194	158	264	235	202	209	274
Consolidated Net Income / (Loss)	67	77	73	146	194	158	264	235	202	209	274
Provision For Loan Losses	9.57	9.10	11	14	21	87	-61	19	32	50	142
Depreciation Expense	26	24	25	26	40	43	51	45	13	13	18
Amortization Expense	1.82	1.53	-0.87	-6.71	-7.90	-8.40	-2.95	3.30	33	1.25	-61
Non-Cash Adjustments to Reconcile Net Income	0.32	-0.87	6.92	-0.71	-5.86	-14	139	21	0.18	24	1,887
Changes in Operating Assets and Liabilities, net	6.40	-17	-4.61	38	-46	-34	-52	96	-1.32	12	-22
Net Cash From Investing Activities	-375	-715	-886	-770	-425	-1,918	-345	-1,277	-603	-296	-797
Net Cash From Continuing Investing Activities	-375	-715	-886	-770	-425	-1,918	-345	-1,277	-603	-296	-797
Purchase of Investment Securities	-660	-909	-1,155	-2,252	-1,249	-2,588	-924	-1,701	-1,758	-1,311	-2,354
Divestitures	0.00	0.21	5.04	174	46	-	-	0.00	0.00	55	270
Sale and/or Maturity of Investments	285	194	264	1,308	777	670	578	410	1,155	953	1,286
Net Cash From Financing Activities	274	658	796	615	405	1,744	317	375	383	-37	-828
Net Cash From Continuing Financing Activities	274	658	796	615	405	1,744	317	375	383	-37	-828
Net Change in Deposits	327	416	607	432	1,108	2,418	888	-679	886	994	-1,150
Issuance of Debt	1.58	366	237	284	-322	0.00	14	-	-398	-	337
Issuance of Common Equity	0.93	1.43	1.04	2.35	1.99	1.01	3.14	3.88	0.78	0.23	0.00
Repayment of Debt	-10	-58	-10	-40	-221	-705	-365	1,201	0.00	-903	-200
Payment of Dividends	-29	-34	-35	-58	-78	-85	-96	-99	-103	-124	-192
Other Financing Activities, Net	-0.42	-0.59	-4.57	-5.00	-2.87	-2.26	-2.58	-3.23	-2.49	-3.96	378
Cash Interest Paid	28	30	48	99	160	101	41	71	327	516	658
Cash Income Taxes Paid	21	28	24	11	25	26	1.34	1.63	19	3.75	4.22

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-29	-21	19	49	82	-174	80	1,155	-794	172	-186
Net Cash From Operating Activities	89	53	57	86	68	98	62	1,904	157	114	127
Net Cash From Continuing Operating Activities	89	53	57	86	68	98	62	1,904	157	114	127
Net Income / (Loss) Continuing Operations	54	57	50	25	76	58	50	20	92	112	122
Consolidated Net Income / (Loss)	54	57	50	25	76	58	50	20	92	112	122
Provision For Loan Losses	4.99	8.71	8.24	22	2.60	17	18	106	16	2.21	2.74
Depreciation Expense	8.70	13	9.50	8.40	8.70	8.71	3.17	12	13	-17	4.92
Amortization Expense	0.98	1.26	2.87	23	-40	-6.98	-1.00	-27	-24	-2.18	-12
Non-Cash Adjustments to Reconcile Net Income	1.91	-3.70	-8.72	4.62	-3.01	31	-3.99	1,825	1.93	64	-8.13
Changes in Operating Assets and Liabilities, net	19	-23	-4.65	2.67	23	-9.55	-3.61	-31	58	-45	17
Net Cash From Investing Activities	-168	-370	-215	-167	99	-12	9.64	78	-557	-327	23
Net Cash From Continuing Investing Activities	-168	-370	-215	-167	99	-12	9.64	78	-557	-327	23
Purchase of Investment Securities	-522	-467	-345	-759	-70	-143	-112	-934	-729	-579	-284
Sale and/or Maturity of Investments	308	86	130	537	169	124	122	741	172	252	308
Net Cash From Financing Activities	49	296	176	131	-84	-260	8.39	-827	-394	385	-337
Net Cash From Continuing Financing Activities	49	296	176	131	-84	-260	8.39	-827	-394	385	-337
Net Change in Deposits	375	32	460	138	303	92	105	-756	-306	-193	-80
Issuance of Debt	-300	-	-254	25	-356	-	-59	-202	-36	634	-196
Issuance of Common Equity	0.09	0.22	0.23	-	-	0.00	0.00	385	-	-385	0.00
Payment of Dividends	-25	-27	-27	-32	-32	-33	-34	-51	-51	-56	-56
Other Financing Activities, Net	-0.19	-0.11	-2.68	-0.96	-0.11	-0.21	-3.68	-2.58	-0.31	385	-5.29
Cash Interest Paid	89	102	109	134	138	135	119	192	175	172	156
Cash Income Taxes Paid	15	4.00	0.09	-	0.27	0.20	0.70	2.02	1.21	0.29	-6.22

