Atlantic Union Bankshares (AUB) Company Report

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

8-K

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

8-K

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

Press Release

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

Transcript

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

Press Release

Regional Banks Demonstrate Resilience and Growth Potential

AUB

Earnings

Dividends

Regional banks are exhibiting resilience and growth potential in 2025, with financial stocks showing strong momentum and 75% of S&P financials above their 50-day moving average.
The decline in the 30-year fixed mortgage rate to 6.56% has increased refinancing opportunities for homeowners, boosting bank activity.
M&T Bank reported Q2 revenues of $2.40 billion, surpassing expectations, leading to a 2.3% rise in its stock price.
Banc of California has significantly higher institutional ownership at 86.9% compared to Pinnacle Bank's 8.4%, indicating stronger confidence from large investors.
Independent Bank offers a competitive 3.16% dividend yield and has consistently grown its dividend at an average annual rate of 5.11% over the past five years.

Sep 1, 2025, 9:29 AM

CNBC

Atlantic Union Bankshares Reports Q2 2025 Results and Provides Full Year 2025 Outlook

AUB

Earnings

M&A

Guidance Update

Atlantic Union Bankshares reported $37.3 billion in assets, $27.3 billion in loans, and $31.0 billion in deposits as of June 30, 2025. For Q2 2025, the company achieved an adjusted operating return on tangible common equity of 23.8% and an adjusted operating return on assets of 1.46%.
The acquisition of Sandy Spring was completed on April 1, 2025, with the core systems conversion scheduled for October 2025. The company remains on track to achieve a 27% cost-savings target of Sandy Spring's non-interest expense.
For the full year 2025, the company projects end-of-period loans to be between $28.0 \u2013 28.5 billion and deposits between $31.0 \u2013 31.5 billion. Net Interest Income (FTE) is estimated to be between ~$1.15 - $1.20 billion.
Atlantic Union Bankshares maintains a strong capital position, with its Common Equity Tier 1 Ratio at 9.8% as of June 30, 2025, which is well above regulatory minimums.
The company increased its common stock dividend by 6.3% to 34 cents per share in Q2 2025. Additionally, it plans to open 10 new branches in North Carolina over the next three years as part of its expansion strategy.

Aug 1, 2025, 12:00 AM

8-K

Atlantic Union Bankshares Reports Strong Q2 2025 Operating Results and Updates Full-Year Outlook

AUB

Earnings

Guidance Update

M&A

Atlantic Union Bankshares reported Q2 2025 adjusted operating earnings available to common shareholders of $135.1 million, or $0.95 per common share, with an adjusted operating efficiency ratio of 48.3%. The reported FTE net interest margin expanded by 38 basis points to 3.83%.
The acquisition of Sandy Spring Bank closed on April 1, with integration progressing smoothly and core systems conversion on track for Q4. The company completed the sale of approximately $2 billion of commercial real estate loans acquired from Sandy Spring Bank on June 26, exceeding initial pricing estimates.
For the full year 2025, the company projects loan balances between $28 billion and $28.5 billion and year-end deposit balances between $31 billion and $31.5 billion. The full-year net charge-off ratio is projected to be between 15 and 20 basis points.
The company plans to accelerate investments in North Carolina, with 10 new branches to be opened starting in 2026 over a three-year period, focusing on the Research Triangle and Wilmington. Management is targeting a mid-40s efficiency ratio, 1.50% return on assets, and 20%+ return on tangible common equity for 2026, inclusive of these investments.

Jul 24, 2025, 11:53 PM

Atlantic Union Bankshares Corporation Declares Quarterly Dividends

AUB

Dividends

The Board of Directors of Atlantic Union Bankshares Corporation declared a quarterly common stock dividend of $0.34 per share, which is the same as the second quarter of 2025 and represents a $0.02, or approximately 6%, increase from the dividend in the third quarter of 2024.
Based on the common stock closing price of $33.68 on July 23, 2025, the common stock dividend yields approximately 4.0%. This dividend is payable on August 18, 2025, to common shareholders of record as of August 4, 2025.
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 September 2, 2025, to holders of record as of August 18, 2025.

Jul 24, 2025, 8:01 PM

Press Release

Atlantic Union Bankshares Corp. Reports Q2 2025 Results

AUB

Earnings

Guidance Update

M&A

Atlantic Union Bankshares Corp. reported a GAAP net income available to common shareholders of $16.8 million or $0.12 per diluted share for Q2 2025, a decrease from Q1 2025, primarily due to an increase in provision for credit losses and merger-related costs related to the Sandy Spring acquisition.
Conversely, adjusted operating earnings available to common shareholders (non-GAAP) significantly increased to $135.1 million or $0.95 per diluted share in Q2 2025, up from $51.6 million or $0.57 per diluted share in Q1 2025.
The net interest margin (FTE) improved to 3.83% in Q2 2025 from 3.45% in Q1 2025, driven by a 47 basis point increase in loan yields to 6.48% and 30 basis points from net purchase accounting accretion.
Total deposits increased by $10.5 billion to $31.0 billion and loans held for investment grew by $8.9 billion to $27.3 billion in Q2 2025, largely due to the Sandy Spring acquisition.
For the full year 2025, the company forecasts loans to be $28.0 – 28.5 billion, deposits $31.0-31.5 billion, and Net Interest Income (FTE) between ~$1.15 - $1.20 billion, incorporating nine months of the Sandy Spring acquisition impact.

Jul 24, 2025, 1:00 PM

Presentation

Earnings Transcripts

Quarterly earnings call transcripts for Atlantic Union Bankshares.

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