NYSE : AUB
Atlantic Union Bankshares Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 39.27 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 5.52B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 1.75B | 1.62B | 1.09B | 846.92M | 555.61M | 508.77M |
| Interest Income on Investments | 209.66M | 205.55M | 134.53M | 107.53M | 104.82M | 83.59M |
| Total Interest Income | 1.96B | 1.82B | 1.23B | 954.45M | 660.43M | 592.36M |
| Interest Paid on Deposits | 599.66M | 615.54M | 483.89M | 296.69M | 56.20M | 27.12M |
| Interest Paid on Borrowings | 65.80M | 51.04M | 45.10M | 46.75M | 19.97M | 13.98M |
| Total Interest Expense | 665.46M | 666.57M | 529.00M | 343.44M | 76.17M | 41.10M |
| Net Interest Income | 1.30B | 1.15B | 698.54M | 611.01M | 584.26M | 551.26M |
| Trust Income | 81.94M | 62.86M | 25.53M | 17.70M | 22.41M | 27.56M |
| Mortgage Banking Activities | 8.29M | 8.69M | 4.20M | 2.74M | 7.08M | 21.02M |
| Gain (Loss) on Sale of Assets | 9.08M | |||||
| Gain (Loss) on Sale of Investments | -81.00K | -81.00K | -6.49M | -40.99M | -3.00K | 5.22M |
| Other Non-Interest Income | 117.67M | 101.48M | 58.36M | 78.19M | 49.89M | 44.88M |
| Total Non-Interest Income | 256.82M | 219.44M | 118.88M | 90.88M | 118.52M | 125.81M |
| Revenues Before Loan Losses | 1.55B | 1.37B | 817.42M | 701.89M | 702.78M | 677.07M |
| Provision for Loan Losses | 22.41M | 141.79M | 50.09M | 31.62M | 19.03M | -60.89M |
| Revenue | 1.53B | 1.23B | 767.33M | 670.27M | 683.76M | 737.95M |
| Salaries and Employee Benefits | 424.44M | 378.42M | 257.37M | 236.68M | 218.32M | 204.27M |
| Occupancy Expenses | 1.02M | 1.02M | 919.00K | 25.15M | 26.01M | 28.72M |
| Federal Deposit Insurance | 27.63M | 30.05M | 19.41M | 16.50M | 10.24M | 9.48M |
| Amortization of Goodwill & Intangibles | 63.22M | 59.67M | 19.31M | 8.78M | 10.81M | 13.90M |
| Selling, General & Administrative | 217.44M | 203.01M | 124.14M | 72.66M | 84.78M | 84.52M |
| Other Non-Interest Expense | 75.11M | 66.12M | 45.53M | 43.34M | 53.63M | 63.60M |
| Total Non-Interest Expense | 808.86M | 738.29M | 466.68M | 403.11M | 403.80M | 404.50M |
| EBT Excluding Unusual Items | 721.63M | 494.27M | 300.65M | 267.17M | 279.95M | 333.45M |
| Legal Settlements | -8.30M | |||||
| Other Unusual Items | -840.00K | -3.36M | -14.70M | |||
| Pretax Income | 673.97M | 336.99M | 259.79M | 239.90M | 279.95M | 318.76M |
| Income Tax Expense | 142.19M | 63.28M | 50.66M | 38.08M | 45.44M | 54.84M |
| Earnings From Continuing Operations | 531.78M | 273.71M | 209.13M | 201.82M | 234.51M | 263.92M |
| Net Income | 531.78M | 273.71M | 209.13M | 201.82M | 234.51M | 263.92M |
| Preferred Dividends & Other Adjustments | 11.87M | 11.87M | 11.87M | 11.87M | 11.87M | 11.87M |