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	7,693	8,427	9,315	13,766	17,563	19,628	20,065	20,461	21,166	24,585	37,586
Cash and Due from Banks	111	121	118	167	163	172	181	216	197	196	234
Federal Funds Sold	1.67	0.45	0.50	0.22	38	2.01	2.82	1.46	14	3.94	26
Interest Bearing Deposits at Other Banks	30	58	81	94	235	319	619	102	168	154	706
Trading Account Securities	1,145	1,185	1,174	2,267	2,501	3,085	4,110	3,590	3,069	3,246	5,079
Loans and Leases, Net of Allowance	5,637	6,270	7,103	9,675	12,569	13,861	13,096	14,338	15,503	18,292	27,501
Loans and Leases	5,671	6,307	7,142	9,716	12,611	14,021	13,196	14,449	15,635	18,471	27,796
Allowance for Loan and Lease Losses	34	37	38	41	42	161	100	111	132	179	295
Loans Held for Sale	-	-	-	-	55	97	13,117	3.94	6.71	9.42	18
Premises and Equipment, Net	126	122	120	147	161	164	135	118	91	113	167
Goodwill	294	298	299	727	936	936	936	925	925	1,214	1,733
Intangible Assets	23	21	15	49	74	57	43	27	19	85	316
Other Assets	326	352	406	639	832	936	922	1,139	1,175	1,273	1,806
Total Liabilities & Shareholders' Equity	7,693	8,427	9,315	13,766	17,563	19,628	20,065	20,461	21,166	24,585	37,586
Total Liabilities	6,698	7,426	8,269	11,841	15,050	16,920	17,355	18,088	18,610	21,442	32,579
Non-Interest Bearing Deposits	1,373	1,394	1,502	2,095	2,970	4,369	5,207	4,883	3,963	4,277	6,845
Interest Bearing Deposits	4,591	4,986	5,490	7,876	10,335	11,354	11,404	11,048	12,855	16,121	23,627
Short-Term Debt	389	577	794	1,088	436	351	118	1,319	921	116	725
Long-Term Debt	291	413	425	668	1,077	490	389	390	391	418	772
Other Long-Term Liabilities	54	56	58	114	231	356	237	448	480	510	610
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	0.00
Total Equity & Noncontrolling Interests	995	1,001	1,046	1,925	2,513	2,708	2,710	2,373	2,556	3,143	5,006
Total Preferred & Common Equity	995	1,001	1,046	1,925	2,513	2,708	2,710	2,373	2,556	3,143	5,006
Preferred Stock	-	-	-	-	0.00	0.17	0.17	0.17	0.17	0.17	0.17
Total Common Equity	995	1,001	1,046	1,925	2,513	2,708	2,710	2,373	2,556	3,143	5,006
Common Stock	691	663	668	1,468	1,896	2,021	1,907	1,871	1,881	2,399	4,077
Retained Earnings	298	342	379	467	581	616	784	920	1,018	1,103	1,185
Accumulated Other Comprehensive Income / (Loss)	6.25	-3.81	-0.88	-10	36	71	19	-418	-343	-360	-256

