Earnings summaries and quarterly performance for Atlantic Union Bankshares.
Executive leadership at Atlantic Union Bankshares.
John Asbury
Detailed
President and Chief Executive Officer
CEO
CM
Clare Miller
Detailed
Executive Vice President and Chief Human Resources Officer
DR
David Ring
Detailed
Executive Vice President and Wholesale Banking Group Executive
DW
Douglas Woolley Jr.
Detailed
Executive Vice President and Chief Credit Officer
MT
Maria Tedesco
Detailed
President and Chief Operating Officer, Atlantic Union Bank
ML
Matthew Linderman
Detailed
Executive Vice President and Chief Information Officer
RL
Rachael Lape
Detailed
Executive Vice President, General Counsel and Corporate Secretary
RG
Robert Gorman
Detailed
Executive Vice President and Chief Financial Officer
SO
Shawn O’Brien
Detailed
Executive Vice President and Consumer & Business Banking Group Executive
SW
Sherry Williams
Detailed
Executive Vice President and Chief Risk Officer
Board of directors at Atlantic Union Bankshares.
BW
Blair Wimbush
Detailed
Director
DS
Daniel Schrider
Detailed
Director
DK
Donald Kimble
Detailed
Director
FE
Frank Ellett
Detailed
Director
JS
Joel Shepherd
Detailed
Director
KW
Keith Wampler
Detailed
Director
LS
Linda Schreiner
Detailed
Vice Chair of the Board
MM
Mark Micklem
Detailed
Director
MO
Michelle O’Hara
Detailed
Director
MA
Mona Abutaleb Stephenson
Detailed
Director
NA
Nancy Agee
Detailed
Director
PC
Patrick Corbin
Detailed
Director
PM
Patrick McCann
Detailed
Director
PE
Paul Engola
Detailed
Director
RD
Rilla Delorier
Detailed
Director
RT
Ronald Tillett
Detailed
Chair of the Board
Research analysts who have asked questions during Atlantic Union Bankshares earnings calls.
Catherine Mealor
Keefe, Bruyette & Woods
5 questions for AUB
Also covers: ABCB, CADE, CFR +21 more
David Bishop
Hovde Group
5 questions for AUB
Also covers: BHLB, BKU, CBAN +12 more
Russell Gunther
Stephens Inc.
4 questions for AUB
Also covers: ABCB, AMTB, FBK +10 more
Brian Wilczynski
Morgan Stanley
3 questions for AUB
Also covers: UMBF
SM
Stephen Moss
Raymond James Financial, Inc.
2 questions for AUB
Also covers: BRKL, CAC, CBU +12 more
SS
Stephen Scouten
Piper Sandler & Co.
2 questions for AUB
Also covers: ABCB, AMTB, BKU +24 more
SM
Steve Moss
Raymond James
2 questions for AUB
Also covers: BRKL, BWFG, CAC +11 more
JL
Janet Lee
TD Cowen
1 question for AUB
Also covers: FHB, FHN, ONB +11 more
SS
Steven Scoutin
Piper Sandler
1 question for AUB
Also covers: PNFP
Recent press releases and 8-K filings for AUB.
Atlantic Union Bank Outlines Strategic Plan and Financial Targets for 2026
AUB
Guidance Update
New Projects/Investments
Revenue Acceleration/Inflection
- Atlantic Union Bank (AUB) has completed its transformation into a regional bank in the lower Mid-Atlantic, holding the number one regional bank position by depository market share in Virginia and Maryland. The company's strategy now emphasizes organic growth, which has seen loans and deposits grow 7% annually since 2017 on an organic basis, and a shift towards capital creation over further acquisitions.
- AUB has outlined a three-year strategic plan focused on demonstrating organic earnings power and achieving top-tier financial performance. This includes leveraging technology, fintech partnerships, and expanding specialized banking lines such as equipment finance, which has grown to be the 29th largest bank-owned equipment finance company in the U.S..
- For the full year 2026, AUB projects loan balances between $29-$30 billion and deposit balances between $31.5-$32.5 billion. The company anticipates a fully taxable-equivalent net interest income of $1.35-$1.375 billion and a net interest margin of 3.90%-4%, based on assumptions including two 25 basis point Fed rate cuts.
- AUB's medium-term financial targets for 2026 include a return on tangible common equity of 19%-20%, a return on assets of 1.4%-1.5%, and an efficiency ratio of 46%-48%, aiming for top-quartile performance within its peer group. The company also expects 12%-15% growth in tangible book value per share for 2026.
