Atlantic Union Bankshares Corp
AUB NYSE State Commercial Banks Financials FY2016–FY2025
Last close · Oct 23, 2026
$39.89
0.5%
Revenue
Total sales reported in the income statement.
$1.4B
68.1%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
65.2%
3.1 pts
Net income
Profit after all expenses, interest and tax.
$274M
30.9%
Return on equity
Net income as a share of average shareholders' equity.
6.7%
0.6 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$5.7B
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
11.9x
On $3.34 EPS (TTM)
What Atlantic Union Bankshares Corp does
No business description yet.
- Legal name
- Atlantic Union Bankshares Corp
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Accession · CIK
- 0000883948-26-000021
0000883948
Revenue and margins
Atlantic Union Bankshares Corp had $1.4B of revenue in fiscal 2025, up 68.1% on the year before.
FY16
Revenue $324M
FY17
Revenue $341M
FY18
Revenue $531M
FY19
Revenue $671M
FY20
Revenue $687M
FY21
Revenue $677M
FY22
Revenue $703M
FY23
Revenue $702M
FY24
Revenue $817M
FY25
Revenue $1.4B
Q3 '23
Revenue $179M
Q4 '23
Revenue $184M
Q1 '24
Revenue $173M
Q2 '24
Revenue $208M
Q3 '24
Revenue $217M
Q4 '24
Revenue $218M
Q1 '25
Revenue $213M
Q2 '25
Revenue $403M
Q3 '25
Revenue $371M
Q4 '25
Revenue $387M
Q1 '26
Revenue $367M
Q2 '26
Revenue $415M
FY16
Net interest share 81.5%
Efficiency ratio 65.8%
FY17
Net interest share 81.7%
Efficiency ratio 66.1%
FY18
Net interest share 80.4%
Efficiency ratio 63.6%
FY19
Net interest share 80.2%
Efficiency ratio 62.4%
FY20
Net interest share 80.9%
Efficiency ratio 60.2%
FY21
Net interest share 81.4%
Efficiency ratio 61.9%
FY22
Net interest share 83.1%
Efficiency ratio 57.5%
FY23
Net interest share 87.1%
Efficiency ratio 61.3%
FY24
Net interest share 85.5%
Efficiency ratio 62.1%
FY25
Net interest share 84.0%
Efficiency ratio 65.2%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 84.9%
Efficiency ratio 60.6%
Q4 '23
Net interest share 83.7%
Efficiency ratio 58.8%
Q1 '24
Net interest share 85.3%
Efficiency ratio 60.7%
Q2 '24
Net interest share 88.6%
Efficiency ratio 72.0%
Q3 '24
Net interest share 84.2%
Efficiency ratio 56.4%
Q4 '24
Net interest share 83.9%
Efficiency ratio 59.4%
Q1 '25
Net interest share 86.3%
Efficiency ratio 62.9%
Q2 '25
Net interest share 79.8%
Efficiency ratio 69.4%
Q3 '25
Net interest share 86.0%
Efficiency ratio 64.3%
Q4 '25
Net interest share 85.3%
Efficiency ratio 62.8%
Q1 '26
Net interest share 85.1%
Efficiency ratio 57.1%
Q2 '26
Net interest share 78.3%
Efficiency ratio 47.9%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew 1.5% a year. Loss periods are shown in red.
