Atlantic Union Bankshares (AUBAP) Financials

$25.09 +0.05 (+0.20%)

As of 08/4/2025

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	55	68	33	52	51	54	47	22	73	55	47
Consolidated Net Income / (Loss)	58	71	36	55	54	57	50	25	76	58	50
Net Income / (Loss) Continuing Operations	58	71	36	55	54	57	50	25	76	58	50
Total Pre-Tax Income	70	82	43	65	66	67	60	37	92	71	62
Total Revenue	176	188	163	176	179	184	173	208	217	218	213
Net Interest Income / (Expense)	151	164	153	152	152	154	148	185	183	183	184
Total Interest Income	171	202	218	230	247	259	263	321	325	319	306
Loans and Leases Interest Income	145	173	190	205	221	230	235	285	291	282	272
Investment Securities Interest Income	26	27	26	24	24	27	27	33	32	31	32
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	2.51
Total Interest Expense	20	38	64	78	95	106	115	136	142	136	122
Deposits Interest Expense	15	30	52	65	84	96	102	123	130	129	116
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	0.91
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	5.18
Total Non-Interest Income	26	25	9.63	24	27	30	26	24	34	35	29
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	9.68
Other Service Charges	15	14	12	13	43	18	14	17	19	22	16
Net Realized & Unrealized Capital Gains on Investments	-	-	-13	0.00	-28	0.00	0.00	-6.52	0.00	0.02	-0.10
Other Non-Interest Income	3.45	2.65	2.83	2.87	2.97	3.09	3.25	3.79	5.04	3.56	3.54
Provision for Credit Losses	6.41	6.26	12	6.07	4.99	8.71	8.24	22	2.60	17	18
Total Non-Interest Expense	100	100	108	106	109	108	105	150	123	130	134
Salaries and Employee Benefits	57	59	61	62	57	57	62	69	69	71	75
Net Occupancy & Equipment Expense	18	20	18	18	17	18	18	22	21	21	23
Marketing Expense	2.34	2.23	2.35	2.82	2.22	3.02	2.32	2.98	3.31	3.52	3.18
Property & Liability Insurance Claims	3.09	1.90	3.90	4.07	4.26	7.63	5.14	4.68	5.28	5.16	5.20
Other Operating Expenses	17	15	21	16	23	19	16	16	16	14	17
Amortization Expense	2.48	2.38	2.28	2.22	2.19	2.09	1.90	6.00	5.80	5.61	5.40
Restructuring Charge	-	-	-	0.00	1.99	-	-	30	1.35	-	4.94
Income Tax Expense	12	12	7.29	9.31	12	9.96	10	11	16	14	12
Preferred Stock Dividends Declared	2.97	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	$0.53
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	89.22M
Diluted Earnings per Share	$0.74	$0.90	$0.44	$0.70	$0.68	$0.71	$0.62	$0.25	$0.82	$0.55	$0.52
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	90.07M
Weighted Average Basic & Diluted Shares Outstanding	74.71M	74.72M	74.99M	-	-	75.08M	89.77M	89.78M	89.78M	89.83M	142.47M
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	$0.34

