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Atlantic Union Bankshares (AUBAP) Financials

Atlantic Union Bankshares logo
$23.74 +0.12 (+0.51%)
As of 04/17/2025
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Annual Income Statements for Atlantic Union Bankshares

Annual Income Statements for Atlantic Union Bankshares

This table shows Atlantic Union Bankshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 67 77 73 146 194 153 252 223 190 197
Consolidated Net Income / (Loss)		 67 77 73 146 194 158 264 235 202 209
Net Income / (Loss) Continuing Operations		 67 76 72 149 194 158 264 235 202 209
Total Pre-Tax Income 		90 102 105 179 231 186 319 280 240 260
Total Revenue		 317 324 341 531 671 687 665 703 702 817
Net Interest Income / (Expense)		 252 264 279 427 538 555 1,163 584 611 699
Total Interest Income		 277 294 329 529 699 653 592 660 954 1,228
Loans and Leases Interest Income		 248 261 294 470 612 575 509 556 847 1,093
Investment Securities Interest Income		 29 32 35 57 83 77 83 102 101 124
Deposits and Money Market Investments Interest Income		 0.09 0.24 0.54 2.13 3.73 1.27 0.86 2.61 6.07 11
Total Interest Expense		 25 30 50 102 161 98 41 76 343 529
Deposits Interest Expense		 16 18 26 59 115 76 27 56 297 484
Short-Term Borrowings Interest Expense		 0.94 2.89 6.04 18 15 1.69 0.11 5.39 27 23
Long-Term Debt Interest Expense		 8.44 9.15 18 24 31 21 14 15 20 22
Total Non-Interest Income		 65 60 62 104 133 131 126 119 91 119
Service Charges on Deposit Accounts		 - - - - 30 25 27 30 33 37
Other Service Charges		 49 7.26 55 11 87 97 75 77 87 72
Net Realized & Unrealized Capital Gains on Investments		 11 0.21 0.80 20 7.68 - 0.09 -0.00 -41 -6.49
Other Non-Interest Income		 4.59 52 6.14 73 8.31 9.55 11 12 12 16
Provision for Credit Losses		 9.57 8.88 11 14 21 87 -61 19 32 50
Total Non-Interest Expense		 217 213 226 338 418 413 419 404 430 508
Salaries and Employee Benefits		 104 111 116 159 195 207 215 229 237 271
Net Occupancy & Equipment Expense		 45 43 45 56 68 70 75 74 72 82
Marketing Expense		 7.22 7.76 7.80 10 12 9.89 9.88 9.24 10 12
Property & Liability Insurance Claims		 5.38 5.41 4.05 6.64 6.87 9.97 9.48 10 20 20
Other Operating Expenses		 46 39 42 53 74 69 81 70 80 62
Amortization Expense		 8.45 7.21 6.09 13 19 17 14 11 8.78 19
Restructuring Charge		 0.00 0.00 5.39 40 28 - - 0.00 3.00 40
Income Tax Expense		 23 26 33 30 38 28 55 45 38 51
Preferred Stock Dividends Declared		 - - - 0.00 0.00 5.66 12 12 12 12
Basic Earnings per Share		 $1.49 $1.77 $1.67 $2.22 $2.41 $1.93 $3.26 $2.97 $2.53 $2.29
Weighted Average Basic Shares Outstanding		 45.05M 43.78M 43.70M 65.86M 80.20M 78.86M 77.40M 74.95M 74.96M 86.15M
Diluted Earnings per Share		 $1.49 $1.77 $1.67 $2.22 $2.41 $1.93 $3.26 $2.97 $2.53 $2.24
Weighted Average Diluted Shares Outstanding		 45.14M 43.89M 43.78M 65.91M 80.26M 78.88M 77.42M 74.95M 74.96M 87.91M
Weighted Average Basic & Diluted Shares Outstanding		 45M 43.80M 43.70M 81.90M 79.22M 78.80M 75.58M 74.72M 75.08M 89.83M
Cash Dividends to Common per Share		 $0.68 $0.77 $0.81 $0.88 $0.96 $1.00 $1.09 $1.16 $1.22 $1.30

Quarterly Income Statements for Atlantic Union Bankshares

This table shows Atlantic Union Bankshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 55 68 33 52 51 54 47 22 73 55
Consolidated Net Income / (Loss)		 58 71 36 55 54 57 50 25 76 58
Net Income / (Loss) Continuing Operations		 58 71 36 55 54 57 50 25 76 58
Total Pre-Tax Income 		70 82 43 65 66 67 60 37 92 71
Total Revenue		 176 188 163 176 179 184 173 208 217 218
Net Interest Income / (Expense)		 151 164 153 152 152 154 148 185 183 183
Total Interest Income		 171 202 218 230 247 259 263 321 325 319
Loans and Leases Interest Income		 145 173 190 205 221 230 235 285 291 282
Investment Securities Interest Income		 26 27 26 24 24 27 27 33 32 31
Deposits and Money Market Investments Interest Income		 0.94 1.38 1.49 1.01 1.31 2.26 1.28 2.64 1.06 5.77
Total Interest Expense		 20 38 64 78 95 106 115 136 142 136
Deposits Interest Expense		 15 30 52 65 84 96 102 123 130 129
Short-Term Borrowings Interest Expense		 1.23 3.59 7.56 8.04 6.50 5.04 8.16 8.19 5.70 1.19
Long-Term Debt Interest Expense		 3.83 4.40 4.71 4.85 5.13 4.91 5.07 5.66 5.68 5.46
Total Non-Interest Income		 26 25 9.63 24 27 30 26 24 34 35
Service Charges on Deposit Accounts		 6.78 7.63 7.90 8.12 8.56 8.66 8.57 9.09 9.79 9.83
Other Service Charges		 15 14 12 13 43 18 14 17 19 22
Net Realized & Unrealized Capital Gains on Investments		 - - -13 0.00 -28 0.00 0.00 -6.52 0.00 0.02
Other Non-Interest Income		 3.45 2.65 2.83 2.87 2.97 3.09 3.25 3.79 5.04 3.56
Provision for Credit Losses		 6.41 6.26 12 6.07 4.99 8.71 8.24 22 2.60 17
Total Non-Interest Expense		 100 100 108 106 109 108 105 150 123 130
Salaries and Employee Benefits		 57 59 61 62 57 57 62 69 69 71
Net Occupancy & Equipment Expense		 18 20 18 18 17 18 18 22 21 21
Marketing Expense		 2.34 2.23 2.35 2.82 2.22 3.02 2.32 2.98 3.31 3.52
Property & Liability Insurance Claims		 3.09 1.90 3.90 4.07 4.26 7.63 5.14 4.68 5.28 5.16
Other Operating Expenses		 17 15 21 16 23 19 16 16 16 14
Amortization Expense		 2.48 2.38 2.28 2.22 2.19 2.09 1.90 6.00 5.80 5.61
Income Tax Expense		 12 12 7.29 9.31 12 9.96 10 11 16 14
Preferred Stock Dividends Declared		 2.97 2.97 2.97 2.97 2.97 2.97 2.97 2.97 2.97 2.97
Basic Earnings per Share		 $0.74 $0.90 $0.44 $0.70 $0.68 $0.71 $0.62 $0.25 $0.82 $0.60
Weighted Average Basic Shares Outstanding		 74.70M 74.95M 74.83M 75.00M 75.00M 74.96M 75.20M 89.77M 89.78M 86.15M
Diluted Earnings per Share		 $0.74 $0.90 $0.44 $0.70 $0.68 $0.71 $0.62 $0.25 $0.82 $0.55
Weighted Average Diluted Shares Outstanding		 74.71M 74.95M 74.84M 75.00M 75.00M 74.96M 75.20M 89.77M 89.78M 87.91M
Weighted Average Basic & Diluted Shares Outstanding		 74.71M 74.72M 74.99M - - 75.08M 89.77M 89.78M 89.78M 89.83M
Cash Dividends to Common per Share		 $0.30 $0.30 $0.30 $0.30 $0.30 $0.32 $0.32 $0.32 $0.32 $0.34