FY16
Net income $77.5M
FY17
Net income $72.9M
FY18
Net income $146M
FY19
Net income $194M
FY20
Net income $158M
FY21
Net income $264M
FY22
Net income $235M
FY23
Net income $202M
FY24
Net income $209M
FY25
Net income $274M
Q3 '23
Net income $54.0M
Q4 '23
Net income $56.9M
Q1 '24
Net income $49.8M
Q2 '24
Net income $25.2M
Q3 '24
Net income $76.4M
Q4 '24
Net income $57.8M
Q1 '25
Net income $49.8M
Q2 '25
Net income $19.8M
Q3 '25
Net income $92.1M
Q4 '25
Net income $112M
Q1 '26
Net income $122M
Q2 '26
Net income $161M
FY16
Diluted EPS $1.77
FY17
Diluted EPS $1.67
FY18
Diluted EPS $2.22
FY19
Diluted EPS $2.41
FY20
Diluted EPS $1.93
FY21
Diluted EPS $3.26
FY22
Diluted EPS $2.97
FY23
Diluted EPS $2.53
FY24
Diluted EPS $2.24
FY25
Diluted EPS $2.03
Q3 '23
Diluted EPS $0.68
Q4 '23
Diluted EPS $0.71
Q1 '24
Diluted EPS $0.62
Q2 '24
Diluted EPS $0.25
Q3 '24
Diluted EPS $0.82
Q4 '24
Diluted EPS $0.55
Q1 '25
Diluted EPS $0.52
Q2 '25
Diluted EPS $0.12
Q3 '25
Diluted EPS $0.63
Q4 '25
Diluted EPS $0.76
Q1 '26
Diluted EPS $0.84
Q2 '26
Diluted EPS $1.11
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 7.7%
ROTE 11.4%
Efficiency ratio 65.8%
FY17
ROE 7.1%
ROTE 9.9%
Efficiency ratio 66.1%
FY18
ROE 9.8%
ROTE 12.7%
Efficiency ratio 63.6%
FY19
ROE 8.7%
ROTE 12.9%
Efficiency ratio 62.4%
FY20
ROE 6.1%
ROTE 8.9%
Efficiency ratio 60.2%
FY21
ROE 9.7%
ROTE 14.6%
Efficiency ratio 61.9%
FY22
ROE 9.2%
ROTE 15.7%
Efficiency ratio 57.5%
FY23
ROE 8.2%
ROTE 11.8%
Efficiency ratio 61.3%
FY24
ROE 7.3%
ROTE 10.7%
Efficiency ratio 62.1%
FY25
ROE 6.7%
ROTE 8.9%
Efficiency ratio 65.2%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Atlantic Union Bankshares Corp returned — to shareholders in fiscal 2025. The diluted share count rose 46.9%.
FY16
Dividends $33.7M
Buybacks $33.2M
FY17
Dividends $35.4M
Buybacks $0.0M
FY18
Dividends $58.0M
Buybacks $0.0M
FY19
Dividends $78.3M
Buybacks $80.3M
FY20
Dividends $78.9M
Buybacks $49.9M
FY21
Dividends $84.3M
Buybacks $125M
FY22
Dividends $86.9M
Buybacks $48.2M
FY23
Dividends —
Buybacks $0.0M
FY24
Dividends —
Buybacks $0.0M
FY25
Dividends —
Buybacks —
Dividends
Buybacks
Q3 '23
Dividends $22.5M
Buybacks $0.0M
Q4 '23
Dividends —
Buybacks $0.0M
Q1 '24
Dividends —
Buybacks —
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks —
Q4 '24
Dividends —
Buybacks —
Q1 '25
Dividends —
Buybacks —
Q2 '25
Dividends —
Buybacks —
Q3 '25
Dividends —
Buybacks —
Q4 '25
Dividends —
Buybacks —
Q1 '26
Dividends —
Buybacks —
Q2 '26
Dividends —
Buybacks —
Dividends
Buybacks
FY16
Diluted shares 0.04B
FY17
Diluted shares 0.04B
FY18
Diluted shares 0.07B
FY19
Diluted shares 0.08B
FY20
Diluted shares 0.08B
FY21
Diluted shares 0.08B
FY22
Diluted shares 0.07B
FY23
Diluted shares 0.07B
FY24
Diluted shares 0.09B
FY25
Diluted shares 0.13B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $6.3B
Deposits $6.4B
FY17
Loans $7.1B