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	Q3 2022	Q1 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	19,950	20,103	21,378	24,761	24,804	24,633	37,289	37,073	37,315
Cash and Due from Banks	178	187	169	233	232	194	338	342	451
Federal Funds Sold	1.19	0.72	2.43	5.82	4.69	3.96	4.38	4.85	7.46
Interest Bearing Deposits at Other Banks	212	184	225	207	291	236	1,246	447	321
Trading Account Securities	3,559	3,108	3,031	3,366	3,415	3,305	4,636	5,151	4,882
Loans and Leases, Net of Allowance	13,811	14,468	15,715	18,189	18,177	18,234	27,013	27,068	27,655
Loans and Leases	13,919	14,584	15,852	18,347	18,337	18,428	27,328	27,361	27,946
Allowance for Loan and Lease Losses	108	117	136	158	161	194	316	293	291
Loans Held for Sale	13	14,482	12	13	11	9.53	33	25	21
Premises and Equipment, Net	126	116	90	115	115	112	165	168	163
Goodwill	925	925	925	1,207	1,213	1,214	1,711	1,726	1,755
Intangible Assets	29	24	17	96	90	79	351	333	300
Other Assets	1,096	1,075	1,190	1,329	1,255	1,245	1,791	1,806	1,760
Total Liabilities & Shareholders' Equity	19,950	20,103	21,378	24,761	24,804	24,633	37,289	37,073	37,315
Total Liabilities	17,669	17,663	18,829	21,718	21,621	21,447	32,457	32,156	32,263
Non-Interest Bearing Deposits	5,291	4,578	3,845	4,527	4,423	4,471	7,039	7,105	6,844
Interest Bearing Deposits	11,255	11,878	13,433	15,474	15,882	16,032	23,933	23,561	23,548
Short-Term Debt	280	409	666	790	434	57	127	92	530
Long-Term Debt	390	390	391	417	418	419	765	769	775
Other Long-Term Liabilities	453	408	493	510	464	469	592	630	567
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	2,281	2,440	2,549	3,044	3,182	3,185	4,833	4,917	5,052
Total Preferred & Common Equity	2,281	2,440	2,549	3,044	3,182	3,185	4,833	4,917	5,052
Preferred Stock	0.17	0.17	0.17	0.17	0.17	0.17	0.17	0.17	0.17
Total Common Equity	2,281	2,440	2,549	3,044	3,182	3,185	4,832	4,917	5,052
Common Stock	1,869	1,872	1,882	2,392	2,396	2,399	4,065	4,071	4,079
Retained Earnings	874	930	1,041	1,034	1,079	1,120	1,088	1,129	1,251
Accumulated Other Comprehensive Income / (Loss)	-462	-362	-374	-383	-292	-334	-321	-283	-278