Annual Cash Flow Statements for Atlantic Union Bankshares

This table details how cash moves in and out of Atlantic Union Bankshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 9.40 37 20 62 175 57 309 -483 58 -24
Net Cash From Operating Activities		 111 94 110 217 195 232 338 420 278 308
Net Cash From Continuing Operating Activities		 111 94 110 217 195 232 338 420 278 308
Net Income / (Loss) Continuing Operations		 67 77 73 146 194 158 264 235 202 209
Consolidated Net Income / (Loss)		 67 77 73 146 194 158 264 235 202 209
Provision For Loan Losses		 9.57 9.10 11 14 21 87 -61 19 32 50
Depreciation Expense		 26 24 25 26 40 43 51 45 41 35
Amortization Expense		 1.82 1.53 -0.87 -6.71 -7.90 -8.40 -2.95 3.30 4.79 -21
Non-Cash Adjustments to Reconcile Net Income		 0.32 -0.87 6.92 -0.71 -5.86 -14 139 21 0.18 24
Changes in Operating Assets and Liabilities, net		 6.40 -17 -4.61 38 -46 -34 -52 96 -1.32 12
Net Cash From Investing Activities		 -375 -715 -886 -770 -425 -1,918 -345 -1,277 -603 -296
Net Cash From Continuing Investing Activities		 -375 -715 -886 -770 -425 -1,918 -345 -1,277 -603 -296
Purchase of Property, Leasehold Improvements and Equipment		 - - - - - - - 14 56 7.37
Purchase of Investment Securities		 -660 -909 -1,155 -2,252 -1,249 -2,588 -924 -1,701 -1,758 -1,311
Divestitures		 0.00 0.21 5.04 174 46 - - 0.00 0.00 55
Sale and/or Maturity of Investments		 285 194 264 1,308 777 670 578 410 1,099 953
Net Cash From Financing Activities		 274 658 796 615 405 1,744 317 375 383 -37
Net Cash From Continuing Financing Activities		 274 658 796 615 405 1,744 317 375 383 -37
Net Change in Deposits		 327 416 607 432 1,108 2,418 888 -679 886 994
Issuance of Common Equity		 0.93 1.43 1.04 2.35 1.99 1.01 3.14 3.88 0.78 0.23
Repayment of Debt		 -10 -58 -10 -40 -221 -705 -365 1,201 -398 -903
Repurchase of Common Equity		 -16 -33 0.00 0.00 -80 -50 -125 -48 0.00 0.00
Payment of Dividends		 -29 -34 -35 -58 -78 -85 -96 -99 -103 -124
Other Financing Activities, Net		 -0.42 -0.59 -4.57 -5.00 -2.87 -2.26 -2.58 -3.23 -2.49 -3.96
Cash Interest Paid		 28 30 48 99 160 101 41 71 327 516
Cash Income Taxes Paid		 21 28 24 11 25 26 1.34 1.63 19 3.75

Quarterly Cash Flow Statements for Atlantic Union Bankshares

This table details how cash moves in and out of Atlantic Union Bankshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 150 -71 52 56 -29 -21 19 49 82 -174
Net Cash From Operating Activities		 128 93 63 73 89 53 57 86 68 98
Net Cash From Continuing Operating Activities		 128 93 63 73 89 53 57 86 68 98
Net Income / (Loss) Continuing Operations		 58 71 36 55 54 57 50 25 76 58
Consolidated Net Income / (Loss)		 58 71 36 55 54 57 50 25 76 58
Provision For Loan Losses		 6.41 6.26 12 6.07 4.99 8.71 8.24 22 2.60 17
Depreciation Expense		 11 11 9.84 9.57 8.70 13 9.50 8.40 8.70 8.71
Amortization Expense		 1.26 1.03 1.29 1.26 0.98 1.26 2.87 23 -40 -6.98
Non-Cash Adjustments to Reconcile Net Income		 2.59 19 7.47 -5.50 1.91 -3.70 -8.72 4.62 -3.01 31
Changes in Operating Assets and Liabilities, net		 48 -15 -3.60 6.22 19 -23 -4.65 2.67 23 -9.55
Net Cash From Investing Activities		 -242 -563 403 -468 -168 -370 -215 -167 99 -12
Net Cash From Continuing Investing Activities		 -242 -563 403 -468 -168 -370 -215 -167 99 -12
Purchase of Investment Securities		 -342 -658 -206 -563 -522 -467 -338 -759 -70 -143
Sale and/or Maturity of Investments		 100 82 609 95 308 86 124 537 169 124
Net Cash From Financing Activities		 263 399 -413 452 49 296 176 131 -84 -260
Net Cash From Continuing Financing Activities		 263 399 -413 452 49 296 176 131 -84 -260
Net Change in Deposits		 418 -615 524 -44 375 32 460 138 303 92
Issuance of Common Equity		 0.04 0.03 0.47 - 0.09 0.22 0.23 - - 0.00
Payment of Dividends		 -25 -25 -25 -25 -25 -27 -27 -32 -32 -33
Other Financing Activities, Net		 -0.15 -0.17 -2.12 -0.08 -0.19 -0.11 -2.68 -0.96 -0.11 -0.21
Cash Interest Paid		 18 37 59 77 89 102 109 134 138 135
Cash Income Taxes Paid		 0.29 0.40 - - 15 4.00 - - 0.27 0.20