Deposits $7.0B
FY18
Loans $9.7B
Deposits $10.0B
FY19
Loans $12.6B
Deposits $13.3B
FY20
Loans $13.9B
Deposits $15.7B
FY21
Loans $13.1B
Deposits $16.6B
FY22
Loans $14.3B
Deposits $15.9B
FY23
Loans —
Deposits $16.8B
FY24
Loans —
Deposits $20.4B
FY25
Loans —
Deposits $30.5B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $13.1B | $14.3B | — | — | — |
| Deposits | $16.6B | $15.9B | $16.8B | $20.4B | $30.5B |
| Loans / deposits | 78.8% | 90.0% | — | — | — |
| Total assets | $20.1B | $20.5B | $21.2B | $24.6B | $37.6B |
| Shareholders' equity | $2.7B | $2.4B | $2.6B | $3.1B | $5.0B |
| Goodwill | $936M | $925M | $925M | $1.2B | $1.7B |
| Intangible assets | $43.3M | $26.8M | $19.2M | $84.6M | $316M |
| Provision / loans | −0.5% | 0.1% | — | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $324M | $341M | $531M | $671M | $687M | $677M | $703M | $702M | $817M | $1.4B |
| Net interest income | $264M | $279M | $427M | $538M | $555M | $551M | $584M | $611M | $699M | $1.2B |
| Noninterest income | $59.8M | $62.4M | $104M | $133M | $131M | $126M | $119M | $90.9M | $119M | $219M |
| Noninterest expense | $213M | $226M | $338M | $418M | $413M | $419M | $404M | $430M | $508M | $896M |
| Provision for credit losses | $8.9M | $10.8M | $13.7M | $21.1M | $87.1M | −$60.9M | $19.0M | $31.6M | $50.1M | $142M |
| Interest expense | $29.8M | $50.0M | $102M | $161M | $98.2M | $41.1M | $76.2M | $343M | — | — |
| Pretax income | $102M | $105M | $179M | $231M | $186M | $319M | $280M | $240M | $260M | $337M |
| Income tax | $25.9M | $32.8M | $30.0M | $37.6M | $28.1M | $54.8M | $45.4M | $38.1M | $50.7M | $63.3M |
| Net income | $77.5M | $72.9M | $146M | $194M | $158M | $264M | $235M | $202M | $209M | $274M |
| Net income to common | $77.5M | $72.9M | $146M | $194M | $153M | $252M | $223M | $190M | $197M | $262M |
| Diluted EPS | $1.77 | $1.67 | $2.22 | $2.41 | $1.93 | $3.26 | $2.97 | $2.53 | $2.24 | $2.03 |
| Diluted shares | 0.04B | 0.04B | 0.07B | 0.08B | 0.08B | 0.08B | 0.07B | 0.07B | 0.09B | 0.13B |
| Cash flow | ||||||||||
| Cash from operations | $93.8M | $110M | $217M | $195M | $232M | $338M | $420M | $278M | $308M | $2.2B |
| Depreciation and amortization | $10.2M | $11.2M | $13.7M | $15.0M | $15.2M | $15.9M | $14.2M | $12.9M | $12.8M | $17.7M |
| Stock-based compensation | $3.3M | $4.6M | $6.1M | $8.3M | $9.3M | $10.1M | $10.6M | $11.1M | $13.8M | $23.7M |
| Share buybacks | $33.2M | $0.0M | $0.0M | $80.3M | $49.9M | $125M | $48.2M | $0.0M | $0.0M | — |
| Dividends paid | $33.7M | $35.4M | $58.0M | $78.3M | $78.9M | $84.3M | $86.9M | — | — | — |
| Dividends and buybacks | $66.8M | $35.4M | $58.0M | $159M | $129M | $209M | $135M | $0.0M | $0.0M | — |
| Balance sheet | ||||||||||
| Cash and short-term investments | $179M | $199M | $261M | $436M | $493M | $803M | $320M | $378M | $354M | $966M |