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

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.49	$1.77	$1.67	$2.22	$2.41	$1.93	$3.26	$2.97	$2.53	$2.29	$2.03
Adjusted Weighted Average Basic Shares Outstanding	45.05M	43.78M	43.70M	65.86M	80.20M	78.86M	77.40M	74.95M	74.96M	86.15M	128.78M
Adjusted Diluted Earnings per Share	$1.49	$1.77	$1.67	$2.22	$2.41	$1.93	$3.26	$2.97	$2.53	$2.24	$2.03
Adjusted Weighted Average Diluted Shares Outstanding	45.14M	43.89M	43.78M	65.91M	80.26M	78.88M	77.42M	74.95M	74.96M	87.91M	129.16M
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	44.07M	43.63M	65.76M	81.90M	79.22M	78.80M	75.58M	74.72M	75.08M	89.83M	142.54M
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	142,535,248.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	142,535,248.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	0.86
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	1.55%	-2.57%	6.32%	18.19%	21.33%	19.06%	23.04%	93.38%	70.78%	-	72.11%
EBITDA Growth	-8.83%	-14.11%	33.58%	-9.75%	-19.57%	-9.81%	-11.85%	-96.54%	73.88%	-	132.40%
EBIT Growth	-6.33%	-18.75%	39.39%	-43.32%	40.43%	6.64%	2.74%	-52.21%	26.35%	-	151.38%
NOPAT Growth	-6.98%	-19.31%	39.59%	-54.45%	41.46%	1.54%	0.10%	-21.34%	20.58%	-	145.22%
Net Income Growth	-6.98%	-19.31%	39.59%	-54.45%	41.46%	1.54%	0.10%	-21.34%	20.58%	-	145.22%
EPS Growth	-8.11%	-21.11%	40.91%	-64.29%	20.59%	-22.54%	-16.13%	-52.00%	-23.17%	-	61.54%
Operating Cash Flow Growth	-29.99%	-42.55%	-8.79%	17.54%	-24.47%	84.44%	8.81%	2,123.17%	132.47%	-	105.26%
Free Cash Flow Firm Growth	1,501.96%	134.01%	-57.98%	-230.22%	-231.73%	-8.01%	98.61%	65.56%	58.30%	-	-57,987.05%
Invested Capital Growth	0.00%	-5.22%	11.35%	0.00%	0.00%	-4.93%	1.50%	34.70%	43.20%	-	73.64%
Revenue Q/Q Growth	1.56%	2.50%	0.00%	20.17%	4.26%	0.58%	-2.36%	88.86%	-7.93%	-	-5.17%
EBITDA Q/Q Growth	-0.22%	7.65%	0.00%	-5.82%	-11.07%	20.71%	-12.80%	-96.30%	4,363.09%	-	20.52%
EBIT Q/Q Growth	1.53%	2.03%	0.00%	-38.88%	151.53%	-22.52%	-13.75%	-71.57%	564.92%	-	9.10%
NOPAT Q/Q Growth	-2.22%	5.35%	0.00%	-49.44%	203.70%	-24.38%	-13.79%	-60.27%	365.57%	-	9.11%
Net Income Q/Q Growth	-2.22%	5.35%	0.00%	-49.44%	203.70%	-24.38%	-13.79%	-60.27%	365.57%	-	9.11%
EPS Q/Q Growth	-2.86%	4.41%	0.00%	-59.68%	228.00%	-32.93%	-5.45%	-76.92%	425.00%	-	10.53%
Operating Cash Flow Q/Q Growth	22.67%	-40.38%	0.00%	50.22%	-21.17%	45.59%	-36.89%	2,969.26%	-91.76%	-	11.23%
Free Cash Flow Firm Q/Q Growth	-7.39%	-91.01%	0.00%	-1,229.80%	6.32%	106.28%	-101.78%	-32,741.23%	-13.43%	-	5.17%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	17.85%	-5.08%	-8.85%	-0.45%	56.39%	0.91%	-	-2.26%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	42.01%	44.13%	41.66%	32.65%	27.85%	33.43%	29.85%	0.59%	28.36%	-	40.31%
EBIT Margin	36.61%	36.44%	34.53%	17.56%	42.37%	32.64%	28.83%	4.34%	31.35%	-	42.11%
Profit (Net Income) Margin	30.17%	31.01%	28.71%	12.08%	35.18%	26.45%	23.35%	4.91%	24.84%	-	33.27%
Tax Burden Percent	82.42%	85.10%	83.14%	68.76%	83.03%	81.04%	81.00%	113.17%	79.24%	-	79.02%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	-	100.00%
Effective Tax Rate	17.58%	14.90%	16.86%	31.24%	16.97%	18.96%	19.00%	-13.17%	20.76%	-	20.98%
Return on Invested Capital (ROIC)	0.00%	5.48%	5.97%	4.23%	13.64%	5.73%	5.51%	1.04%	6.10%	-	10.15%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	5.48%	5.97%	4.23%	13.64%	5.73%	5.51%	1.04%	6.10%	-	10.15%
Return on Net Nonoperating Assets (RNNOA)	0.00%	3.36%	2.22%	1.68%	3.65%	1.86%	1.47%	0.28%	1.29%	-	2.19%