Dec 10, 2025, 4:45 PM
Atlantic Union Bank Outlines New Strategic Plan and 2026 Financial Outlook
AUB
Guidance Update
New Projects/Investments
Share Buyback
- Atlantic Union Bank (AUB) has introduced a new three-year strategic plan focused on demonstrating organic growth capability, shifting from capital investment and deployment to capital creation, and achieving top-tier financial performance. The company does not contemplate whole bank acquisitions during this strategic planning period.
- AUB is positioned as the number one regional bank by depository market share in Virginia and Maryland, operating in states with high GDP, population, median household income, and low unemployment rates.
- For the full year 2026, AUB projects loan balances between $29-$30 billion, deposit balances between $31.5-$32.5 billion, and fully taxable-equivalent net interest income between $1.35 billion and $1.375 billion.
- The company's medium-term financial targets include a return on tangible common equity of 19%-20%, a return on assets of 1.4%-1.5%, and an efficiency ratio of 46%-48%.
- Since 2017, AUB has returned nearly $1.1 billion, representing 55% of total operating earnings, to common shareholders through dividends and share repurchases.
Dec 10, 2025, 4:45 PM
Atlantic Union Bank Outlines Strategic Vision and 2026 Financial Outlook
AUB
M&A
Guidance Update
New Projects/Investments
- Atlantic Union Bank (AUB) has completed its transformation into a regional bank in the lower Mid-Atlantic through four targeted mergers and acquisitions over nine years and is now focused on demonstrating organic earnings power.
- The company has set medium-term financial targets for 2026, including a return on tangible common equity of 19%-20%, return on assets of 1.4%-1.5%, and an efficiency ratio of 46%-48%.
- For full-year 2026, AUB projects loan balances between $29-$30 billion and year-end deposit balances between $31.5-$32.5 billion, with fully taxable-equivalent net interest income expected to be $1.35-$1.375 billion.
- AUB is committed to a common share dividend payout ratio target of 35%-45% and may repurchase shares if its Common Equity Tier 1 capital ratio exceeds 10.5%, anticipated in Q2 2026.
- The bank has optimized its branch network, increasing average customer deposits per branch from $79 million in 2019 to $167 million across 178 branches, and plans further expansion in North Carolina.
Dec 10, 2025, 4:45 PM
AUB Updates 2025-2026 Financial Outlook and Strategic Initiatives
AUB
Guidance Update
New Projects/Investments
M&A
- AUB provided a 2025 financial outlook projecting Loans of $27.7 – 28.0 billion and Deposits of $30.8 – 31.0 billion by year-end, with Net Interest Income (FTE) between ~$1.160 - $1.165 billion and Net Interest Margin (FTE) at ~3.75% - 3.80%. The 2026 outlook anticipates Loans of $29.0-30.0 billion and Deposits of $31.5-32.5 billion, with Net Interest Income (FTE) of ~$1.350 - $1.375 billion and Net Interest Margin (FTE) of ~3.90% - 4.00%.
- The company targets medium-term (2026-2027) financial performance with a Return on Tangible Common Equity of 19%-20%, Return on Assets of 1.4%-1.5%, and an Efficiency Ratio (FTE) of 46%-48%.
- AUB plans significant expansion in North Carolina, including 10 new branches and 86 off-site ATMs over the next three years, alongside an expanded focus on SBA lending.
- Strategic growth initiatives include developing new Wholesale Banking markets in North & South Carolina with a dedicated Middle Market team and Capital Markets solutions, and evolving Specialty Banking groups like Asset Based Lending, Healthcare Finance, and Franchise Finance.
- Technology investments are underway for Mobile and Online Banking, CRM (Salesforce), and new Account Origination platforms, with future plans to integrate AI tools for efficiency and customer service.
Dec 10, 2025, 4:45 PM
Atlantic Union Bankshares Corp Updates Financial Outlook and Strategic Priorities
AUB
Guidance Update
New Projects/Investments
M&A
- Atlantic Union Bankshares Corporation is hosting an Investor Day on December 10, 2025, where it is presenting its updated 2025 financial outlook, 2026 financial outlook, and medium-term financial targets.
- The 2025 full-year outlook projects Net Interest Income (FTE) of ~$1.160 - $1.165 billion and Adjusted Operating Noninterest Expense of ~$675 - $680 million (excluding amortization of intangible assets).
- For 2026, the company anticipates Loans of $29.0 \u2013 $30.0 billion and Deposits of $31.5 \u2013 $32.5 billion by year-end.
