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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
$5.21B
P/E (TTM)
18.9
13.9
Dividend Yield
3.9%
52W High
$42.18
52W Low
$22.85
52W Range
71%
Rank40Top 42.0%
4.1
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$558.84M+55.89%
4-Quarter Trend

EPS

$0.77+24.19%
4-Quarter Trend

FCF

$104.45M-100.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Major Asset Growth Post-Acquisition Total assets reached $37.6B, increasing 52.9% from 2024, driven by the successful completion of the Sandy Spring merger in Q2 2025.
Net Interest Margin Expansion FTE Net Interest Margin rose 46 basis points to 3.80% in 2025, primarily due to lower funding costs reflecting Federal Reserve rate cuts.
Net Income Rises Significantly Net income available to common shareholders grew 32.7% to $261.8M in 2025; Adjusted operating EPS reached $3.44.
Strong Capital Adequacy Maintained Consolidated CET1 ratio stood at 10.10%, significantly exceeding regulatory minimums despite substantial balance sheet growth from acquisitions.

Risk Factors

Nonperforming Assets Doubled Total NPAs increased 100.2% to $116.9M, with the NPA ratio rising to 0.42% due to Purchased Credit Deteriorated loans acquired in Q2 2025.
Credit Provisioning Spiked Provision for credit losses rose 183.1% to $141.8M, reflecting Day 1 initial provisions recorded for the Sandy Spring acquisition.
Integration and Growth Management Continued success depends on effectively managing the complexity and increased regulatory scrutiny associated with recent large-scale mergers and expansion.
Interest Rate Sensitivity Exposure Economic Value of Equity simulation shows slight liability sensitivity in rising rate environments, potentially constraining long-term balance sheet value.

Outlook

Uncertain Interest Rate Outlook Economic uncertainty remains elevated; predicting the Federal Reserve's balance between inflation and growth is difficult for NIM forecasting.
Strategic Expansion Continues Company plans future strategic opportunities, assessing acquisitions or organic growth to enhance footprint and achieve economies of scale.
Managing Acquired Loan Quality Management will continue monitoring CRE concentrations and credit quality, especially for acquired portfolios, adjusting ACL based on evolving economic forecasts.

Peer Comparison

Revenue (TTM)

AVAL stock ticker logoAVAL
$8.75B
-3.5%
GGAL stock ticker logoGGAL
$8.17B
+56.7%
FLG stock ticker logoFLG
$4.74B
-25.8%

Gross Margin (Latest Quarter)

FFIN stock ticker logoFFIN
76.2%
+2.4pp
HWC stock ticker logoHWC
75.6%
+5.9pp
GBCI stock ticker logoGBCI
74.2%
+9.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
VLY$6.95B11.67.8%5.3%
GGAL$6.94B11.014.3%6.5%
GBCI$5.76B24.16.5%9.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
18.7%
Strong Growth
4Q Net Income CAGR
31.0%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 22, 2026
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LTM
No Data