AUB · Atlantic Union Bankshares Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $17.74M | $12.75M | $12.91M | $14.16M | $15.88M | $15.22M |
| Operating Income | $336.99M | $259.79M | $239.90M | $279.95M | $318.76M | $186.29M |
| Interest Expense | - | - | $343.44M | $76.17M | $41.10M | $98.16M |
| Income Tax | $63.28M | $50.66M | $38.08M | $45.44M | $54.84M | $28.07M |
| Net Income | $273.71M | $209.13M | $201.82M | $234.51M | $263.92M | $158.23M |
| EPS - Basic | $2.03 | $2.29 | $2.53 | $2.97 | $3.26 | $1.93 |
| EPS - Diluted | $2.03 | $2.24 | $2.53 | $2.97 | $3.26 | $1.93 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $966.46M | $354.07M | $378.13M | $319.95M | $802.50M | $493.29M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $37.59B | $24.59B | $21.17B | $20.46B | $20.06B | $19.63B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $771.86M | $418.30M | $391.02M | $389.86M | $388.72M | $489.83M |
| Total Liabilities | $32.58B | $21.44B | $18.61B | $18.09B | $17.35B | $16.92B |
| Stockholders' Equity | $5.01B | $3.14B | $2.56B | $2.37B | $2.71B | $2.71B |
| Retained Earnings | $1.18B | $1.10B | $1.02B | $919.54M | $783.79M | $616.05M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.24B | $308.46M | $263.97M | $403.96M | $337.79M | $231.92M |
| Investing Cash Flow | ($797.42M) | ($295.69M) | ($589.21M) | ($1.26B) | ($345.44M) | ($1.92B) |
| Financing Cash Flow | ($827.58M) | ($36.83M) | $383.42M | $375.18M | $316.86M | $1.74B |
| CapEx | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 18.8% | 19.5% | 15.9% | 16.2% | 17.2% | 15.1% |
| Return on assets | 0.7% | 0.9% | 1.0% | 1.1% | 1.3% | 0.8% |
| Return on equity | 5.5% | 6.7% | 7.9% | 9.9% | 9.7% | 5.8% |
| Return on invested capital | 4.7% | 5.9% | 6.8% | 8.5% | 8.5% | 4.9% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.15 | 0.13 | 0.15 | 0.16 | 0.14 | 0.18 |
| Debt / Assets | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Debt / EBITDA | 2.18 | 1.53 | 1.55 | 1.33 | 1.16 | 2.43 |
| Interest coverage | - | - | 0.7x | 3.7x | 7.8x | 1.9x |
| Equity multiplier | 7.51 | 7.82 | 8.28 | 8.62 | 7.40 | 7.25 |
| Liabilities / Assets | 0.87 | 0.87 | 0.88 | 0.88 | 0.86 | 0.86 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 17.4x | 16.9x | 14.4x | 11.8x | 11.4x | 17.1x |
| P / B | 0.9x | 1.1x | 1.1x | 1.1x | 1.1x | 1.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 12.3x | 12.5x | 10.9x | 9.2x | 7.4x | 12.9x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 29.7% | 8.3% | -14.3% | -12.2% | 71.1% | -19.4% |
| Net income growth (YoY) | 30.9% | 3.6% | -13.9% | -11.1% | 66.8% | -18.2% |
| EPS growth (YoY) | -9.4% | -11.5% | -14.8% | -8.9% | 68.9% | -19.9% |
| EPS CAGR (3y) | -11.9% | -11.8% | 9.4% | 7.2% | 13.7% | 4.9% |
| EPS CAGR (5y) | 1.0% | -1.5% | 2.6% | 12.2% | 13.0% | 5.3% |
| FCF growth (YoY) | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | 59.3% | 22.9% | 7.7% | -12.4% | 0.1% | 7.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2020-12-31.
Product / service
$62.38M totalOverdraft Fees Net$17.79M · 28.5%
Trust Asset Management Fees$10.80M · 17.3%
Registered Advisor Management Fees Net$8.66M · 13.9%
Maintenance Fees Other$7.46M · 12.0%
Interchange Fees Net$7.18M · 11.5%
Financial Service Other$6.29M · 10.1%
Brokerage Management Fees Net$4.19M · 6.7%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing Atlantic Union Bankshares Corp against the 5 most active filers in the same SIC group.
Dividends
$1.45/share trailing 12 months · +8.2% YoY
| Ex-date | Per share |
|---|---|
| May 22, 2026 | $0.3700 |
| Feb 13, 2026 | $0.3700 |
| Nov 14, 2025 | $0.3700 |
| Aug 4, 2025 | $0.3400 |
| May 23, 2025 | $0.3400 |
| Feb 14, 2025 | $0.3400 |
| Nov 8, 2024 | $0.3400 |
| Aug 9, 2024 | $0.3200 |
| May 23, 2024 | $0.3200 |
| Feb 8, 2024 | $0.3200 |
| Nov 9, 2023 | $0.3200 |
| Aug 10, 2023 | $0.3000 |
| May 18, 2023 | $0.3000 |
| Feb 9, 2023 | $0.3000 |
| Nov 9, 2022 | $0.3000 |
| Aug 11, 2022 | $0.3000 |
| May 19, 2022 | $0.2800 |
| Feb 10, 2022 | $0.2800 |
| Nov 10, 2021 | $0.2800 |
| Aug 12, 2021 | $0.2800 |
| May 20, 2021 | $0.2800 |
| Feb 11, 2021 | $0.2500 |
| Nov 12, 2020 | $0.2500 |
| Aug 6, 2020 | $0.2500 |