| Net Income to Common | 519.91M | 261.85M | 197.26M | 189.95M | 222.64M | 252.05M |
| Basic Shares Outstanding | 141.80M | 128.78M | 86.15M | 74.96M | 74.95M | 77.40M |
| Diluted Shares Outstanding | 142.12M | 129.16M | 87.91M | 74.96M | 74.95M | 77.42M |
| EPS (Basic) | 3.67 | 2.03 | 2.29 | 2.53 | 2.97 | 3.26 |
| EPS (Diluted) | 3.66 | 2.03 | 2.24 | 2.53 | 2.97 | 3.26 |
| Dividend Per Share | 1.48 | 1.39 | 1.30 | 1.22 | 1.16 | 1.09 |
| Effective Tax Rate | 21.10% | 18.78% | 19.50% | 15.87% | 16.23% | 17.21% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 700.76M | 966.46M | 354.07M | 378.13M | 319.95M | 802.50M |
| Investment Securities | 4.59B | 1.61B | 1.48B | 1.49B | 1.81B | 1.86B |
| Trading Asset Securities | 112.69M | 97.44M | 93.03M | 80.31M | 73.70M | |
| Mortgage-Backed Securities | 3.47B | 1.76B | 1.58B | 1.78B | 2.25B | |
| Total Investments | 4.59B | 5.19B | 3.34B | 3.16B | 3.67B | 4.18B |
| Gross Loans | 29.30B | 27.80B | 18.47B | 15.64B | 14.45B | 13.20B |
| Allowance for Loan Losses | -301.43M | -295.11M | -178.64M | -132.18M | -110.77M | -99.79M |
| Net Loans | 29.00B | 27.50B | 18.29B | 15.50B | 14.34B | 13.10B |
| Property, Plant & Equipment | 166.52M | 274.02M | 191.24M | 167.42M | 159.56M | 181.97M |
| Goodwill | 1.75B | 1.73B | 1.21B | 925.21M | 925.21M | 935.56M |
| Other Intangible Assets | 270.02M | 315.54M | 84.56M | 19.18M | 26.76M | 43.31M |
| Loans Held for Sale | 16.82M | 18.49M | 9.42M | 6.71M | 3.94M | 20.86M |
| Accrued Interest Receivable | 24.90M | 18.50M | 91.37M | 81.95M | 65.02M | |
| Other Real Estate Owned & Foreclosed | 1.96M | 1.83M | 404.00K | 29.00K | 76.00K | 1.70M |
| Other Long-Term Assets | 1.85B | 1.51B | 1.06B | 865.18M | 882.28M | 724.69M |
| Total Assets | 38.35B | 37.59B | 24.59B | 21.17B | 20.46B | 20.06B |
| Interest Bearing Deposits | 22.33B | 21.89B | 14.92B | 12.18B | 10.64B | 10.95B |
| Institutional Deposits | 1.87B | 1.74B | 1.20B | 674.94M | 405.06M | 452.19M |
| Non-Interest Bearing Deposits | 6.76B | 6.84B | 4.28B | 3.96B | 4.88B | 5.21B |
| Total Deposits | 30.97B | 30.47B | 20.40B | 16.82B | 15.93B | 16.61B |
| Short-Term Borrowings | 764.65M | 892.12M | 315.82M | 1.13B | 1.55B | 172.31M |
| Current Portion of Leases | 27.12M | |||||
| Long-Term Debt | 857.75M | 600.20M | 247.80M | 247.50M | 247.20M | 246.90M |
| Long-Term Leases | 102.69M | 85.41M | 85.09M | 55.98M | 60.22M | |
| Trust Preferred Securities | 171.66M | 170.50M | 143.53M | 142.66M | 141.82M | |
| Other Long-Term Liabilities | 713.13M | 313.93M | 225.29M | 187.01M | 156.04M | 122.41M |
| Total Liabilities | 33.30B | 32.58B | 21.44B | 18.61B | 18.09B | 17.35B |