Annual Balance Sheets for Atlantic Union Bankshares

This table presents Atlantic Union Bankshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 7,693 8,427 9,315 13,766 17,563 19,628 20,065 20,461 21,166 24,585
Cash and Due from Banks		 111 121 118 167 163 172 181 216 197 196
Federal Funds Sold		 1.67 0.45 0.50 0.22 38 2.01 2.82 1.46 14 3.94
Interest Bearing Deposits at Other Banks		 30 58 81 94 235 319 619 102 168 154
Trading Account Securities		 1,145 1,185 1,174 2,267 2,501 3,085 4,110 3,590 3,069 3,246
Loans and Leases, Net of Allowance		 5,637 6,270 7,103 9,675 12,569 13,861 13,096 14,338 15,503 18,292
Loans and Leases		 5,671 6,307 7,142 9,716 12,611 14,021 13,196 14,449 15,635 18,471
Allowance for Loan and Lease Losses		 34 37 38 41 42 161 100 111 132 179
Loans Held for Sale		 - - - - 55 97 13,117 3.94 6.71 9.42
Premises and Equipment, Net		 126 122 120 147 161 164 135 118 91 113
Goodwill		 294 298 299 727 936 936 936 925 925 1,214
Intangible Assets		 23 21 15 49 74 57 43 27 19 85
Other Assets		 326 352 406 639 832 936 922 1,139 1,175 1,273
Total Liabilities & Shareholders' Equity		 7,693 8,427 9,315 13,766 17,563 19,628 20,065 20,461 21,166 24,585
Total Liabilities		 6,698 7,426 8,269 11,841 15,050 16,920 17,355 18,088 18,610 21,442
Non-Interest Bearing Deposits		 1,373 1,394 1,502 2,095 2,970 4,369 5,207 4,883 3,963 4,277
Interest Bearing Deposits		 4,591 4,986 5,490 7,876 10,335 11,354 11,404 11,048 12,855 16,121
Short-Term Debt		 389 577 794 1,088 436 351 118 1,319 921 116
Long-Term Debt		 291 413 425 668 1,077 490 389 390 391 418
Other Long-Term Liabilities		 54 56 58 114 231 356 237 448 480 510
Total Equity & Noncontrolling Interests		 995 1,001 1,046 1,925 2,513 2,708 2,710 2,373 2,556 3,143
Total Preferred & Common Equity		 995 1,001 1,046 1,925 2,513 2,708 2,710 2,373 2,556 3,143
Preferred Stock		 - - - - 0.00 0.17 0.17 0.17 0.17 0.17
Total Common Equity		 995 1,001 1,046 1,925 2,513 2,708 2,710 2,373 2,556 3,143
Common Stock		 691 663 668 1,468 1,896 2,021 1,907 1,871 1,881 2,399
Retained Earnings		 298 342 379 467 581 616 784 920 1,018 1,103
Accumulated Other Comprehensive Income / (Loss)		 6.25 -3.81 -0.88 -10 36 71 19 -418 -343 -360

Quarterly Balance Sheets for Atlantic Union Bankshares

This table presents Atlantic Union Bankshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 19,950 20,103 21,378 24,761 24,804
Cash and Due from Banks		 178 187 169 233 232
Federal Funds Sold		 1.19 0.72 2.43 5.82 4.69
Interest Bearing Deposits at Other Banks		 212 184 225 207 291
Trading Account Securities		 3,559 3,108 3,031 3,366 3,415
Loans and Leases, Net of Allowance		 13,811 14,468 15,715 18,189 18,177
Loans and Leases		 13,919 14,584 15,852 18,347 18,337
Allowance for Loan and Lease Losses		 108 117 136 158 161
Loans Held for Sale		 13 14,482 12 13 11
Premises and Equipment, Net		 126 116 90 115 115
Goodwill		 925 925 925 1,207 1,213
Intangible Assets		 29 24 17 96 90
Other Assets		 1,096 1,075 1,190 1,329 1,255
Total Liabilities & Shareholders' Equity		 19,950 20,103 21,378 24,761 24,804
Total Liabilities		 17,669 17,663 18,829 21,718 21,621
Non-Interest Bearing Deposits		 5,291 4,578 3,845 4,527 4,423
Interest Bearing Deposits		 11,255 11,878 13,433 15,474 15,882
Short-Term Debt		 280 409 666 790 434
Long-Term Debt		 390 390 391 417 418
Other Long-Term Liabilities		 453 408 493 510 464
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,281 2,440 2,549 3,044 3,182
Total Preferred & Common Equity		 2,281 2,440 2,549 3,044 3,182
Preferred Stock		 0.17 0.17 0.17 0.17 0.17
Total Common Equity		 2,281 2,440 2,549 3,044 3,182
Common Stock		 1,869 1,872 1,882 2,392 2,396
Retained Earnings		 874 930 1,041 1,034 1,079
Accumulated Other Comprehensive Income / (Loss)		 -462 -362 -374 -383 -292