Return on Equity (ROE)	0.00%	8.83%	8.20%	5.91%	17.30%	7.59%	6.98%	1.31%	7.39%	-	12.35%
Cash Return on Invested Capital (CROIC)	0.00%	10.44%	-4.43%	-191.25%	-189.68%	10.60%	4.26%	-25.49%	-31.05%	-	-46.92%
Operating Return on Assets (OROA)	0.00%	1.23%	1.19%	0.53%	1.34%	1.17%	1.07%	0.15%	1.22%	-	2.08%
Return on Assets (ROA)	0.00%	1.05%	0.99%	0.36%	1.11%	0.95%	0.87%	0.17%	0.97%	-	1.64%
Return on Common Equity (ROCE)	0.00%	8.83%	8.19%	5.91%	17.30%	7.59%	6.98%	1.31%	7.39%	-	12.34%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%	8.47%	6.11%	6.54%	0.00%	6.57%	4.22%	4.46%	-	6.85%
Net Operating Profit after Tax (NOPAT)	54	57	50	25	76	58	50	20	92	-	122
NOPAT Margin	30.17%	31.01%	28.71%	12.08%	35.18%	26.45%	23.35%	4.91%	24.84%	-	33.27%
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%
SG&A Expenses to Revenue	43.06%	42.35%	47.45%	44.84%	43.27%	43.92%	47.48%	37.25%	40.58%	-	42.24%
Operating Expenses to Revenue	60.61%	58.82%	60.72%	72.00%	56.43%	59.35%	62.90%	69.42%	64.28%	-	57.14%
Earnings before Interest and Taxes (EBIT)	66	67	60	37	92	71	62	17	116	-	155
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	75	81	72	68	60	73	64	2.36	105	-	148
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	0.00	0.96	1.06	1.07	0.88	0.91	1.02	-	1.01
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	1.68	1.80	1.83	1.48	1.59	1.76	-	1.70
Price to Revenue (P/Rev)	2.94	0.00	0.00	3.93	4.32	4.12	3.26	4.19	4.17	-	3.33
Price to Earnings (P/E)	10.20	0.00	0.00	16.80	17.22	17.09	14.18	22.97	24.22	-	15.24
Dividend Yield	5.42%	3.49%	3.58%	3.87%	3.40%	3.46%	4.24%	4.33%	3.85%	-	3.97%
Earnings Yield	9.80%	0.00%	0.00%	5.95%	5.81%	5.85%	7.05%	4.35%	4.13%	-	6.56%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.87	0.92	0.97	0.78	0.65	0.88	-	0.88
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	4.95	4.74	4.34	3.31	3.53	4.23	-	3.68
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	12.43	13.16	12.97	10.70	18.60	20.86	-	14.85
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	16.10	14.51	13.67	10.86	15.32	19.11	-	13.06
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	19.82	17.80	16.98	13.57	18.21	23.21	-	16.24
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	13.58	14.86	11.51	9.06	1.74	2.29	-	2.44
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	8.88	18.32	0.00	0.00	-	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.51	0.42	0.40	0.27	0.17	0.15	0.18	0.18	-	0.26
Long-Term Debt to Equity	0.00	0.15	0.15	0.14	0.13	0.13	0.13	0.16	0.16	-	0.15
Financial Leverage	0.00	0.61	0.37	0.40	0.27	0.32	0.27	0.27	0.21	-	0.22
Leverage Ratio	0.00	8.45	8.31	8.14	7.79	8.03	8.02	7.88	7.64	-	7.52
Compound Leverage Factor	0.00	8.45	8.31	8.14	7.79	8.03	8.02	7.88	7.64	-	7.52
Debt to Total Capital	0.00%	33.91%	29.33%	28.39%	21.12%	14.54%	12.99%	15.59%	14.89%	-	20.52%
Short-Term Debt to Total Capital	0.00%	23.81%	18.48%	18.59%	10.76%	3.16%	1.56%	2.22%	1.59%	-	8.33%
Long-Term Debt to Total Capital	0.00%	10.11%	10.85%	9.80%	10.36%	11.37%	11.44%	13.37%	13.31%	-	12.19%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	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	0.00%	66.08%	70.67%	71.61%	78.87%	85.46%	87.00%	84.40%	85.11%	-	79.47%
Debt to EBITDA	0.00	4.59	3.48	4.07	3.02	1.95	1.79	4.47	3.52	-	3.45
Net Debt to EBITDA	0.00	3.27	2.18	2.57	1.15	0.66	0.16	-3.49	0.27	-	1.39
Long-Term Debt to EBITDA	0.00	1.37	1.29	1.41	1.48	1.53	1.58	3.84	3.15	-	2.05
Debt to NOPAT	0.00	6.50	4.90	6.49	4.09	2.56	2.27	4.38	3.92	-	3.77
