The earnings call highlighted the successful integration of the Sandy Spring acquisition, strong loan growth, improved net interest margin, and solid credit quality. However, there were challenges with merger accounting noise, seasonally slow deposit growth, and an elevated NPA percentage.

Company Guidance -

Q3 2025

During the Atlantic Union Bankshares second quarter 2025 earnings call, several key financial metrics and updates were highlighted. The loan-to-deposit ratio at quarter-end was approximately 88%, with a CET1 capital ratio of 9.8% and a bank-level CRE concentration ratio of 284%. The company's reported FTE net interest margin expanded by 38 basis points to 3.83%, and the core net interest margin improved by 8 basis points. Loan growth, adjusted for acquisition effects, was approximately 4.0% annualized quarter-over-quarter, surpassing internal expectations. Atlantic Union Bankshares projected year-end loan balances between $28 billion and $28.5 billion. The sale of $2 billion of commercial real estate loans from Sandy Spring Bank closed successfully, exceeding pricing estimates, which contributed to reducing the loan-to-deposit ratio and increasing growth capacity. Credit quality remained solid, with only 1 basis point of annualized net charge-offs and nonperforming assets comprising 0.60% of loans held for investment. The company revised its forecast for the 2025 net charge-off ratio to be between 15 and 20 basis points. Additionally, Atlantic Union Bankshares is planning an expansion into North Carolina by opening 10 new branches starting in 2026, while maintaining a focus on delivering sustainable growth and top-tier financial performance.

Successful Sandy Spring Bank Acquisition

The acquisition of Sandy Spring Bank closed on April 1, earlier than anticipated, and has been integrated smoothly, enhancing the company's earnings potential and cultural alignment.

Strong Loan Growth and Business Confidence

Loan growth was approximately 4.0% annualized quarter-over-quarter, exceeding internal expectations with a robust loan pipeline, indicating strong business confidence and anticipated solid growth in the second half of the year.

Improved Net Interest Margin

The reported FTE net interest margin expanded by 38 basis points to 3.83%, and the core net interest margin improved by 8 basis points.

Positive CRE Loan Sale Outcome

The sale of $2 billion of commercial real estate loans exceeded initial pricing estimates, reducing risk, lowering the loan-to-deposit ratio, and increasing capacity for future growth.

Credit Quality Remains Solid

Credit quality remained strong with only 1 basis point of annualized net charge-offs and low past due loans.

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

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AUB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.85 / -	0.83	―	―	―
Jun 30, 2025	2025 (Q2)	0.80 / 0.95	0.63	50.79% (+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	0.8	3.75% (+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	0.63	3.17% (+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	0.74	8.11% (+0.06)
Jul 25, 2023	2023 (Q2)	0.67 / 0.74	0.69	7.25% (+0.05)

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
Jun 30, 2025	$30.93	$30.94	+0.03%
Apr 24, 2025	$25.76	$25.87	+0.43%
Jan 23, 2025	$36.69	$35.43	-3.43%
Oct 21, 2024	$37.30	$34.80	-6.70%

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 Oct 27, 2025, Before Open (Confirmed).

What is Atlantic Union Bankshares Corporation (AUB) earnings time?

Atlantic Union Bankshares Corporation (AUB) earnings time is at Oct 27, 2025, 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 (Q3) is 0.85.

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