NYSE$AUB

Atlantic Union Bankshares Corporation · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Reported solid financial results in the first quarter of 2021.

Atlantic Union Bankshares Corporation reported net income available to common shareholders of $53.2 million, with basic and diluted earnings per common share of $0.67 for the first quarter ended March 31, 2021. The company delivered solid financial results amidst economic headwinds from COVID-19, while positioning itself for long-term success, maintaining a strong financial position with ample liquidity and a well-fortified capital base.

  • Net income available to common shareholders was $53.2 million for Q1 2021.
  • Basic and diluted earnings per common share were $0.67 for Q1 2021.
  • Net interest income was $134.9 million for Q1 2021, a decrease from $145.6 million in the previous quarter.
  • The company processed approximately $165.0 million of loan forgiveness on approximately 2,500 PPP loans during the first quarter of 2021, and funded $511.7 million in new PPP Round Two loans.

Headline financials

Total Revenue

$166M

Previous: $164M+1.2%
EPS (adj)

$0.67

Previous: $0.09+644.4%
Efficiency Ratio

67.5%

Previous: 58.4%+15.6%
Net Interest Margin

3.1%

Previous: 3.5%-11.5%
Free Cash Flow

$56.2M

Previous: $7.09M+692.6%
Net Income

$56.2M

Previous: $7.09M+692.6%
Operating Income

$105M

Previous: $31.3M+235.4%
Gross Profit

$152M

Previous: $104M+46.8%
Cash & Equivalents

$401M

Previous: $505M-20.6%
Total Assets

$19.9B

Previous: $17.8B+11.2%
Stock-Based Comp

$2.2M

Previous: $2.29M-4.0%

Revenue & EPS history

Atlantic Union · Revenue · Quarterly

$166M

Q1 2021+1.2%vs Q1 2020
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

Atlantic Union · $15.9M total across 5 segments · Q1 2020

  • Fiduciary and Asset Management Fees
    $5.98M+18.4%
  • Loan-Related Interest Rate Swap Fees
    $3.95M+170.4%
  • Bank Owned Life Insurance Income
    $2.05M-0.3%
  • Mortgage Banking Income
    $2.02M+39.1%
  • Gain (loss) on sale of securities
    $1.94M+1182.1%

Forward guidance

Atlantic Union remains optimistic that the challenges of COVID-19 will ease as the year progresses and that Atlantic Union will emerge as a stronger company that is well positioned to generate sustainable, profitable growth and build long term value for our shareholders.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

-0.7%

Avg return

Earnings day

-0.6%

Avg return

5 days after

+1.3%

Avg return

30 days after

41%

27 / 66 earnings

Positive

+11.5%

Q4 2016

Best reaction

-15.7%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.5%-3.4%-2.8%
Q4 2025-0.7%-1.7%+1.7%
Q3 2025-3.2%-1.8%-3.4%
Q2 2025-0.2%-1.4%+3.4%
Q1 2025+0.5%+5.7%+9.3%
Q4 2024-3.4%-0.7%-6.9%
Q3 2024-6.1%-5.2%+6.3%
Q2 2024+3.8%+3.2%-2.0%
Q1 2024-1.4%-3.8%-3.8%
Q4 2023-1.6%-0.9%-8.4%
Q3 2023-4.2%-5.4%+10.4%
Q2 2023+1.5%+0.8%-4.8%
Q1 2023-15.7%-11.8%-21.3%
Q4 2022+3.2%+4.5%+3.0%
Q3 2022-2.3%+0.8%+3.4%
Q2 2022-1.7%-3.4%+0.7%
Q1 2022-5.0%-8.4%-10.3%
Q4 2021+2.4%+1.8%-1.5%
Q3 2021-0.1%-2.8%-3.3%
Q2 2021-2.2%-0.8%+4.3%
Q1 2021+2.3%+1.9%+9.8%
Q4 2020-7.7%-9.4%+2.9%
Q3 2020+5.5%-0.4%+18.2%
Q2 2020+3.6%+1.7%+2.3%
Q1 2020+6.8%-5.5%+2.2%
Q4 2019-3.6%-4.3%-4.1%
Q3 2019+2.4%+1.9%+3.0%
Q2 2019+4.8%+5.9%+5.6%
Q1 2019-0.8%+3.0%-2.8%
Q4 2018-1.6%-0.6%+10.1%
Q3 2018-2.4%-8.1%-4.1%
Q2 2018+3.0%+6.5%+4.6%
Q1 2018+4.6%+4.5%+11.9%
Q4 2017-1.8%-1.2%-3.6%
Q3 2017+0.6%-1.5%-2.2%
Q2 2017-6.1%-7.0%-7.1%
Q1 2017+0.4%+3.7%-7.9%
Q4 2016+11.5%+10.6%+10.3%
Q3 2016+2.8%+3.9%+24.9%
Q2 2016+2.8%+3.6%+5.5%
Q1 2016+3.4%
Q4 2015-8.2%
Q3 2015-0.8%
Q2 2015+2.4%
Q1 2015-4.2%
Q4 2014-12.2%
Q3 2014-7.6%
Q2 2014-1.3%
Q1 2014+2.0%
Q4 2010-0.2%
Q4 2013-2.6%
Q3 2013-0.8%
Q2 2013+0.9%
Q1 2013-0.9%
Q4 2012+1.7%
Q3 2012+2.5%
Q2 2012-1.3%
Q4 2011-1.3%
Q1 2011-0.3%
Q1 2012+3.6%
Q4 2009-1.4%
Q3 2010-4.4%
Q3 2011-4.4%
Q2 2010-8.8%
Q2 2011-8.8%
Q1 2010+11.1%

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