Net Debt to NOPAT	0.00	4.63	3.06	4.09	1.56	0.86	0.20	-3.41	0.30	-	1.52
Long-Term Debt to NOPAT	0.00	1.94	1.81	2.24	2.01	2.00	2.00	3.76	3.50	-	2.24
Noncontrolling Interest Sharing Ratio	0.00%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%	-	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	3,005	270	-318	-4,225	-3,958	249	-4.43	-1,455	-1,651	-	-2,574
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	31.56	2.55	-2.76	-30.99	-27.95	1.83	-0.04	-7.70	-8.96	-	-16.15
Operating Cash Flow to Interest Expense	0.94	0.50	0.50	0.63	0.48	0.72	0.51	10.07	0.85	-	0.80
Operating Cash Flow Less CapEx to Interest Expense	0.94	0.50	0.50	0.63	0.48	0.72	0.51	10.07	0.85	-	0.80
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.03	0.03	0.03	0.03	0.04	0.04	0.03	0.04	-	0.05
Fixed Asset Turnover	0.00	6.71	6.89	6.47	6.80	8.03	8.49	7.52	8.51	-	11.14
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	3,868	3,607	4,250	4,035	3,677	3,661	5,725	5,777	-	6,357
Invested Capital Turnover	0.00	0.18	0.21	0.35	0.39	0.22	0.24	0.21	0.25	-	0.31
Increase / (Decrease) in Invested Capital	-2,951	-213	368	4,250	4,035	-191	54	1,475	1,743	-	2,696
Enterprise Value (EV)	0.00	0.00	0.00	3,684	3,706	3,551	2,839	3,712	5,095	-	5,619
Market Capitalization	2,077	0.00	0.00	2,923	3,382	3,370	2,797	4,408	5,029	-	5,094
Book Value per Share	$0.00	$34.10	$33.89	$33.90	$35.44	$35.01	$35.46	$33.92	$34.50	-	$35.44
Tangible Book Value per Share	$0.00	$21.50	$21.36	$19.38	$20.93	$20.54	$21.06	$19.44	$20.05	-	$21.03
Total Capital	0.00	3,868	3,607	4,250	4,035	3,677	3,661	5,725	5,777	-	6,357
Total Debt	0.00	1,312	1,058	1,207	852	535	476	893	860	-	1,305
Total Long-Term Debt	0.00	391	391	417	418	418	419	765	769	-	775
Net Debt	0.00	934	661	761	324	181	42	-696	66	-	524
Capital Expenditures (CapEx)	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
Net Nonoperating Obligations (NNO)	0.00	1,312	1,058	1,207	852	535	476	893	860	-	1,305
Total Depreciation and Amortization (D&A)	9.68	14	12	31	-32	1.72	2.17	-15	-11	-	-6.62
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.71	$0.62	$0.25	$0.82	$0.60	$0.53	$0.12	$0.63	$0.75	$0.84
Adjusted Weighted Average Basic Shares Outstanding	0.00	74.96M	75.20M	89.77M	89.78M	86.15M	89.22M	141.68M	141.73M	128.78M	141.90M
Adjusted Diluted Earnings per Share	$0.00	$0.71	$0.62	$0.25	$0.82	$0.55	$0.52	$0.12	$0.63	$0.76	$0.84
Adjusted Weighted Average Diluted Shares Outstanding	0.00	74.96M	75.20M	89.77M	89.78M	87.91M	90.07M	141.74M	141.99M	129.16M	142.28M
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	0.00	75.08M	89.77M	89.78M	89.78M	89.83M	142.47M	142.51M	142.52M	142.54M	143.12M
Normalized Net Operating Profit after Tax (NOPAT)	56	57	50	46	78	58	54	67	120	-	129
Normalized NOPAT Margin	31.09%	31.01%	28.71%	21.90%	35.70%	26.45%	25.23%	16.75%	32.27%	-	35.22%
Pre Tax Income Margin	36.61%	36.44%	34.53%	17.56%	42.37%	32.64%	28.83%	4.34%	31.35%	-	42.11%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.69	0.63	0.52	0.27	0.65	0.52	0.51	0.09	0.63	-	0.97
NOPAT to Interest Expense	0.57	0.54	0.43	0.18	0.54	0.43	0.41	0.10	0.50	-	0.77
EBIT Less CapEx to Interest Expense	0.69	0.63	0.52	0.27	0.65	0.52	0.51	0.09	0.63	-	0.97
NOPAT Less CapEx to Interest Expense	0.57	0.54	0.43	0.18	0.54	0.43	0.41	0.10	0.50	-	0.77
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	47.20%	51.18%	48.58%	59.79%	56.35%	59.23%	62.33%	73.67%	77.39%	-	61.94%
Augmented Payout Ratio	47.20%	51.18%	48.58%	59.79%	56.35%	59.23%	62.33%	73.67%	77.39%	-	61.94%

