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Atlantic Union Bankshares Corporation (AUB)
NYSE:AUB
US Market
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Atlantic Union Bankshares (AUB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 27, 2026
Before Open (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.86
Last Year’s EPS
0.67
Same Quarter Last Year
Based on 5 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Sep 30, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call conveyed a generally positive sentiment with a successful integration of Sandy Spring, strong fee income, and improved credit quality. However, challenges such as merger-related costs, increased charge-offs, and competition in lending markets were also noted.
Company Guidance
During the Atlantic Union Bankshares Third Quarter 2025 Earnings Conference Call, management provided guidance regarding several financial metrics. The company reported a steady net interest margin of 3.83% despite a decrease in accretion income, with expectations for the margin to improve in the fourth quarter. Loan growth was modest at approximately 0.5% annualized for the quarter, but average loan growth was stronger at 4.3% annualized. The company expects year-end loan balances to be between $27.7 billion and $28 billion. Deposits decreased by approximately $306.9 million, but noninterest-bearing deposits grew by about 4% annualized. The adjusted operating return on tangible common equity was 20.1%, and the adjusted operating return on assets was 1.3%. The company reaffirmed its full-year net charge-off ratio guidance of 15 to 20 basis points and noted improvements in credit quality metrics, including a decrease in nonperforming assets to 0.49% of loans held for investment. Looking ahead, the company expects to achieve its cost savings targets from the Sandy Spring acquisition and maintain a strong financial performance into 2026.
Successful Sandy Spring Integration
The integration of Sandy Spring is progressing smoothly with the core systems conversion completed and the closure of 5 overlapping branches. The bank is now unified under the Atlantic Union Bank brand.
Loan and Deposit Growth
Quarterly loan growth was approximately 0.5% annualized, with average loan growth quarter-over-quarter at 4.3% annualized. Noninterest-bearing deposits grew at approximately 4% annualized in the third quarter.
Improvement in Credit Quality
Credit quality improved with third quarter nonperforming assets at 0.49% of loans, and criticized asset levels decreased by over $250 million or 16%.
Steady Net Interest Margin
The reported FTE net interest margin remained steady at 3.83%, with an improvement excluding accretion income impacts.
Strong Fee Income
Fee income was strong, with approximately $1 million of swap income attributed to the former Sandy Spring Bank, and increased wealth management opportunities.

Atlantic Union Bankshares (AUB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

AUB Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 27, 2026
2025 (Q4)
0.86 / -
0.67
Sep 30, 2025
2025 (Q3)
0.84 / 0.84
0.831.20% (+0.01)
Jun 30, 2025
2025 (Q2)
0.80 / 0.95
0.6350.79% (+0.32)
Apr 24, 2025
2025 (Q1)
0.71 / 0.57
0.65-12.31% (-0.08)
Jan 23, 2025
2024 (Q4)
0.77 / 0.67
0.78-14.10% (-0.11)
Oct 21, 2024
2024 (Q3)
0.81 / 0.83
0.83.75% (+0.03)
Jul 25, 2024
2024 (Q2)
0.64 / 0.63
0.74-14.86% (-0.11)
Apr 23, 2024
2024 (Q1)
0.72 / 0.65
0.633.17% (+0.02)
Jan 23, 2024
2023 (Q4)
0.75 / 0.78
0.9-13.33% (-0.12)
Oct 19, 2023
2023 (Q3)
0.74 / 0.80
0.748.11% (+0.06)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

AUB Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Sep 30, 2025
$35.20$34.89-0.88%
Jun 30, 2025
$30.58$30.59+0.03%
Apr 24, 2025
$25.47$25.58+0.43%
Jan 23, 2025
$36.28$35.03-3.45%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Atlantic Union Bankshares Corporation (AUB) report earnings?
Atlantic Union Bankshares Corporation (AUB) is schdueled to report earning on Jan 27, 2026, Before Open (Confirmed).
    What is Atlantic Union Bankshares Corporation (AUB) earnings time?
    Atlantic Union Bankshares Corporation (AUB) earnings time is at Jan 27, 2026, Before Open (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is AUB EPS forecast?
          AUB EPS forecast for the fiscal quarter 2025 (Q4) is 0.86.
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