Annual Metrics and Ratios for Atlantic Union Bankshares

This table displays calculated financial ratios and metrics derived from Atlantic Union Bankshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.17% 2.20% 5.44% 55.50% 26.32% 2.40% -3.19% 5.71% -0.13% 16.46%
EBITDA Growth		 21.52% 7.79% 1.70% 53.94% 32.30% -16.07% 60.33% -7.24% -13.09% -4.15%
EBIT Growth		 28.59% 12.67% 3.07% 70.94% 28.88% -19.44% 64.55% -8.67% -14.31% 8.29%
NOPAT Growth		 28.59% 13.15% -4.90% 107.01% 29.64% -18.31% 66.80% -11.14% -13.94% 3.62%
Net Income Growth		 28.59% 15.50% -5.88% 100.55% 32.33% -18.24% 66.80% -11.14% -13.94% 3.62%
EPS Growth		 31.86% 18.79% -5.65% 32.93% 8.56% -19.92% 68.91% -8.90% -14.81% -11.46%
Operating Cash Flow Growth		 -12.81% -15.40% 17.57% 96.46% -10.13% 19.06% 45.65% 24.24% -33.75% 10.94%
Free Cash Flow Firm Growth		 107.83% -530.76% 15.54% -525.21% 87.97% 517.53% -6.20% -205.67% 165.86% -3.66%
Invested Capital Growth		 0.69% 18.83% 13.79% 62.46% 9.40% -11.86% -9.37% 26.88% -5.22% -4.93%
Revenue Q/Q Growth		 0.52% -1.58% 3.51% 9.62% 4.97% 2.01% -2.25% 3.81% -0.69% 4.47%
EBITDA Q/Q Growth		 -5.91% -1.09% 0.34% 15.33% 6.04% 3.16% -6.39% 12.88% -4.45% -2.82%
EBIT Q/Q Growth		 -9.82% 3.17% 0.76% 17.15% 6.34% 1.57% -7.93% 16.05% -6.04% 1.74%
NOPAT Q/Q Growth		 4.43% 1.86% -5.31% 24.21% 6.37% 2.30% -4.23% 10.74% -6.32% 0.42%
Net Income Q/Q Growth		 4.43% 3.98% -7.12% 24.63% 6.46% -17.77% 11.00% 10.74% -6.32% 0.42%
EPS Q/Q Growth		 4.93% 4.73% -7.22% 16.84% 1.26% 0.52% -3.26% 11.24% -6.99% -6.67%
Operating Cash Flow Q/Q Growth		 12.94% -9.26% -6.13% 34.13% 8.55% -11.42% 14.29% -1.18% -7.88% 23.69%
Free Cash Flow Firm Q/Q Growth		 137.70% -77.65% -123.35% -3.67% -34.96% 799.38% -49.05% -284.69% -86.89% 110.45%
Invested Capital Q/Q Growth		 -2.42% 3.35% 8.23% 7.17% 7.97% -10.72% 4.43% 38.32% 0.00% -8.85%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 37.23% 39.27% 37.87% 37.49% 39.26% 32.18% 53.29% 46.77% 40.70% 33.50%
EBIT Margin		 28.53% 31.45% 30.74% 33.80% 34.48% 27.13% 46.11% 39.84% 34.18% 31.78%
Profit (Net Income) Margin		 21.17% 23.93% 21.36% 27.55% 28.86% 23.04% 39.70% 33.37% 28.75% 25.58%
Tax Burden Percent		 74.21% 76.07% 69.47% 81.51% 83.69% 84.93% 82.80% 83.77% 84.13% 80.50%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 103.98% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.79% 25.47% 31.24% 16.73% 16.24% 15.07% 17.20% 16.23% 15.87% 19.50%
Return on Invested Capital (ROIC)		 4.02% 4.14% 3.39% 5.03% 5.03% 4.18% 7.80% 6.43% 5.08% 5.54%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.02% 4.33% 3.46% 4.81% 5.02% 4.18% 7.80% 6.43% 5.08% 5.54%
Return on Net Nonoperating Assets (RNNOA)		 2.78% 3.62% 3.73% 4.82% 3.70% 1.88% 1.94% 2.80% 3.11% 1.80%
Return on Equity (ROE)		 6.80% 7.76% 7.12% 9.85% 8.72% 6.06% 9.74% 9.23% 8.19% 7.34%
Cash Return on Invested Capital (CROIC)		 3.33% -13.07% -9.51% -42.57% -3.95% 16.79% 17.63% -17.27% 10.44% 10.60%
Operating Return on Assets (OROA)		 1.20% 1.26% 1.18% 1.55% 1.48% 1.00% 1.54% 1.38% 1.15% 1.14%
Return on Assets (ROA)		 0.89% 0.96% 0.82% 1.27% 1.24% 0.85% 1.33% 1.16% 0.97% 0.91%
Return on Common Equity (ROCE)		 6.80% 7.76% 7.12% 9.85% 8.72% 6.06% 9.74% 9.23% 8.19% 7.34%
Return on Equity Simple (ROE_SIMPLE)		 6.74% 7.74% 6.97% 7.60% 7.70% 5.84% 9.74% 9.88% 7.89% 6.65%
Net Operating Profit after Tax (NOPAT)		 67 76 72 149 194 158 264 235 202 209
NOPAT Margin		 21.17% 23.44% 21.14% 28.14% 28.88% 23.04% 39.70% 33.37% 28.75% 25.58%
Net Nonoperating Expense Percent (NNEP)		 0.00% -0.19% -0.07% 0.21% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.49% 49.91% 49.35% 42.41% 40.94% 41.68% 45.07% 44.45% 45.45% 44.73%
Operating Expenses to Revenue		 68.45% 65.81% 66.09% 63.62% 62.37% 60.19% 63.05% 57.46% 61.32% 62.09%
Earnings before Interest and Taxes (EBIT)		 90 102 105 179 231 186 307 280 240 260
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 118 127 129 199 263 221 354 329 286 274
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 1.21 1.21 0.79 1.01 0.83 0.93 1.02 0.00 1.07
Price to Tangible Book Value (P/TBV)		 1.26 1.78 1.72 1.32 1.69 1.32 1.46 1.70 0.00 1.83
Price to Revenue (P/Rev)		 2.71 3.75 3.70 2.87 3.79 3.29 3.81 3.43 0.00 4.12
Price to Earnings (P/E)		 12.78 15.66 17.32 10.40 13.13 14.81 10.04 10.84 0.00 17.09
Dividend Yield		 3.56% 2.76% 2.81% 3.82% 3.05% 3.48% 3.26% 4.52% 3.49% 3.46%
Earnings Yield		 7.83% 6.39% 5.77% 9.61% 7.62% 6.75% 9.96% 9.23% 0.00% 5.85%
Enterprise Value to Invested Capital (EV/IC)		 0.83 1.02 1.01 0.82 0.90 0.73 0.69 0.93 0.00 0.97
Enterprise Value to Revenue (EV/Rev)		 4.40 6.25 6.69 5.68 5.40 3.80 3.36 5.41 0.00 4.34
Enterprise Value to EBITDA (EV/EBITDA)		 11.82 15.92 17.65 15.16 13.74 11.80 6.31 11.57 0.00 12.97
Enterprise Value to EBIT (EV/EBIT)		 15.43 19.88 21.75 16.81 15.65 14.00 7.29 13.58 0.00 13.67
