
Atlantic Union Bankshares Corporation
NASDAQ•AUB
CEO: Mr. John C. Asbury
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1993-10-06
Atlantic Union Bankshares Corporation operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States. It operates in two segments, Wholesale Banking and Consumer Banking. The company accepts various deposit products, including checking, savings, time deposit, and money market accounts; certificates of deposit; and other depository services. It also provides loans for commercial, industrial, residential mortgage, and consumer purposes, as well as debit and credit cards. In addition, it provides treasury management and capital market, wealth management, private banking, trust, financial and retirement planning, brokerage, investment management, equipment finance, mortgage banking, and insurance products and services. The company offers products and services through full-service branches and ATMs, as well as through its mobile and internet banking. The company was formerly known as Union Bankshares Corporation and changed its name to Atlantic Union Bankshares Corporation in May 2019. Atlantic Union Bankshares Corporation was founded in 1902 and is headquartered in Glen Allen, Virginia.
Contact Information
Market Cap
$4.68B
P/E (TTM)
13.4
13.5
Dividend Yield
4.2%
52W High
$44.54
52W Low
$22.85
52W Range
4.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024
Financial Dashboard
Q3 2025 Data
Revenue
$538.96M+50.81%
4-Quarter Trend
EPS
$0.63-23.17%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Strong Net Interest Margin Growth Nine-month FTE NIM expanded 38 bps to 3.73%, driven by loan accretion income and lower cost of funds despite higher average balances.
Balance Sheet Expanded Post-Merger Total assets reached $37.1B, reflecting $12.5B growth from the April 1, 2025 Sandy Spring acquisition. Deposits grew 50.3% to $30.7B.
Net Income Up, EPS Declined Nine-month net income rose to $161.7M, but basic EPS fell to $1.23 from $1.68 due to significantly increased share count post-acquisition.
Merger Costs Impact Expenses Noninterest expense surged 72.6% for nine months, heavily impacted by $94.8M in merger-related costs associated with the Sandy Spring integration.
Risk Factors
Acquired Loan Quality Concerns Nonaccrual LHFI rose to $131.2M, driven by PCD loans from Sandy Spring; provision expense increased significantly to $139.6M YTD.
High Merger Integration Expenses Merger-related costs totaled $118.7M YTD, masking underlying operating performance; integration risks remain until full synergy realization.
Liability Sensitive Position Economic value equity modeling shows increased liability sensitivity in rising rate environments, potentially decreasing longer-term equity value.
Outlook
NIM Expected to Increase Expect net interest income to increase with immediate rate shocks due to asset sensitivity in the near term, benefiting from loan accretion.
Managing Acquired Credit Risk Management monitors acquired CRE and commercial portfolios closely; credit risk management remains a key focus following the large acquisition.
Capital Ratios Remain Strong Regulatory capital ratios remain well above minimums, with CET1 at 9.92% as of September 30, 2025, supporting anticipated asset growth.
Peer Comparison
Revenue (TTM)
$7.86B
VLY$3.32B
$2.01B
Gross Margin (Latest Quarter)
98.0%
73.0%
72.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| GGAL | $7.41B | 9.9 | 19.9% | 5.9% |
| VLY | $6.01B | 12.0 | 6.7% | 5.4% |
| HOMB | $5.48B | 12.0 | 11.2% | 4.3% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+14.6%
Steady Growth
4Q Net Income CAGR
+16.8%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow
Research & Insights
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 4, 2025|Revenue: $538.96M+50.8%|EPS: $0.63-23.2%MissForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 5, 2025|Revenue: $590.62M+72.0%|EPS: $0.19-24.0%MissForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 7, 2025|Revenue: $333.75M+16.2%|EPS: $0.53-14.5%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 27, 2025|Revenue: $1.35B+28.8%|EPS: $2.29-9.5%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 5, 2024|Revenue: $357.37M+31.0%|EPS: $0.82+20.6%MeetForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 6, 2024|Revenue: $343.43M+35.8%|EPS: $0.25-64.3%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 2, 2024|Revenue: $287.14M+27.3%|EPS: $0.62+40.9%MissForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 22, 2024|Revenue: $1.05B+34.2%|EPS: $2.53-14.8%Beat