Financials Breakdown Chart

Key Financial Trends

Atlantic Union Bankshares (NASDAQ: AUB) has delivered strong earnings growth over the last year, but the quality of that growth is mixed. Revenue and net income improved sharply from 2024 to early 2026, while loan balances and deposits also expanded. However, the company has been dealing with rising restructuring charges, higher operating expenses, and some pressure on funding and cash flow in recent quarters.

What stands out most is the jump in profitability: Q1 2026 net income attributable to common shareholders was $119.2 million, up from $108.999 million in Q4 2025 and well above $46.9 million in Q1 2025. Earnings per share also improved to $0.84 in Q1 2026 from $0.75 a year earlier in Q4 2025 and $0.53 in Q1 2025. That suggests the bank’s core earnings power has strengthened meaningfully.

Top-line trends were also constructive. Q1 2026 total revenue rose to $367.2 million, compared with $213.3 million in Q1 2025 and $218.5 million in Q4 2024. Net interest income reached $312.4 million in Q1 2026, versus $184.2 million a year earlier, helped by a much larger loan book and higher interest income.

Loan growth has been impressive over the period. Total loans and leases increased to $27.9 billion in Q1 2026 from $18.4 billion in Q1 2025 and $15.9 billion in Q1 2024. Deposits also rose sharply year over year, with interest-bearing deposits at $23.5 billion in Q1 2026 versus $16.0 billion in Q1 2025. That supports franchise growth, though it also means the balance sheet has become much larger and more complex.

At the same time, the company’s cost structure has been noisy. Non-interest expense climbed to $209.8 million in Q1 2026, up from $134.2 million in Q1 2025. Restructuring charges have been a recurring item, including $9.0 million in Q1 2026 after a very large $38.6 million charge in Q4 2025 and $78.9 million in Q2 2025. Those charges can reflect strategic cleanup, but they also weigh on reported results.

Credit quality looks manageable for now, but not spotless. The provision for credit losses was just $2.7 million in Q1 2026, down from $105.7 million in Q2 2025 and $16.2 million in Q3 2025. Still, the allowance for loan and lease losses was $291.1 million in Q1 2026, and the bank is operating with a much larger loan portfolio than it had a year ago, so investors should keep watching reserve trends.

Cash flow shows a mixed picture. Operating cash flow was solid at $127.3 million in Q1 2026, but net cash decreased by $186.3 million because financing outflows were heavy. Deposits declined by $80.0 million in the quarter, and the company also paid $55.7 million in dividends. That is not a crisis, but it does show that liquidity management remains important.

Overall, AUB looks like a bank with improving earnings momentum and strong balance-sheet expansion, but investors should not ignore the rising expense base and the recurring restructuring items. If management can keep credit losses contained and make the new larger balance sheet more efficient, the recent earnings trend could continue. If not, margin pressure and expense volatility could limit upside.

Net income and EPS have improved materially, with Q1 2026 common net income of $119.2 million and EPS of $0.84 versus $46.9 million and $0.53 in Q1 2025.
Revenue growth has been strong, with Q1 2026 total revenue of $367.2 million versus $213.3 million in Q1 2025.
Net interest income expanded significantly to $312.4 million in Q1 2026 from $184.2 million in Q1 2025.
Loan balances increased sharply, reaching $27.9 billion in Q1 2026 from $18.4 billion a year earlier.
Deposits also grew meaningfully, supporting funding for the larger balance sheet.
Operating cash flow remained positive at $127.3 million in Q1 2026, indicating the core business still generates cash.
Credit provisions were low in Q1 2026 at $2.7 million, but reserve trends should be monitored as the loan book expands.
The balance sheet is now much larger, which can help earnings but also increases complexity and funding sensitivity.
Non-interest expense rose sharply to $209.8 million in Q1 2026 from $134.2 million in Q1 2025.
Recurring restructuring charges are a concern, with $9.0 million in Q1 2026 and much larger charges in prior quarters.

Bottom line: Atlantic Union Bankshares is showing clear earnings improvement, but the market will likely want to see more consistent expense control and cleaner cash-flow trends before assigning a higher-quality growth multiple.

06/10/26 11:28 AM ETAI Generated. May Contain Errors.

Atlantic Union Bankshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Atlantic Union Bankshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Atlantic Union Bankshares' net income appears to be on an upward trend, with a most recent value of $273.72 million in 2025, rising from $67.08 million in 2015. The previous period was $209.13 million in 2024.

Over the last 10 years, Atlantic Union Bankshares' total revenue changed from $316.84 million in 2015 to $1.37 billion in 2025, a change of 333.8%.

Atlantic Union Bankshares' total liabilities were at $32.58 billion at the end of 2025, a 51.9% increase from 2024, and a 386.4% increase since 2015.

In the past 10 years, Atlantic Union Bankshares' cash and equivalents has ranged from $111.32 million in 2015 to $234.26 million in 2025, and is currently $234.26 million as of their latest financial filing in 2025.

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Financial statements for NASDAQ:AUBAP last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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