NYSE$AUB

Atlantic Union Bankshares Corporation · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

Atlantic Union Bankshares reported Q3 2025, revenue of $280M, net income of $85M, diluted EPS of $1.05.

For Q3 2025, Atlantic Union Bankshares reported revenue of $280M, net income of $85M, diluted EPS was $1.05. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $280M.
  • Net income $85M.
  • Diluted EPS $1.05.

Headline financials

Total Revenue

$371M

Previous: $217M+70.8%
EPS (adj)

$1.05

Previous: $0.82+28.0%
Return on Average Assets

1.0%

Previous: 1.2%-21.0%
Return on Average Equity

7.5%

Previous: 9.8%-23.1%
Efficiency Ratio

64.3%

Previous: 56.4%+13.9%
Net Interest Margin

3.8%

Previous: 3.3%+13.9%
Operating ROTCE

20.1%

Previous: 19.1%+4.9%
Operating Efficiency Ratio (FTE)

48.8%

Previous: 52.2%-6.5%
Common Equity Tier 1 Capital Ratio

9.9%

Previous: 9.8%+1.5%
Tier 1 Capital Ratio

10.5%

Previous: 10.6%-0.9%
Total Capital Ratio

13.8%

Previous: 13.3%+3.7%
Leverage Ratio

8.9%

Previous: 9.3%-3.8%
Common Equity to Total Assets

12.8%

Previous: 12.2%+5.3%
Tangible Common Equity to Tangible Assets

7.7%

Previous: 7.3%+5.5%
Net Charge-offs to Total Average LHFI (Annualized)

0.6%

Previous: 0.0%+5500.0%
Net Income

$92.1M

Previous: $76.4M+20.6%
Operating Income

$116M

Previous: $23M+406.2%

Revenue & EPS history

Atlantic Union · Revenue · Quarterly

$371M

Q3 2025+70.8%vs Q3 2024
Beat estimate in 4 of 15 quarters(27%)
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

The release discusses Atlantic Union Bankshares's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Net interest income and credit quality support the regional banking outlook.
  • Atlantic Union Bankshares cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.
  • Interest rates and deposit competition affect net interest margins.

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 Q3 2025

Historical avgQ3 2025

-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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