| Preferred Stock, Non-Redeemable | 173.00K | 173.00K | 173.00K | 173.00K | 173.00K | 173.00K |
| Total Preferred Equity | 173.00K | 173.00K | 173.00K | 173.00K | 173.00K | 173.00K |
| Common Stock | 186.79M | 188.56M | 118.52M | 99.15M | 98.87M | 100.10M |
| Additional Paid-In Capital | 3.83B | 3.89B | 2.28B | 1.78B | 1.77B | 1.81B |
| Retained Earnings | 1.44B | 1.18B | 1.10B | 1.02B | 919.54M | 783.79M |
| Comprehensive Income & Other | -402.42M | -256.09M | -359.69M | -343.35M | -418.29M | 18.64M |
| Total Common Equity | 5.05B | 5.01B | 3.14B | 2.56B | 2.37B | 2.71B |
| Shareholders' Equity | 5.05B | 5.01B | 3.14B | 2.56B | 2.37B | 2.71B |
| Total Liabilities & Equity | 38.35B | 37.59B | 24.59B | 21.17B | 20.46B | 20.06B |
| Total Debt | 1.62B | 1.79B | 819.54M | 1.60B | 2.00B | 621.25M |
| Net Cash (Debt) | -921.64M | -714.64M | -368.02M | -1.13B | -1.60B | 254.95M |
| Net Cash Per Share | -6.48 | -5.53 | -4.19 | -15.12 | -21.35 | 3.29 |
| Filing Date Shares Outstanding | 140.45M | 142.54M | 89.83M | 75.08M | 74.72M | 75.58M |
| Total Common Shares Outstanding | 140.45M | 141.78M | 89.77M | 75.02M | 74.71M | 75.66M |
| Book Value Per Share | 35.96 | 35.31 | 35.01 | 34.07 | 31.76 | 35.82 |
| Tangible Book Value | 3.03B | 2.96B | 1.84B | 1.61B | 1.42B | 1.73B |
| Tangible Book Value Per Share | 21.54 | 20.86 | 20.54 | 21.48 | 19.01 | 22.88 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 273.71M | 209.13M | 201.82M | 234.51M | 263.92M | |
| Depreciation & Amortization | 103.08M | 54.27M | 49.28M | 55.80M | 64.03M | |
| Gain (Loss) on Sale of Assets | -232.00K | -1.35M | -30.36M | -12.83M | 14.70M | |
| Gain (Loss) on Sale of Investments | -14.68M | 6.49M | 40.99M | 3.00K | -5.22M | |
| Total Asset Writedown | 13.35M | 216.00K | 1.93M | 4.90M | ||
| Provision for Credit Losses | 141.79M | 50.09M | 31.62M | 19.03M | -60.89M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 1.87B | -148.00K | -2.79M | 15.77M | 73.08M | |
| Change in Other Net Operating Assets | -22.18M | 11.51M | -1.32M | 96.02M | -52.38M | |
| Other Operating Activities | -116.90M | -21.75M | -13.12M | 6.48M | 30.47M | |
| Operating Cash Flow | 2.24B | 308.46M | 278.05M | 419.67M | 337.79M | |
| Capital Expenditures | -12.41M | -7.39M | -5.10M | -2.85M | -9.40M | |
| Cash Acquisitions | 270.21M | 54.99M | ||||
| Investment in Securities | -479.64M | 288.00M | 537.32M | -47.16M | -1.09B | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -584.00M | -644.29M | -1.19B | -1.24B | 837.57M | |
| Other Investing Activities | 8.43M | 13.01M | 56.81M | 17.45M | -83.84M | |
| Investing Cash Flow | -797.42M | -295.69M | -603.28M | -1.28B | -345.44M | |
| Short-Term Debt Issued | 336.99M | 1.20B | ||||