Enterprise Value to NOPAT (EV/NOPAT)		 20.79 26.67 31.63 20.19 18.68 16.48 8.47 16.21 0.00 16.98
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.57 21.57 20.69 13.92 18.58 11.24 6.61 9.06 0.00 11.51
Enterprise Value to Free Cash Flow (EV/FCFF)		 25.06 0.00 0.00 0.00 0.00 4.10 3.75 0.00 0.00 8.88
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.68 0.99 1.17 0.91 0.60 0.31 0.19 0.72 0.51 0.17
Long-Term Debt to Equity		 0.29 0.41 0.41 0.35 0.43 0.18 0.14 0.16 0.15 0.13
Financial Leverage		 0.69 0.84 1.08 1.00 0.74 0.45 0.25 0.44 0.61 0.32
Leverage Ratio		 7.63 8.07 8.67 7.77 7.06 7.12 7.33 7.97 8.45 8.03
Compound Leverage Factor		 7.63 8.07 8.67 7.77 7.06 7.12 7.62 7.97 8.45 8.03
Debt to Total Capital		 40.59% 49.73% 53.82% 47.71% 37.59% 23.69% 15.75% 41.87% 33.91% 14.54%
Short-Term Debt to Total Capital		 23.22% 28.97% 35.05% 29.55% 10.83% 9.89% 3.66% 32.31% 23.81% 3.16%
Long-Term Debt to Total Capital		 17.38% 20.76% 18.77% 18.16% 26.76% 13.80% 12.08% 9.55% 10.11% 11.37%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 59.41% 50.27% 46.18% 52.29% 62.41% 76.31% 84.25% 58.13% 66.08% 85.46%
Debt to EBITDA		 5.77 7.79 9.43 8.82 5.75 3.80 1.43 5.20 4.59 1.95
Net Debt to EBITDA		 4.56 6.38 7.89 7.51 4.09 1.57 -0.84 4.23 3.27 0.66
Long-Term Debt to EBITDA		 2.47 3.25 3.29 3.36 4.09 2.22 1.10 1.19 1.37 1.53
Debt to NOPAT		 10.14 13.05 16.90 11.75 7.82 5.31 1.92 7.29 6.50 2.56
Net Debt to NOPAT		 8.01 10.68 14.13 10.01 5.56 2.20 -1.12 5.92 4.63 0.86
Long-Term Debt to NOPAT		 4.34 5.45 5.89 4.47 5.56 3.10 1.47 1.66 1.94 2.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 56 -240 -202 -1,266 -152 636 596 -630 415 400
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 2.23 -8.05 -4.05 -12.40 -0.94 6.48 14.51 -8.27 1.21 0.76
Operating Cash Flow to Interest Expense		 4.45 3.15 2.21 2.12 1.21 2.36 8.22 5.51 0.81 0.58
Operating Cash Flow Less CapEx to Interest Expense		 4.45 3.15 2.21 2.12 1.21 2.36 8.22 5.69 0.97 0.60
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.05 0.04 0.04 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 2.43 2.61 2.83 3.98 4.35 4.23 4.45 5.55 6.71 8.03
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,676 1,991 2,266 3,681 4,027 3,549 3,217 4,081 3,868 3,677
Invested Capital Turnover		 0.19 0.18 0.16 0.18 0.17 0.18 0.20 0.19 0.18 0.22
Increase / (Decrease) in Invested Capital		 11 316 275 1,415 346 -478 -333 865 -213 -191
Enterprise Value (EV)		 1,395 2,024 2,283 3,017 3,619 2,607 2,234 3,802 0.00 3,551
Market Capitalization		 857 1,213 1,263 1,522 2,541 2,260 2,530 2,413 0.00 3,370
Book Value per Share		 $22.16 $22.98 $23.93 $29.17 $31.16 $34.41 $35.82 $31.76 $34.10 $35.01
Tangible Book Value per Share		 $15.10 $15.66 $16.76 $17.41 $18.65 $21.79 $22.88 $19.01 $21.50 $20.54
Total Capital		 1,676 1,991 2,266 3,681 4,027 3,549 3,217 4,081 3,868 3,677
Total Debt		 680 990 1,219 1,756 1,514 841 507 1,709 1,312 535
Total Long-Term Debt		 291 413 425 668 1,077 490 389 390 391 418
Net Debt		 538 811 1,020 1,495 1,078 347 -296 1,389 934 181
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -14 -56 -7.37
Net Nonoperating Expense (NNE)		 0.00 -1.58 -0.75 3.17 0.17 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 680 990 1,219 1,756 1,514 841 507 1,709 1,312 535
Total Depreciation and Amortization (D&A)		 28 25 24 20 32 35 48 49 46 14
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.49 $1.77 $1.67 $2.22 $2.41 $1.93 $3.26 $2.97 $2.53 $2.29
Adjusted Weighted Average Basic Shares Outstanding		 45.05M 43.78M 43.70M 65.86M 80.20M 78.86M 77.40M 74.95M 74.96M 86.15M
Adjusted Diluted Earnings per Share		 $1.49 $1.77 $1.67 $2.22 $2.41 $1.93 $3.26 $2.97 $2.53 $2.24
Adjusted Weighted Average Diluted Shares Outstanding		 45.14M 43.89M 43.78M 65.91M 80.26M 78.88M 77.42M 74.95M 74.96M 87.91M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 44.07M 43.63M 65.76M 81.90M 79.22M 78.80M 75.58M 74.72M 75.08M 89.83M
Normalized Net Operating Profit after Tax (NOPAT)		 67 76 76 182 231 185 264 235 204 241
Normalized NOPAT Margin		 21.17% 23.44% 22.23% 34.37% 34.40% 26.89% 39.70% 33.37% 29.11% 29.53%
Pre Tax Income Margin		 28.53% 31.45% 30.74% 33.80% 34.48% 27.13% 47.94% 39.84% 34.18% 31.78%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.62 3.42 2.10 1.76 1.43 1.90 7.46 3.68 0.70 0.49
NOPAT to Interest Expense		 2.69 2.55 1.44 1.46 1.20 1.61 6.42 3.08 0.59 0.40
EBIT Less CapEx to Interest Expense		 3.62 3.42 2.10 1.76 1.43 1.90 7.46 3.85 0.86 0.51
NOPAT Less CapEx to Interest Expense		 2.69 2.55 1.44 1.46 1.20 1.61 6.42 3.26 0.75 0.41
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 43.35% 43.46% 48.53% 39.66% 40.48% 53.42% 36.44% 42.12% 51.18% 59.23%
Augmented Payout Ratio		 67.59% 86.28% 48.53% 39.66% 81.96% 84.94% 83.80% 62.68% 51.18% 59.23%

