logo
Twitter
Discord
Email
logo
Atlantic Union Bankshares Corporation

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
4300 Cox Road, Glen Allen, VA, 23060, United States
804-633-5031
www.atlanticunionbank.com
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
46%
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)

Grupo Financiero Galicia S.A.GGAL
$7.86B
-5.1%
Valley National BancorpVLY
$3.32B
-6.7%
Hancock Whitney CorporationHWC
$2.01B
+0.8%

Gross Margin (Latest Quarter)

Home Bancshares, Inc. (Conway, AR)HOMB
98.0%
+34.8 pp
Grupo Financiero Galicia S.A.GGAL
73.0%
-17.1 pp
Hancock Whitney CorporationHWC
72.4%
+6.2 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
GGAL$7.41B9.919.9%5.9%
VLY$6.01B12.06.7%5.4%
HOMB$5.48B12.011.2%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%
    Miss
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $590.62M+72.0%
    |
    EPS: $0.19-24.0%
    Miss
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $333.75M+16.2%
    |
    EPS: $0.53-14.5%
    Miss
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $1.35B+28.8%
    |
    EPS: $2.29-9.5%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 5, 2024|
    Revenue: $357.37M+31.0%
    |
    EPS: $0.82+20.6%
    Meet
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 6, 2024|
    Revenue: $343.43M+35.8%
    |
    EPS: $0.25-64.3%
    Miss
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 2, 2024|
    Revenue: $287.14M+27.3%
    |
    EPS: $0.62+40.9%
    Miss
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 22, 2024|
    Revenue: $1.05B+34.2%
    |
    EPS: $2.53-14.8%
    Beat