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Atlantic Union Bankshares
Atlantic Union Bankshares (AUB) investor relations material
Atlantic Union Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Delivered strong Q4 and full-year 2025 results, driven by disciplined execution, robust loan growth, and successful Sandy Spring acquisition integration, expanding the asset base to $37.6B.
Maintained a leading regional presence with $27.8B in loans and $30.5B in deposits at year-end, focusing on organic growth and top-tier performance.
2025 marked by agile management through merger, CRE loan sale, and macroeconomic headwinds.
Financial highlights
Q4 2025 net income available to common shareholders: $109M ($0.77/share); adjusted operating earnings: $138.4M ($0.97/share); net interest income: $330.2M; net interest margin: 3.96%.
Full-year 2025 net income: $261.8M ($2.03/share); adjusted operating earnings: $444.8M ($3.44/share).
Q4 adjusted operating ROA: 1.50%; ROTCE: 22.1%; efficiency ratio: 47.8%.
Q4 loan growth: 6.3% annualized, ending at $27.8B; deposits at $30.5B, down 2.5% annualized.
Noninterest income increased 10.1% sequentially, mainly due to the absence of prior quarter CRE loan sale losses.
Outlook and guidance
2026 year-end loan balances projected at $29–$30B; deposit balances at $31.5–$32.5B.
Net interest income projected at $1.35–$1.375B; net interest margin at 3.90%–4.00%; adjusted operating noninterest expense at $750–$760M.
Net charge-off ratio expected at 10–15 bps; allowance for credit losses to loans at 115–120 bps.
Tangible book value per share growth targeted at 12%–15% for 2026.
Share repurchases considered in late Q2 or Q3 2026 if CET1 exceeds 10.5%.
What drives adjusted operating ROTCE improvement?
Why are past due loans increasing despite lower NPAs?
Deposit mix shift impact on funding costs?
What CET1 level triggers share repurchases?
Key drivers for 2026 loan growth
2026 NIM outlook given Fed cuts and accretion
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Next Atlantic Union Bankshares earnings date
Q1 202623 Apr, 2026
Atlantic Union Bankshares
Next Atlantic Union Bankshares earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Atlantic Union Bankshares Corporation is a financial holding company that operates through its banking subsidiary, Atlantic Union Bank. The company provides a range of banking and financial services including commercial lending, personal banking, mortgage origination, and wealth management. It serves customers across Virginia and neighboring states. Atlantic Union Bankshares Corporation is headquartered in Richmond, Virginia, and its shares are listed on the NASDAQ.
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