Quarterly Metrics and Ratios for Atlantic Union Bankshares

This table displays calculated financial ratios and metrics derived from Atlantic Union Bankshares' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 5.30% 15.89% 1.23% -0.44% 1.55% -2.57% 6.32% 18.19% 21.33% 19.06%
EBITDA Growth		 -19.66% 66.07% -18.13% -12.20% -8.83% -14.11% 33.58% -9.75% -19.57% -9.81%
EBIT Growth		 -23.06% 88.83% -18.91% -13.62% -6.33% -18.75% 39.39% -43.32% 40.43% 6.64%
NOPAT Growth		 -22.12% 47.60% -18.40% -11.23% -6.98% -19.31% 39.59% -54.45% 41.46% 1.54%
Net Income Growth		 -22.12% 47.60% -18.40% -11.23% -6.98% -19.31% 39.59% -54.45% 41.46% 1.54%
EPS Growth		 -21.28% 50.00% -18.52% -11.39% -8.11% -21.11% 40.91% -64.29% 20.59% -22.54%
Operating Cash Flow Growth		 24.45% -5.13% -43.91% -17.00% -29.99% -42.55% -8.79% 17.54% -24.47% 84.44%
Free Cash Flow Firm Growth		 -80.65% -308.84% -163.92% 678,700.21% 1,501.96% 134.01% -57.98% -230.22% -231.73% -8.01%
Invested Capital Growth		 -4.20% 26.88% 7.89% 0.00% 0.00% -5.22% 11.35% 0.00% 0.00% -4.93%
Revenue Q/Q Growth		 -0.43% 6.83% -13.42% 8.10% 1.56% 2.50% 0.00% 20.17% 4.26% 0.58%
EBITDA Q/Q Growth		 -3.91% 14.27% -42.63% 39.39% -0.22% 7.65% 0.00% -5.82% -11.07% 20.71%
EBIT Q/Q Growth		 -6.37% 17.63% -47.82% 50.30% 1.53% 2.03% 0.00% -38.88% 151.53% -22.52%
NOPAT Q/Q Growth		 -6.68% 21.45% -49.45% 54.94% -2.22% 5.35% 0.00% -49.44% 203.70% -24.38%
Net Income Q/Q Growth		 -6.68% 21.45% -49.45% 54.94% -2.22% 5.35% 0.00% -49.44% 203.70% -24.38%
EPS Q/Q Growth		 -6.33% 21.62% -51.11% 59.09% -2.86% 4.41% 0.00% -59.68% 228.00% -32.93%
Operating Cash Flow Q/Q Growth		 45.45% -27.34% -18.88% 16.56% 22.67% -40.38% 0.00% 50.22% -21.17% 45.59%
Free Cash Flow Firm Q/Q Growth		 39,139.75% -523.45% 74.68% 1,713.25% -7.39% -91.01% 0.00% -1,229.80% 6.32% 106.28%
Invested Capital Q/Q Growth		 -7.48% 38.32% -20.64% -100.00% 0.00% 0.00% 0.00% 17.85% -5.08% -8.85%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 46.79% 50.05% 33.16% 42.76% 42.01% 44.13% 41.66% 32.65% 27.85% 33.43%
EBIT Margin		 39.68% 43.70% 26.34% 36.62% 36.61% 36.44% 34.53% 17.56% 42.37% 32.64%
Profit (Net Income) Margin		 32.94% 37.44% 21.86% 31.34% 30.17% 31.01% 28.71% 12.08% 35.18% 26.45%
Tax Burden Percent		 83.00% 85.69% 83.02% 85.58% 82.42% 85.10% 83.14% 68.76% 83.03% 81.04%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.00% 14.31% 16.98% 14.42% 17.58% 14.90% 16.86% 31.24% 16.97% 18.96%
Return on Invested Capital (ROIC)		 7.39% 7.21% 4.94% 0.00% 0.00% 5.48% 5.97% 4.23% 13.64% 5.73%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.39% 7.21% 4.94% 0.00% 0.00% 5.48% 5.97% 4.23% 13.64% 5.73%
Return on Net Nonoperating Assets (RNNOA)		 1.57% 3.14% 1.30% 0.00% 0.00% 3.36% 2.22% 1.68% 3.65% 1.86%
Return on Equity (ROE)		 8.96% 10.35% 6.24% 0.00% 0.00% 8.83% 8.20% 5.91% 17.30% 7.59%
Cash Return on Invested Capital (CROIC)		 11.32% -17.27% -0.33% 0.00% 0.00% 10.44% -4.43% -191.25% -189.68% 10.60%
Operating Return on Assets (OROA)		 1.35% 1.52% 0.93% 0.00% 0.00% 1.23% 1.19% 0.53% 1.34% 1.17%
Return on Assets (ROA)		 1.12% 1.30% 0.77% 0.00% 0.00% 1.05% 0.99% 0.36% 1.11% 0.95%
Return on Common Equity (ROCE)		 8.96% 10.35% 6.24% 0.00% 0.00% 8.83% 8.19% 5.91% 17.30% 7.59%
Return on Equity Simple (ROE_SIMPLE)		 9.28% 0.00% 9.28% 0.00% 0.00% 0.00% 8.47% 6.11% 6.54% 0.00%
Net Operating Profit after Tax (NOPAT)		 58 71 36 55 54 57 50 25 76 58
NOPAT Margin		 32.94% 37.44% 21.86% 31.34% 30.17% 31.01% 28.71% 12.08% 35.18% 26.45%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.84% 42.84% 49.75% 47.12% 43.06% 42.35% 47.45% 44.84% 43.27% 43.92%
Operating Expenses to Revenue		 56.68% 52.98% 66.40% 59.94% 60.61% 58.82% 60.72% 72.00% 56.43% 59.35%
Earnings before Interest and Taxes (EBIT)		 70 82 43 65 66 67 60 37 92 71
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 82 94 54 75 75 81 72 68 60 73
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 1.02 1.01 0.00 0.00 0.00 0.00 0.96 1.06 1.07
Price to Tangible Book Value (P/TBV)		 1.57 1.70 1.66 0.00 0.00 0.00 0.00 1.68 1.80 1.83
Price to Revenue (P/Rev)		 3.08 3.43 3.50 2.64 2.94 0.00 0.00 3.93 4.32 4.12
Price to Earnings (P/E)		 10.43 10.84 11.50 8.94 10.20 0.00 0.00 16.80 17.22 17.09
Dividend Yield		 4.08% 4.52% 4.48% 6.06% 5.42% 3.49% 3.58% 3.87% 3.40% 3.46%
Earnings Yield		 9.59% 9.23% 8.70% 11.19% 9.80% 0.00% 0.00% 5.95% 5.81% 5.85%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.93 0.89 0.00 0.00 0.00 0.00 0.87 0.92 0.97
Enterprise Value to Revenue (EV/Rev)		 3.49 5.41 4.11 0.00 0.00 0.00 0.00 4.95 4.74 4.34
Enterprise Value to EBITDA (EV/EBITDA)		 8.12 11.57 9.14 0.00 0.00 0.00 0.00 12.43 13.16 12.97
Enterprise Value to EBIT (EV/EBIT)		 9.80 13.58 10.72 0.00 0.00 0.00 0.00 16.10 14.51 13.67
