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.
David Bishop
Hovde Group
7 questions for AUB
Also covers: BHLB, BKU, CBAN +12 more
Catherine Mealor
Keefe, Bruyette & Woods
5 questions for AUB
Also covers: ABCB, CADE, CFR +21 more
Russell Gunther
Stephens Inc.
4 questions for AUB
Also covers: ABCB, AMTB, FBK +10 more
SS
Stephen Scouten
Piper Sandler & Co.
4 questions for AUB
Also covers: ABCB, AMTB, BKU +24 more
SM
Steve Moss
Raymond James
4 questions for AUB
Also covers: BRKL, BWFG, CAC +12 more
Brian Wilczynski
Morgan Stanley
3 questions for AUB
Also covers: SFNC, UMBF
JL
Janet Lee
TD Cowen
3 questions for AUB
Also covers: COLB, EBC, EWBC +16 more
BW
Brian Wozinski
Morgan Stanley
2 questions for AUB
HW
Hannah Wynn
KBW
2 questions for AUB
SM
Stephen Moss
Raymond James Financial, Inc.
2 questions for AUB
Also covers: BRKL, BWFG, CAC +13 more
SS
Steven Scoutin
Piper Sandler
1 question for AUB
Also covers: ABCB, PNFP
Recent press releases and 8-K filings for AUB.
Atlantic Union Bankshares Corp Reports Q4 and Full Year 2025 Results and Provides 2026 Financial Outlook
AUB
Earnings
Guidance Update
M&A
- Atlantic Union Bankshares Corp (AUB) reported an adjusted operating return on tangible common equity of 22.1% for Q4 2025 and 20.4% for the full year 2025. The full year 2025 adjusted operating earnings per share available to common shareholders was $3.44.
- As of December 31, 2025, AUB's total assets were $37.6 billion, loans were $27.8 billion, and deposits were $30.5 billion. Loan growth was 6.3% annualized in Q4 2025.
- For the full year 2026, AUB projects end-of-period loans between $29.0 billion and $30.0 billion and deposits between $31.5 billion and $32.5 billion.
- The company's 2026 financial outlook also includes net interest income (FTE) between $1.350 billion and $1.375 billion, a net interest margin (FTE) of 3.90% - 4.00%, and tangible book value growth per share of approximately 12-15%.
- AUB successfully converted the core systems of Sandy Spring over the weekend of October 11, 2025, and plans organic expansion in North Carolina in 2026.
6 days ago
Atlantic Union Bankshares Corp Declares Quarterly Common and Preferred Stock Dividends
AUB
Dividends
- Atlantic Union Bankshares Corporation declared a quarterly common stock dividend of $0.37 per share.
- This common stock dividend is the same as the fourth quarter of 2025 and represents an 8.8% increase from the first quarter of 2025.
- Based on the closing price of $38.90 on January 28, 2026, the common stock dividend yield is approximately 3.8%.
- The common stock dividend is payable on February 27, 2026, to common shareholders of record as of February 13, 2026.
- A quarterly dividend of $171.88 per share (equivalent to $0.43 per outstanding depositary share) was also declared for the 6.875% Perpetual Non-Cumulative Preferred Stock, Series A, payable on March 2, 2026, to holders of record as of February 13, 2026.
6 days ago
Atlantic Union Bankshares Declares Quarterly Common and Preferred Stock Dividends
AUB
Dividends
- Atlantic Union Bankshares Corporation declared a quarterly common stock dividend of $0.37 per share, which is consistent with the fourth quarter of 2025 and an 8.8% increase from the first quarter of 2025.
- Based on the closing price on January 28, 2026, the common stock dividend offers an approximate 3.8% yield and is payable on February 27, 2026, to shareholders of record as of February 13, 2026.
- The company also declared a quarterly dividend of $171.88 per share (equivalent to $0.43 per depositary share) for its 6.875% Perpetual Non-Cumulative Preferred Stock, Series A, payable on March 2, 2026, to holders of record as of February 13, 2026.
6 days ago
AUB Reports Strong Q4 2025 Adjusted Operating Results and Reiterates 2026 Outlook
AUB
Earnings
Guidance Update
M&A
- Atlantic Union Bankshares reported Q4 2025 adjusted operating earnings of $138.4 million or $0.97 per common share, contributing to full year 2025 adjusted operating earnings of $444.8 million or $3.44 per common share.
- In Q4 2025, the company achieved 6.3% annualized loan growth, ending the year at $27.8 billion, and its FTE net interest margin increased 13 basis points to 3.96%.
- Management reiterated its full year 2026 financial outlook, forecasting year-end loan balances between $29 billion and $30 billion, deposit balances between $31.5 billion and $32.5 billion, and fully taxable equivalent net interest income between $1.35 billion and $1.375 billion.
- The Sandy Spring core systems conversion was completed in October, and merger-related expenses are anticipated to decline significantly starting in Q1 2026.
Jan 22, 2026, 2:00 PM
AUB Reports Strong Q4 and Full Year 2025 Financial Results and Provides 2026 Outlook
AUB
Earnings
Guidance Update
M&A
- AUB reported Q4 2025 net income available to common shareholders of $108,999 thousand, an increase of 22.2% from Q3 2025.
- The company achieved a Q4 2025 adjusted operating return on tangible common equity of 22.1% and an adjusted operating return on assets of 1.50%.
- Loan growth was approximately 6.3% annualized in Q4 2025, with a loan/deposit ratio of 91.2% at December 31, 2025.