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	150	-71	52	56	-29	-21	19	49	82	-174	80
Net Cash From Operating Activities	128	93	63	73	89	53	57	86	68	98	62
Net Cash From Continuing Operating Activities	128	93	63	73	89	53	57	86	68	98	62
Net Income / (Loss) Continuing Operations	58	71	36	55	54	57	50	25	76	58	50
Consolidated Net Income / (Loss)	58	71	36	55	54	57	50	25	76	58	50
Provision For Loan Losses	6.41	6.26	12	6.07	4.99	8.71	8.24	22	2.60	17	18
Depreciation Expense	11	11	9.84	9.57	8.70	13	9.50	8.40	8.70	8.71	9.33
Amortization Expense	1.26	1.03	1.29	1.26	0.98	1.26	2.87	23	-40	-6.98	-7.16
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	-3.89
Changes in Operating Assets and Liabilities, net	48	-15	-3.60	6.22	19	-23	-4.65	2.67	23	-9.55	-3.71
Net Cash From Investing Activities	-242	-563	403	-468	-168	-370	-215	-167	99	-12	9.64
Net Cash From Continuing Investing Activities	-242	-563	403	-468	-168	-370	-215	-167	99	-12	9.64
Purchase of Investment Securities	-342	-658	-206	-563	-522	-467	-338	-759	-70	-143	-112
Sale and/or Maturity of Investments	100	82	609	95	308	86	124	537	169	124	122
Net Cash From Financing Activities	263	399	-413	452	49	296	176	131	-84	-260	8.39
Net Cash From Continuing Financing Activities	263	399	-413	452	49	296	176	131	-84	-260	8.39
Net Change in Deposits	418	-615	524	-44	375	32	460	138	303	92	105
Issuance of Debt	-129	-	-910	521	-300	-	-254	25	-356	-	-59
Issuance of Common Equity	0.04	0.03	0.47	-	0.09	0.22	0.23	-	-	0.00	0.00
Payment of Dividends	-25	-25	-25	-25	-25	-27	-27	-32	-32	-33	-34
Other Financing Activities, Net	-0.15	-0.17	-2.12	-0.08	-0.19	-0.11	-2.68	-0.96	-0.11	-0.21	-3.68
Cash Interest Paid	18	37	59	77	89	102	109	134	138	135	119
Cash Income Taxes Paid	0.29	0.40	-	-	15	4.00	-	-	0.27	0.20	0.70

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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	Q1 2025
Period end date	9/30/2022	3/31/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	19,950	20,103	21,378	24,761	24,804	24,633
Cash and Due from Banks	178	187	169	233	232	194
Federal Funds Sold	1.19	0.72	2.43	5.82	4.69	3.96
Interest Bearing Deposits at Other Banks	212	184	225	207	291	236
Trading Account Securities	3,559	3,108	3,031	3,366	3,415	3,305
Loans and Leases, Net of Allowance	13,811	14,468	15,715	18,189	18,177	18,234
Loans and Leases	13,919	14,584	15,852	18,347	18,337	18,428
Allowance for Loan and Lease Losses	108	117	136	158	161	194
Loans Held for Sale	13	14,482	12	13	11	9.53
Premises and Equipment, Net	126	116	90	115	115	112
Goodwill	925	925	925	1,207	1,213	1,214
Intangible Assets	29	24	17	96	90	79
Other Assets	1,096	1,075	1,190	1,329	1,255	1,245
Total Liabilities & Shareholders' Equity	19,950	20,103	21,378	24,761	24,804	24,633
Total Liabilities	17,669	17,663	18,829	21,718	21,621	21,447
Non-Interest Bearing Deposits	5,291	4,578	3,845	4,527	4,423	4,471
Interest Bearing Deposits	11,255	11,878	13,433	15,474	15,882	16,032
Short-Term Debt	280	409	666	790	434	57
Long-Term Debt	390	390	391	417	418	419
Other Long-Term Liabilities	453	408	493	510	464	469
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	2,281	2,440	2,549	3,044	3,182	3,185
Total Preferred & Common Equity	2,281	2,440	2,549	3,044	3,182	3,185
Preferred Stock	0.17	0.17	0.17	0.17	0.17	0.17
Total Common Equity	2,281	2,440	2,549	3,044	3,182	3,185
Common Stock	1,869	1,872	1,882	2,392	2,396	2,399
Retained Earnings	874	930	1,041	1,034	1,079	1,120
Accumulated Other Comprehensive Income / (Loss)	-462	-362	-374	-383	-292	-334

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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%