Enterprise Value to NOPAT (EV/NOPAT)		 11.16 16.21 12.78 0.00 0.00 0.00 0.00 19.82 17.80 16.98
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.57 9.06 8.15 0.00 0.00 0.00 0.00 13.58 14.86 11.51
Enterprise Value to Free Cash Flow (EV/FCFF)		 6.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.88
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.29 0.72 0.33 0.00 0.00 0.51 0.42 0.40 0.27 0.17
Long-Term Debt to Equity		 0.17 0.16 0.16 0.00 0.00 0.15 0.15 0.14 0.13 0.13
Financial Leverage		 0.21 0.44 0.26 0.00 0.00 0.61 0.37 0.40 0.27 0.32
Leverage Ratio		 8.02 7.97 8.08 0.00 0.00 8.45 8.31 8.14 7.79 8.03
Compound Leverage Factor		 8.02 7.97 8.08 0.00 0.00 8.45 8.31 8.14 7.79 8.03
Debt to Total Capital		 22.69% 41.87% 24.66% 0.00% 0.00% 33.91% 29.33% 28.39% 21.12% 14.54%
Short-Term Debt to Total Capital		 9.49% 32.31% 12.62% 0.00% 0.00% 23.81% 18.48% 18.59% 10.76% 3.16%
Long-Term Debt to Total Capital		 13.20% 9.55% 12.04% 0.00% 0.00% 10.11% 10.85% 9.80% 10.36% 11.37%
Preferred Equity to Total Capital		 0.01% 0.00% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 77.30% 58.13% 75.33% 0.00% 0.00% 66.08% 70.67% 71.61% 78.87% 85.46%
Debt to EBITDA		 2.30 5.20 2.52 0.00 0.00 4.59 3.48 4.07 3.02 1.95
Net Debt to EBITDA		 0.96 4.23 1.35 0.00 0.00 3.27 2.18 2.57 1.15 0.66
Long-Term Debt to EBITDA		 1.34 1.19 1.23 0.00 0.00 1.37 1.29 1.41 1.48 1.53
Debt to NOPAT		 3.16 7.29 3.53 0.00 0.00 6.50 4.90 6.49 4.09 2.56
Net Debt to NOPAT		 1.32 5.92 1.88 0.00 0.00 4.63 3.06 4.09 1.56 0.86
Long-Term Debt to NOPAT		 1.84 1.66 1.72 0.00 0.00 1.94 1.81 2.24 2.01 2.00
Noncontrolling Interest Sharing Ratio		 0.01% 0.01% 0.01% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 188 -794 -201 3,245 3,005 270 -318 -4,225 -3,958 249
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 9.18 -20.78 -3.14 41.51 31.56 2.55 -2.76 -30.99 -27.95 1.83
Operating Cash Flow to Interest Expense		 6.25 2.43 0.98 0.93 0.94 0.50 0.50 0.63 0.48 0.72
Operating Cash Flow Less CapEx to Interest Expense		 6.25 2.43 0.98 0.93 0.94 0.50 0.50 0.63 0.48 0.72
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.00 0.00 0.03 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 4.73 5.55 5.70 0.00 0.00 6.71 6.89 6.47 6.80 8.03
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 2,951 4,081 3,239 0.00 0.00 3,868 3,607 4,250 4,035 3,677
Invested Capital Turnover		 0.22 0.19 0.23 0.00 0.00 0.18 0.21 0.35 0.39 0.22
Increase / (Decrease) in Invested Capital		 -129 865 237 -3,189 -2,951 -213 368 4,250 4,035 -191
Enterprise Value (EV)		 2,364 3,802 2,895 0.00 0.00 0.00 0.00 3,684 3,706 3,551
Market Capitalization		 2,085 2,413 2,468 1,855 2,077 0.00 0.00 2,923 3,382 3,370
Book Value per Share		 $30.53 $31.76 $32.66 $0.00 $0.00 $34.10 $33.89 $33.90 $35.44 $35.01
Tangible Book Value per Share		 $17.76 $19.01 $19.95 $0.00 $0.00 $21.50 $21.36 $19.38 $20.93 $20.54
Total Capital		 2,951 4,081 3,239 0.00 0.00 3,868 3,607 4,250 4,035 3,677
Total Debt		 670 1,709 799 0.00 0.00 1,312 1,058 1,207 852 535
Total Long-Term Debt		 390 390 390 0.00 0.00 391 391 417 418 418
Net Debt		 279 1,389 427 0.00 0.00 934 661 761 324 181
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 670 1,709 799 0.00 0.00 1,312 1,058 1,207 852 535
Total Depreciation and Amortization (D&A)		 13 12 11 11 9.68 14 12 31 -32 1.72
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.74 $0.90 $0.44 $0.00 $0.00 $0.71 $0.62 $0.25 $0.82 $0.60
Adjusted Weighted Average Basic Shares Outstanding		 74.70M 74.95M 74.83M 0.00 0.00 74.96M 75.20M 89.77M 89.78M 86.15M
Adjusted Diluted Earnings per Share		 $0.74 $0.90 $0.44 $0.00 $0.00 $0.71 $0.62 $0.25 $0.82 $0.55
Adjusted Weighted Average Diluted Shares Outstanding		 74.71M 74.95M 74.84M 0.00 0.00 74.96M 75.20M 89.77M 89.78M 87.91M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 74.71M 74.72M 74.99M 0.00 0.00 75.08M 89.77M 89.78M 89.78M 89.83M
Normalized Net Operating Profit after Tax (NOPAT)		 58 71 36 55 56 57 50 46 78 58
Normalized NOPAT Margin		 32.94% 37.44% 21.86% 31.34% 31.09% 31.01% 28.71% 21.90% 35.70% 26.45%
Pre Tax Income Margin		 39.68% 43.70% 26.34% 36.62% 36.61% 36.44% 34.53% 17.56% 42.37% 32.64%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.42 2.15 0.67 0.83 0.69 0.63 0.52 0.27 0.65 0.52
NOPAT to Interest Expense		 2.84 1.85 0.56 0.71 0.57 0.54 0.43 0.18 0.54 0.43
EBIT Less CapEx to Interest Expense		 3.42 2.15 0.67 0.83 0.69 0.63 0.52 0.27 0.65 0.52
NOPAT Less CapEx to Interest Expense		 2.84 1.85 0.56 0.71 0.57 0.54 0.43 0.18 0.54 0.43
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 46.06% 42.12% 44.16% 46.29% 47.20% 51.18% 48.58% 59.79% 56.35% 59.23%
Augmented Payout Ratio		 68.83% 62.68% 44.16% 46.29% 47.20% 51.18% 48.58% 59.79% 56.35% 59.23%