| Long-Term Debt Issued | 246.87M | |||||
| Total Debt Issued | 336.99M | 1.20B | 246.87M | |||
| Short-Term Debt Repaid | -902.89M | -398.00M | -233.02M | |||
| Long-Term Debt Repaid | -200.00M | -364.69M | ||||
| Total Debt Repaid | -200.00M | -902.89M | -398.00M | -597.71M | ||
| Net Debt Issued (Repaid) | 136.99M | -902.89M | -398.00M | 1.20B | -350.84M | |
| Issuance of Common Stock | 384.96M | 228.00K | 778.00K | 3.88M | 3.14M | |
| Repurchase of Common Stock | -6.95M | -3.96M | -2.49M | -51.46M | -127.58M | |
| Common Dividends Paid | -180.26M | -112.01M | -91.42M | -86.90M | -84.31M | |
| Preferred Dividends Paid | -11.87M | -11.87M | -11.87M | -11.87M | -11.87M | |
| Total Dividends Paid | -192.13M | -123.88M | -103.28M | -98.77M | -96.17M | |
| Net Increase (Decrease) in Deposit Accounts | -1.15B | 993.68M | 886.42M | -679.43M | 888.32M | |
| Financing Cash Flow | -827.58M | -36.83M | 383.42M | 375.18M | 316.86M | |
| Net Cash Flow | 612.39M | -24.06M | 58.18M | -482.55M | 309.21M | |
| Free Cash Flow | 2.22B | 301.06M | 272.94M | 416.82M | 328.39M | |
| Free Cash Flow Margin | 180.52% | 39.23% | 40.72% | 60.96% | 44.50% | |
| Free Cash Flow Per Share | 17.23 | 3.42 | 3.64 | 5.56 | 4.24 | |
| Cash Interest Paid | 658.20M | 516.49M | 326.98M | 70.66M | 40.67M | |
| Cash Income Tax Paid | 4.22M | 3.75M | 19.50M | 1.62M | 1.34M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 5.62B | 5.03B | 3.40B | 2.74B | 2.63B | 2.82B |
| Last Close Price | 39.27 | 34.33 | 35.29 | 32.84 | 30.36 | 31.18 |
| PE Ratio | 10.93 | 19.21 | 17.24 | 14.43 | 11.79 | 11.19 |
| PS Ratio | 3.67 | 4.08 | 4.43 | 4.09 | 3.84 | 3.82 |
| PB Ratio | 1.09 | 1.00 | 1.08 | 1.07 | 1.11 | 1.04 |
| P/FCF Ratio | 10.74 | 2.26 | 11.30 | 10.04 | 6.30 | 8.59 |
| P/OCF Ratio | 10.24 | 2.25 | 11.03 | 9.86 | 6.26 | 8.35 |
| Debt / Equity Ratio | 0.32 | 0.36 | 0.26 | 0.63 | 0.84 | 0.23 |
| Debt / FCF Ratio | 0.81 | 2.72 | 5.88 | 4.80 | 1.89 | |
| Net Debt / Equity Ratio | 0.18 | 0.14 | 0.12 | 0.44 | 0.68 | -0.09 |
| Net Debt / FCF Ratio | 0.32 | 1.22 | 4.15 | 3.84 | -0.78 | |
| Return on Equity (ROE) | 10.67% | 6.72% | 7.34% | 8.19% | 9.23% | 9.74% |
| Return on Assets (ROA) | 1.41% | 0.88% | 0.91% | 0.97% | 1.16% | 1.33% |
| Earnings Yield | 9.15% | 5.44% | 6.15% | 7.36% | 8.93% | 9.35% |
| FCF Yield | 9.31% | 44.23% | 8.85% | 9.96% | 15.88% | 11.64% |
| Dividend Yield | 4.02% | 3.92% | 3.43% | 3.34% | 3.30% | 2.92% |
| Payout Ratio | 43.68% | 70.19% | 59.23% | 51.18% | 42.12% | 36.44% |
| Buyback Yield / Dilution | -20.64% | -46.93% | -17.27% | -0.01% | 3.18% | 1.85% |
| Total Shareholder Return | -16.62% | -43.01% | -13.84% | 3.33% | 6.48% | 4.77% |