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	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	5.30%	15.89%	1.23%	-0.44%	1.55%	-2.57%	6.32%	18.19%	21.33%	19.06%	23.04%
EBITDA Growth	-19.66%	66.07%	-18.13%	-12.20%	-8.83%	-14.11%	33.58%	-9.75%	-19.57%	-9.81%	-11.85%
EBIT Growth	-23.06%	88.83%	-18.91%	-13.62%	-6.33%	-18.75%	39.39%	-43.32%	40.43%	6.64%	2.74%
NOPAT Growth	-22.12%	47.60%	-18.40%	-11.23%	-6.98%	-19.31%	39.59%	-54.45%	41.46%	1.54%	0.10%
Net Income Growth	-22.12%	47.60%	-18.40%	-11.23%	-6.98%	-19.31%	39.59%	-54.45%	41.46%	1.54%	0.10%
EPS Growth	-21.28%	50.00%	-18.52%	-11.39%	-8.11%	-21.11%	40.91%	-64.29%	20.59%	-22.54%	-16.13%
Operating Cash Flow Growth	24.45%	-5.13%	-43.91%	-17.00%	-29.99%	-42.55%	-8.79%	17.54%	-24.47%	84.44%	8.81%
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%	98.61%
Invested Capital Growth	-4.20%	26.88%	7.89%	0.00%	0.00%	-5.22%	11.35%	0.00%	0.00%	-4.93%	1.50%
Revenue Q/Q Growth	-0.43%	6.83%	-13.42%	8.10%	1.56%	2.50%	0.00%	20.17%	4.26%	0.58%	-2.36%
EBITDA Q/Q Growth	-3.91%	14.27%	-42.63%	39.39%	-0.22%	7.65%	0.00%	-5.82%	-11.07%	20.71%	-12.80%
EBIT Q/Q Growth	-6.37%	17.63%	-47.82%	50.30%	1.53%	2.03%	0.00%	-38.88%	151.53%	-22.52%	-13.75%
NOPAT Q/Q Growth	-6.68%	21.45%	-49.45%	54.94%	-2.22%	5.35%	0.00%	-49.44%	203.70%	-24.38%	-13.79%
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%	-13.79%
EPS Q/Q Growth	-6.33%	21.62%	-51.11%	59.09%	-2.86%	4.41%	0.00%	-59.68%	228.00%	-32.93%	-5.45%
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%	-36.89%
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%	-101.78%
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%	-0.45%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	46.79%	50.05%	33.16%	42.76%	42.01%	44.13%	41.66%	32.65%	27.85%	33.43%	29.85%
EBIT Margin	39.68%	43.70%	26.34%	36.62%	36.61%	36.44%	34.53%	17.56%	42.37%	32.64%	28.83%
Profit (Net Income) Margin	32.94%	37.44%	21.86%	31.34%	30.17%	31.01%	28.71%	12.08%	35.18%	26.45%	23.35%
Tax Burden Percent	83.00%	85.69%	83.02%	85.58%	82.42%	85.10%	83.14%	68.76%	83.03%	81.04%	81.00%
Interest Burden Percent	100.00%	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%	19.00%
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%	5.51%
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%	5.51%
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%	1.47%
Return on Equity (ROE)	8.96%	10.35%	6.24%	0.00%	0.00%	8.83%	8.20%	5.91%	17.30%	7.59%	6.98%
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%	4.26%
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%	1.07%
Return on Assets (ROA)	1.12%	1.30%	0.77%	0.00%	0.00%	1.05%	0.99%	0.36%	1.11%	0.95%	0.87%
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%	6.98%
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%	6.57%
Net Operating Profit after Tax (NOPAT)	58	71	36	55	54	57	50	25	76	58	50
NOPAT Margin	32.94%	37.44%	21.86%	31.34%	30.17%	31.01%	28.71%	12.08%	35.18%	26.45%	23.35%
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%	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%	47.48%
Operating Expenses to Revenue	56.68%	52.98%	66.40%	59.94%	60.61%	58.82%	60.72%	72.00%	56.43%	59.35%	62.90%
Earnings before Interest and Taxes (EBIT)	70	82	43	65	66	67	60	37	92	71	62
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	82	94	54	75	75	81	72	68	60	73	64
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	0.88
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	1.48
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	3.26
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	14.18
Dividend Yield	4.08%	4.52%	4.48%	6.06%	5.42%	3.49%	3.58%	3.87%	3.40%	3.46%	4.24%
Earnings Yield	9.59%	9.23%	8.70%	11.19%	9.80%	0.00%	0.00%	5.95%	5.81%	5.85%	7.05%
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	0.78
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	3.31
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	10.70
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	10.86