| Total debt | $990M | $1.2B | $1.8B | $1.5B | $841M | $507M | $1.7B | $1.3B | $535M | $1.5B |
| Finance lease liabilities | — | — | — | — | $10.6M | $9.5M | $8.3M | $7.1M | $5.8M | $10.9M |
| Loans, net | $6.3B | $7.1B | $9.7B | $12.6B | $13.9B | $13.1B | $14.3B | — | — | — |
| Deposits | $6.4B | $7.0B | $10.0B | $13.3B | $15.7B | $16.6B | $15.9B | $16.8B | $20.4B | $30.5B |
| Property and equipment, net | $122M | $120M | $147M | $161M | $164M | $135M | $118M | $91.0M | $113M | $167M |
| Goodwill | $298M | $299M | $727M | $936M | $936M | $936M | $925M | $925M | $1.2B | $1.7B |
| Intangible assets | $20.6M | $14.8M | $48.7M | $73.7M | $57.2M | $43.3M | $26.8M | $19.2M | $84.6M | $316M |
| Total assets | $8.4B | $9.3B | $13.8B | $17.6B | $19.6B | $20.1B | $20.5B | $21.2B | $24.6B | $37.6B |
| Total liabilities | $7.4B | $8.3B | $11.8B | $15.0B | $16.9B | $17.4B | $18.1B | $18.6B | $21.4B | $32.6B |
| Preferred stock | — | — | — | $0.0M | $0.2M | $0.2M | $0.2M | $0.2M | $0.2M | $0.2M |
| Shareholders' equity | $1.0B | $1.0B | $1.9B | $2.5B | $2.7B | $2.7B | $2.4B | $2.6B | $3.1B | $5.0B |
| Margins | ||||||||||
| Net margin | 23.9% | 21.4% | 27.5% | 28.9% | 23.0% | 39.0% | 33.4% | 28.8% | 25.6% | 19.9% |
| Net interest share of revenue | 81.5% | 81.7% | 80.4% | 80.2% | 80.9% | 81.4% | 83.1% | 87.1% | 85.5% | 84.0% |
| Efficiency ratio | 65.8% | 66.1% | 63.6% | 62.4% | 60.2% | 61.9% | 57.5% | 61.3% | 62.1% | 65.2% |
| Returns | ||||||||||
| Return on equity | 7.7% | 7.1% | 9.8% | 8.7% | 6.1% | 9.7% | 9.2% | 8.2% | 7.3% | 6.7% |
| Return on assets | 0.9% | 0.8% | 1.3% | 1.2% | 0.9% | 1.3% | 1.2% | 1.0% | 0.9% | 0.9% |
| Return on tangible equity | 11.4% | 9.9% | 12.7% | 12.9% | 8.9% | 14.6% | 15.7% | 11.8% | 10.7% | 8.9% |
| Growth | ||||||||||
| Revenue growth | — | 5.4% | 55.5% | 26.3% | 2.4% | −1.4% | 3.8% | −0.1% | 16.5% | 68.1% |
| Net income growth | — | −5.9% | 100.6% | 32.3% | −18.2% | 66.8% | −11.1% | −13.9% | 3.6% | 30.9% |
| EPS growth | — | −5.6% | 32.9% | 8.6% | −19.9% | 68.9% | −8.9% | −14.8% | −11.5% | −9.4% |
| Share count change | — | −0.3% | 50.5% | 21.8% | −1.7% | −1.8% | −3.2% | 0.0% | 17.3% | 46.9% |
| Financial health | ||||||||||
| Debt / equity | 1.0x | 1.2x | 0.9x | 0.6x | 0.3x | 0.2x | 0.7x | 0.5x | 0.2x | 0.3x |
| Loans / deposits | 98.3% | 101.6% | 97.0% | 94.5% | 88.2% | 78.8% | 90.0% | — | — | — |
| Provision / loans | 0.1% | 0.2% | 0.1% | 0.2% | 0.6% | −0.5% | 0.1% | — | — | — |
| Capital allocation | ||||||||||
| Stock comp / revenue | 1.0% | 1.4% | 1.2% | 1.2% | 1.3% | 1.5% | 1.5% | 1.6% | 1.7% | 1.7% |
| Quality scores | ||||||||||
| Piotroski F-score | — | 4.0 | 6.0 | 5.0 | 5.0 | 6.0 | 5.0 | 4.0 | 5.0 | 4.0 |
| Accruals ratio | −0.2% | −0.4% | −0.6% | −0.0% | −0.4% | −0.4% | −0.9% | −0.4% | −0.4% | −6.3% |
Source: SEC EDGAR XBRL filings (CIK 0000883948). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.