- AUB provided a 2026 financial outlook, projecting Net Interest Income (FTE) between $1.350 billion and $1.375 billion and a Net Interest Margin (FTE) of 3.90% to 4.00%.
- The company is focused on fully integrating the Sandy Spring franchise, having successfully converted core systems in October 2025, and plans organic expansion in North Carolina in 2026.
Jan 22, 2026, 2:00 PM
Atlantic Union Bankshares Reports Strong Q4 2025 Adjusted Operating Results and Provides 2026 Outlook
AUB
Earnings
Guidance Update
Share Buyback
- Atlantic Union Bankshares (AUB) reported strong fourth quarter 2025 adjusted operating financial results, with adjusted operating earnings available to common shareholders of $138.4 million, or $0.97 per common share. The company achieved an adjusted operating return on tangible common equity of 22.1% and an adjusted operating efficiency ratio of 47.8% for the quarter.
- Quarterly loan growth was approximately 6.3% annualized, ending Q4 2025 at $27.8 billion. Total deposits decreased by 2.5% annualized to $30.5 billion due to typical year-end fluctuations.
- The company's FTE net interest margin increased by 13 basis points to 3.96% in Q4 2025, primarily driven by a 14 basis point decrease in cost of funds to 2.03%.
- For the full year 2026, AUB projects year-end loan balances to range between $29 billion and $30 billion, and year-end deposit balances between $31.5 billion and $32.5 billion. The full-year fully taxable equivalent net interest margin is projected to be between 3.90% and 4%.
- Management expects to generate annual growth in tangible book value per share of 12%-15% and plans to consider share repurchases in the second half of 2026, utilizing excess capital beyond a 10.5% CET1 threshold.
Jan 22, 2026, 2:00 PM
AUB Reports Strong Q4 2025 Results and Reiterates 2026 Outlook
AUB
Earnings
Guidance Update
Share Buyback
- Atlantic Union Bankshares reported Q4 2025 adjusted operating earnings of $0.97 per common share and $138.4 million available to common shareholders, with full-year adjusted operating earnings of $3.44 per common share and $444.8 million.
- The company achieved 6.3% annualized loan growth in Q4 2025, reaching $27.8 billion at year-end, and saw its FTE net interest margin increase by 13 basis points to 3.96%.
- Management reiterated its full-year 2026 outlook, projecting year-end loan balances between $29 billion and $30 billion, deposit balances between $31.5 billion and $32.5 billion, and full-year FTE net interest income between $1.35 billion and $1.375 billion.
- The Sandy Spring acquisition's core systems conversion was completed in October, with only modest residual merger-related expenses anticipated in Q1 2026, positioning the company for clearer unadjusted results.
- Atlantic Union Bankshares plans to consider share repurchases in the second half of 2026, utilizing excess capital beyond a 10.5% CET1 threshold, supported by an expected 12%-15% annual growth in tangible book value per share.
Jan 22, 2026, 2:00 PM
Atlantic Union Bankshares Reports Q4 2025 Financial Results and 2026 Outlook
AUB
Earnings
Guidance Update
M&A
- Atlantic Union Bankshares (AUB) reported adjusted diluted operating earnings per common share of $0.97 for the fourth quarter of 2025, with net income available to common shareholders at $109.0 million.
- The company achieved strong profitability metrics in Q4 2025, including an adjusted operating return on assets of 1.50%, an adjusted operating return on tangible common equity of 22.12%, and an adjusted operating efficiency ratio (FTE) of 47.77%.
- Net interest income for Q4 2025 was $330.2 million, and the net interest margin (FTE) increased to 3.96%, primarily due to lower deposit costs.
- Asset quality showed improvement, with nonperforming assets as a percentage of total loans held for investment decreasing to 0.42% and net charge-offs at 0.01% (annualized) for Q4 2025.
- For the full year 2026, the company projects loans between $29.0 – 30.0 billion, deposits between $31.5 – 32.5 billion, and a net interest margin (FTE) of ~3.90% - 4.00%.
Jan 22, 2026, 12:01 PM
Atlantic Union Bankshares Reports Fourth Quarter and Full Year 2025 Financial Results
AUB
Earnings
M&A
Dividends
- Atlantic Union Bankshares reported net income available to common shareholders of $109.0 million and diluted earnings per common share of $0.77 for the fourth quarter of 2025, with full-year 2025 figures at $261.8 million and $2.03 respectively. Adjusted diluted operating earnings per common share were $0.97 for Q4 2025 and $3.44 for FY 2025.
- Net interest income for Q4 2025 was $330.2 million, an increase of $11.0 million from the prior quarter, primarily due to decreased interest expense from lower deposit costs and increased accretion income from the Sandy Spring Bancorp, Inc. acquisition.
- Total assets reached $37.6 billion at December 31, 2025, an increase of 52.9% from December 31, 2024, largely driven by the Sandy Spring acquisition. Total deposits were $30.5 billion at December 31, 2025, up 49.4% from December 31, 2024, also primarily due to the acquisition.
- Asset quality improved in Q4 2025, with nonperforming assets as a percentage of total loans held for investment at 0.42%, a decrease of 7 basis points from the prior quarter, and net charge-offs at 0.01% of total average LHFI (annualized).
- The company maintained strong capital ratios, including a Common Equity Tier 1 capital ratio of 10.10% and a Total capital ratio of 13.90% at December 31, 2025. A cash dividend of $0.37 per common share was declared for Q4 2025, an 8.8% increase from the prior quarter.
Jan 22, 2026, 11:30 AM
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
Quarterly earnings call transcripts for Atlantic Union Bankshares.
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