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	13.57
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	9.06
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	18.32
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	0.15
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	0.13
Financial Leverage	0.21	0.44	0.26	0.00	0.00	0.61	0.37	0.40	0.27	0.32	0.27
Leverage Ratio	8.02	7.97	8.08	0.00	0.00	8.45	8.31	8.14	7.79	8.03	8.02
Compound Leverage Factor	8.02	7.97	8.08	0.00	0.00	8.45	8.31	8.14	7.79	8.03	8.02
Debt to Total Capital	22.69%	41.87%	24.66%	0.00%	0.00%	33.91%	29.33%	28.39%	21.12%	14.54%	12.99%
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%	1.56%
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%	11.44%
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%	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%	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%	87.00%
Debt to EBITDA	2.30	5.20	2.52	0.00	0.00	4.59	3.48	4.07	3.02	1.95	1.79
Net Debt to EBITDA	0.96	4.23	1.35	0.00	0.00	3.27	2.18	2.57	1.15	0.66	0.16
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	1.58
Debt to NOPAT	3.16	7.29	3.53	0.00	0.00	6.50	4.90	6.49	4.09	2.56	2.27
Net Debt to NOPAT	1.32	5.92	1.88	0.00	0.00	4.63	3.06	4.09	1.56	0.86	0.20
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	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%	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	-4.43
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%	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	-0.04
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	0.51
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	0.51
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.04	0.00	0.00	0.03	0.03	0.03	0.03	0.04	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	8.49
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	3,661
Invested Capital Turnover	0.22	0.19	0.23	0.00	0.00	0.18	0.21	0.35	0.39	0.22	0.24
Increase / (Decrease) in Invested Capital	-129	865	237	-3,189	-2,951	-213	368	4,250	4,035	-191	54
Enterprise Value (EV)	2,364	3,802	2,895	0.00	0.00	0.00	0.00	3,684	3,706	3,551	2,839
Market Capitalization	2,085	2,413	2,468	1,855	2,077	0.00	0.00	2,923	3,382	3,370	2,797
Book Value per Share	$30.53	$31.76	$32.66	$0.00	$0.00	$34.10	$33.89	$33.90	$35.44	$35.01	$35.46
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	$21.06
Total Capital	2,951	4,081	3,239	0.00	0.00	3,868	3,607	4,250	4,035	3,677	3,661
Total Debt	670	1,709	799	0.00	0.00	1,312	1,058	1,207	852	535	476
Total Long-Term Debt	390	390	390	0.00	0.00	391	391	417	418	418	419
Net Debt	279	1,389	427	0.00	0.00	934	661	761	324	181	42
Capital Expenditures (CapEx)	0.00	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	0.00
Net Nonoperating Obligations (NNO)	670	1,709	799	0.00	0.00	1,312	1,058	1,207	852	535	476
Total Depreciation and Amortization (D&A)	13	12	11	11	9.68	14	12	31	-32	1.72	2.17
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	$0.53
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	89.22M
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	$0.52
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	90.07M
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	$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	142.47M
Normalized Net Operating Profit after Tax (NOPAT)	58	71	36	55	56	57	50	46	78	58	54
Normalized NOPAT Margin	32.94%	37.44%	21.86%	31.34%	31.09%	31.01%	28.71%	21.90%	35.70%	26.45%	25.23%
Pre Tax Income Margin	39.68%	43.70%	26.34%	36.62%	36.61%	36.44%	34.53%	17.56%	42.37%	32.64%	28.83%
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	0.51
NOPAT to Interest Expense	2.84	1.85	0.56	0.71	0.57	0.54	0.43	0.18	0.54	0.43	0.41
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	0.51
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	0.41
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%	62.33%
Augmented Payout Ratio	68.83%	62.68%	44.16%	46.29%	47.20%	51.18%	48.58%	59.79%	56.35%	59.23%	62.33%