- Medium-term financial targets (2026-2027) include a Return on Assets of ~1.40% - 1.50%, Return on Tangible Common Equity of ~19% - 20%, and an Efficiency Ratio (FTE) of ~46% - 48%.
- Key strategic priorities include fully integrating the Sandy Spring acquisition, building scaling capabilities, driving organic growth, and leveraging technology, including a thoughtful approach to AI.
Dec 10, 2025, 12:30 PM
Atlantic Union Bankshares Announces Q3 2025 Financial Performance and Strategic Updates
AUB
Earnings
Guidance Update
M&A
- Atlantic Union Bankshares Corporation reported $37.1 billion in assets, $27.4 billion in loans, and $30.7 billion in deposits as of September 30, 2025.
- For Q3 2025, the company achieved an adjusted operating return on tangible common equity of 20.1% and an adjusted operating efficiency ratio (FTE) of 48.8%.
- The company provided a Full Year 2025 outlook, including projected Net Interest Income (FTE) of approximately $1.160 - $1.165 billion and a Net Interest Margin (FTE) of approximately 3.75% - 3.80%.
- Atlantic Union Bankshares maintains a strong capital position, with capital ratios well above regulatory minimums as of September 30, 2025, and paid a common stock dividend of 34 cents per share in Q3 2025, representing a 6.3% increase from Q3 2024.
- The company is executing strategic initiatives, including the successful conversion of Sandy Spring core systems and plans for organic expansion in North Carolina with 10 new branches over the next 3 years.
Oct 31, 2025, 11:34 AM
Atlantic Union Bankshares Declares Quarterly Dividends
AUB
Dividends
- Atlantic Union Bankshares Corporation declared a quarterly common stock dividend of $0.37 per share, an 8.8% increase from the dividend in the third quarter of 2025 and the fourth quarter of 2024.
- This common stock dividend is payable on November 28, 2025, to common shareholders of record as of November 14, 2025.
- The company also declared a quarterly dividend of $0.43 per outstanding depositary share for its Series A preferred stock, payable on December 1, 2025, to holders of record as of November 14, 2025.
Oct 30, 2025, 8:05 PM
Atlantic Union Bankshares Declares Quarterly Dividends
AUB
Dividends
- Atlantic Union Bankshares Corporation has declared a quarterly common stock dividend of $0.37 per share, representing an 8.8% increase from the previous quarter.
- Based on the closing price on October 29, 2025, the common stock dividend yields approximately 4.5%.
- The common stock dividend is payable on November 28, 2025, to shareholders of record as of November 14, 2025.
- A quarterly dividend of $171.88 per share (or $0.43 per depositary share) was also declared for the 6.875% Perpetual Non-Cumulative Preferred Stock, Series A.
- The preferred stock dividend is payable on December 1, 2025, to holders of record as of November 14, 2025.
Oct 30, 2025, 8:01 PM
Atlantic Union Bankshares Reports Solid Q3 2025 Operating Results and Updates 2025 Outlook
AUB
Earnings
Guidance Update
M&A
- Atlantic Union Bankshares (AUB) reported Q3 2025 adjusted operating earnings of $0.84 per common share, with an adjusted operating return on tangible common equity of 20.1% and an adjusted operating return on assets of 1.3%.
- The Sandy Spring acquisition integration is progressing, with core systems conversion completed in October, and the company expects to achieve cost-savings targets and enhanced earnings power by 2026.
- For 2025, AUB projects year-end loan balances between $27.7 billion and $28 billion and deposit balances between $30.8 billion and $31 billion.
- The FTE net interest margin (NIM) for Q3 2025 was 3.83% and is projected to be between 3.85% and 3.9% in Q4 2025, with full-year 2025 FTE net interest income expected between $1.16 billion and $1.165 billion.
- The company anticipates having excess capital for share buybacks in the second half of 2026, targeting a CET1 ratio between 10% and 10.5%.
Oct 23, 2025, 1:00 PM
Atlantic Union Bank Completes Sandy Spring Bank Integration
AUB
M&A
- Atlantic Union Bank has successfully completed the integration of Sandy Spring Bank branches and operations, unifying the bank's presence across Virginia, Maryland, North Carolina, and Washington D.C..
- The integration involved a detailed merger integration playbook, including data conversion and systems integration, since the merger announcement last fall.
Oct 14, 2025, 4:51 PM
Quarterly earnings call transcripts for Atlantic Union Bankshares.
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