Frequently Asked Questions About Atlantic Union Bankshares' Financials

When does Atlantic Union Bankshares's fiscal year end?

According to the most recent income statement we have on file, Atlantic Union Bankshares' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Atlantic Union Bankshares' net income changed over the last 9 years?

Atlantic Union Bankshares' net income appears to be on an upward trend, with a most recent value of $209.13 million in 2024, rising from $67.08 million in 2015. The previous period was $201.82 million in 2023.

How has Atlantic Union Bankshares revenue changed over the last 9 years?

Over the last 9 years, Atlantic Union Bankshares' total revenue changed from $316.84 million in 2015 to $817.42 million in 2024, a change of 158.0%.

How much debt does Atlantic Union Bankshares have?

Atlantic Union Bankshares' total liabilities were at $21.44 billion at the end of 2024, a 15.2% increase from 2023, and a 220.1% increase since 2015.

How much cash does Atlantic Union Bankshares have?

In the past 9 years, Atlantic Union Bankshares' cash and equivalents has ranged from $111.32 million in 2015 to $216.38 million in 2022, and is currently $196.44 million as of their latest financial filing in 2024.

How has Atlantic Union Bankshares' book value per share changed over the last 9 years?

Over the last 9 years, Atlantic Union Bankshares' book value per share changed from 22.16 in 2015 to 35.01 in 2024, a change of 58.0%.


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This page (NASDAQ:AUBAP) was last updated on 4/22/2025 by MarketBeat.com Staff
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Warning: “DOGE Collapse” imminent
Elon Strikes Back You may already sense that the tide is turning against Elon Musk and DOGE. Just this week...
Altimetry | Sponsored
Trump Orders 'National Digital Asset Stockpile'
‘Digital Asset Reserve’ for THIS Coin??? Get all the details before this story gains even more traction
Crypto 101 Media | Sponsored
URGENT: Someone's Moving Gold Out of London...
People who don’t understand the gold market are about to lose a lot of money. Unfortunately, most so-called “g...
Golden Portfolio | Sponsored
Now I look stupid. Real stupid...
I thought what happened 25 years ago was a once- in-a-lifetime event… but how wrong I was. Because here we...
Porter & Company | Sponsored
Musk's warning signal: Prepare before the cascade begins
When Elon Musk triggered his AI layoff plan, most analysts missed what it really meant. Louis Navellier didn’t...
InvestorPlace | Sponsored
They Scared The Nation And Cashed in on Chaos
You weren’t supposed to notice what just happened. While the headlines screamed about tariffs and Trump, Wa...
American Hartford Gold | Sponsored