Key Financial Trends

Atlantic Union Bankshares (NASDAQ:AUB) has demonstrated consistent financial performance over the past 4 years, with key financial trends observed in its quarterly statements from Q3 2022 through Q1 2025.

Revenue and Income Trends:

Net interest income increased from approximately $150.7 million in Q3 2022 to about $184.2 million in Q1 2025, indicating improved core lending profitability.
Total revenue grew from $176.3 million in Q3 2022 to $213.3 million in Q1 2025, reflecting both interest and non-interest income growth.
Net income attributable to common shareholders rose from $52.3 million in Q3 2022 to $46.9 million in Q1 2025; while Q1 2025 is lower than some prior quarters, the company showed strong earnings stability.
Diluted earnings per share in Q1 2025 were $0.52, compared to $0.82 in Q3 2024 and $0.68 in Q4 2023, indicating some EPS variability related to share count and earnings fluctuations.
Provision for credit losses has fluctuated significantly, reaching as high as $21.8 million in Q2 2024, which suggests ongoing credit risk considerations for the bank.

Expenses and Cost Management:

Total non-interest expenses increased from about $99.9 million in Q3 2022 to $134.2 million in Q1 2025, driven by higher salaries, occupancy, and restructuring costs, which may pressure margins.
Restructuring charges spiked to $29.8 million in Q2 2024, a notable fact indicating ongoing operational realignments.

Balance Sheet and Capital Structure:

Total assets have grown from approximately $19.95 billion in Q3 2022 to $24.63 billion in Q1 2025, demonstrating expansion and asset growth.
Loans and leases grew steadily, net of allowances, from about $13.81 billion in Q3 2022 to $18.23 billion in Q1 2025, signaling strong lending activity.
Allowance for loan and lease losses increased from $108 million in Q3 2022 to $194 million in Q1 2025, aligning with credit risk management practices.
Total common equity rose from $2.28 billion in Q3 2022 to $3.19 billion in Q1 2025, reflecting internal capital generation and equity strength.
Short-term debt increased substantially from roughly $280 million in Q3 2022 to $57 million in Q1 2025; however, note some fluctuations and a sizable jump in Q2 2024 Q2 with subsequent decreases.

Cash Flow Highlights:

Consistent positive net cash from operating activities was maintained throughout, with $62 million generated in Q1 2025, indicative of solid operational cash flow.
Significant investing cash outflows were observed, particularly related to investment securities purchases, such as $112 million in Q1 2025, reflecting investment activity.
Financing activities show fluctuating cash flow with dividends paid maintaining a steady range (~$26-$34 million quarterly), supporting shareholder returns.

Summary:

Atlantic Union Bankshares exhibits steady growth in core interest income, strong asset growth, and expanding equity capital over the analyzed period. Earnings have been generally stable with some variability in credit loss provisions and earnings per share. The increase in expenses and restructuring costs could impact profitability if not managed effectively. Cash flow generation remains positive, and dividend payments continue consistently, supporting shareholder value. Monitoring credit loss provisions and expense control will be critical going forward.

08/07/25 01:10 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Atlantic Union Bankshares' Financials

When does Atlantic Union Bankshares' financial year end?

According to the most recent income statement we have on file, Atlantic Union Bankshares' fiscal year ends in December. Their fiscal 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 8/7/2025 by MarketBeat.com Staff

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Atlantic Union Bankshares (AUBAP) Financials

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Atlantic Union Bankshares (AUBAP) Financials

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