Logo

AUB

Atlantic Union Bankshares Corporation

AUB

Atlantic Union Bankshares Corporation • NASDAQ
$33.83 ▼ -0.59% (-0.20)
Market Cap $4.82 B
52w High $43.45
52w Low $22.85
Dividend Yield 1.39%
P/E 19.01
Volume 456.66K
Outstanding Shares 142.52M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $538.955M ▼ $238.446M ▼ $92.14M ▲ 17.096% ▲ $0.63 ▲ $134.427M ▲
Q2-2025 $590.616M ▲ $278.42M ▲ $19.791M ▼ 3.351% ▼ $0.19 ▼ $29.64M ▼
Q1-2025 $333.75M ▼ $132.935M ▼ $49.818M ▼ 14.927% ▼ $0.53 ▼ $70.833M ▼
Q4-2024 $358.475M ▲ $133.718M ▲ $57.785M ▼ 16.12% ▼ $0.62 ▼ $80.011M ▼
Q3-2024 $357.369M $121.137M $76.415M 21.383% $0.82 $100.737M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $860.672M ▼ $37.073B ▼ $32.156B ▼ $4.917B ▲
Q2-2025 $1.688B ▼ $37.289B ▲ $32.457B ▲ $4.833B ▲
Q1-2025 $2.914B ▲ $24.633B ▲ $21.447B ▲ $3.185B ▲
Q4-2024 $2.792B ▼ $24.585B ▼ $21.442B ▼ $3.143B ▼
Q3-2024 $3.132B $24.804B $21.621B $3.182B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $19.792M ▼ $1.904B ▲ $77.758M ▲ $-827.173M ▼ $1.155B ▲ $1.906B ▲
Q1-2025 $49.818M ▼ $62.032M ▼ $9.643M ▲ $8.389M ▲ $80.064M ▲ $59.634M ▼
Q4-2024 $57.785M ▼ $98.293M ▲ $-12.193M ▼ $-260.096M ▼ $-173.996M ▼ $97.443M ▲
Q3-2024 $76.416M ▲ $67.512M ▼ $98.708M ▲ $-84.164M ▼ $82.056M ▲ $64.063M ▼
Q2-2024 $25.161M $85.64M $-167.305M $131.009M $49.344M $84.67M

Revenue by Products

Product Q2-2020Q3-2020Q4-2020Q1-2021
Asset Management1
Asset Management1
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Deposit Account
Deposit Account
 $0 ▲$10.00M ▲$10.00M ▲$10.00M ▲
Financial Service Other
Financial Service Other
 $0 ▲$0 ▲$0 ▲$0 ▲
Interchange Fees Net
Interchange Fees Net
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown well over the past few years, especially recently, showing that the bank is winning more business and benefiting from its expansion. Profit levels, however, have not risen as fast as revenue: earnings peaked earlier in the period and have since been fairly flat. This suggests pressure from higher funding costs, competition for deposits, and possibly higher expenses tied to technology and integration. Overall profitability remains healthy for a regional bank, but the story is more about steady resilience than rapid profit growth. The key watchpoint is whether recent scale gains can eventually translate into wider margins and stronger per‑share earnings again.

Balance Sheet

Balance Sheet The balance sheet has expanded steadily, reflecting organic growth and acquisitions, with the bank now operating at a larger and more diversified scale. Equity has strengthened meaningfully in the most recent year after a dip, indicating rebuilding of capital and healthier underlying value for the franchise. Debt levels have come down from prior peaks, which reduces funding risk and points to a more conservative stance after a volatile rate environment. Cash balances move around from year to year, as is normal for a bank, but there is no obvious sign of stress. Overall, the balance sheet looks sound, with growing assets supported by a better capital position and less reliance on borrowed funds than at recent highs.

Cash Flow

Cash Flow Cash generation from the core business has been consistently positive, tracking the bank’s stable earnings profile. Free cash flow is very close to operating cash flow, because the business is not particularly capital‑intensive and does not require heavy spending on physical assets. This means most cash generated can support dividends, acquisitions, technology investments, and balance‑sheet strength rather than large maintenance needs. The pattern points to a dependable cash engine, with modest swings rather than big booms or busts. The main variable is the interest‑rate and credit cycle, not the bank’s ability to convert earnings into cash.

Competitive Edge

Competitive Edge Atlantic Union has built a strong regional franchise in the Mid‑Atlantic, with especially deep roots in Virginia and an expanded presence into Maryland through acquisitions. Its community‑bank style, relationship‑based approach gives it a loyal customer base and an advantage versus national banks that can feel more distant. At the same time, it offers a full suite of products—commercial lending, treasury services, wealth management, and insurance—making it a one‑stop shop for many businesses and households. Its niche focus in sectors like government contracting, healthcare, and nonprofits adds specialization that can be difficult for generalist banks to match. The main risks are intense competition from both larger banks and nimble fintechs, and the execution challenge of integrating acquired franchises smoothly.

Innovation and R&D

Innovation and R&D For a regional bank, Atlantic Union is notably active in technology, focusing on practical tools rather than flashy experimentation. It has modernized key systems using cloud platforms, is applying AI and automation to underwriting and fraud detection, and has digitized areas like mortgage origination to simplify customer experiences. The bank’s digital business account opening platform shows how targeted tech investments can quickly boost new business activity. Its exploration of blockchain and minority stakes in fintech companies suggest a strategy of learning from and selectively adopting new technologies rather than trying to build everything in‑house. Going forward, its ability to turn data and digital tools into more personalized services and efficient operations will be a major driver of differentiation.

Summary

Atlantic Union Bankshares today looks like a scaled, regionally focused bank with solid fundamentals and a clear strategic direction. Financially, it combines growing revenue, steady—though not surging—profits, a stronger capital base, and reliable cash generation. Strategically, it blends community‑bank relationships with increasingly capable digital platforms, and it has used acquisitions to build a leading position in its core Mid‑Atlantic markets. The key opportunities lie in realizing the full benefits of recent deals, using technology to deepen relationships and improve efficiency, and expanding higher‑value fee businesses like wealth management and specialized commercial services. The main uncertainties are the broader interest‑rate and credit environment and the ongoing challenge of standing out in a crowded regional banking landscape while integrating new franchises smoothly.

NEWS

November 19, 2025 · 8:00 AM UTC

Atlantic Union Bankshares Corporation to Host Investor Day

Read more

October 30, 2025 · 4:01 PM UTC

Atlantic Union Bankshares Corporation Declares Quarterly Common Stock Dividend and Preferred Stock Dividend

Read more

October 23, 2025 · 6:45 AM UTC

Atlantic Union Bankshares Reports Third Quarter Financial Results

Read more

October 14, 2025 · 12:51 PM UTC

Atlantic Union Bank Completes Integration of Sandy Spring Bank

Read more

October 1, 2025 · 8:00 AM UTC

Atlantic Union Bankshares Corporation To Release Third Quarter 2025 Financial Results

Read more