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Sep 30
Atlantic Union Q3 2025 Earnings Report
Atlantic Union Bankshares reported solid third quarter financial results with increased net income and adjusted operating earnings, despite merger-related costs.
Key Takeaways
Atlantic Union Bankshares Corporation delivered a solid third quarter in 2025, reporting net income of $92.14 million and diluted EPS of $0.63. The company's adjusted operating earnings available to common shareholders reached $119.7 million, with adjusted diluted operating EPS of $0.84. Total assets stood at $37.07 billion, reflecting a slight decrease from the prior quarter but a significant increase year-over-year due to the Sandy Spring acquisition.
Net income available to common shareholders was $89.173 million, with diluted EPS of $0.63.
Adjusted diluted operating earnings per common share reached $0.84, demonstrating strong operational performance.
Total assets were $37.07 billion, a 49.5% increase from the prior year, largely driven by the Sandy Spring acquisition.
Net interest income was $319.21 million, with a net interest margin of 3.77%.
Atlantic Union
Atlantic Union
Atlantic Union Revenue by Segment
Atlantic Union Revenue by Geographic Location
Revenue by Segment
Service Charges on Deposit Accounts Revenue
CapyFin.comOther Service Charges, Commissions and Fees Revenue
CapyFin.comInterchange Fees Revenue
CapyFin.comFiduciary and Asset Management Fees Revenue
CapyFin.comMortgage Banking Income Revenue
CapyFin.comGain (Loss) on Sale of Securities Revenue
CapyFin.comBank Owned Life Insurance Income Revenue
CapyFin.comLoan-Related Interest Rate Swap Fees Revenue
CapyFin.comOther Operating Income Revenue
CapyFin.comRevenue by Geographic Location
Virginia Revenue
CapyFin.comMaryland Revenue
CapyFin.comNorth Carolina Revenue
CapyFin.com Forward Guidance
Atlantic Union Bankshares Corporation anticipates continued progress in integrating the Sandy Spring Bancorp, Inc. acquisition, aiming to achieve expected returns on assets, tangible common equity, and efficiency ratio. The company remains focused on generating sustainable, profitable growth and building long-term shareholder value, operating with a priority on soundness, profitability, and growth.
Positive Outlook
- Expects to deliver on expectations related to the Sandy Spring Bancorp, Inc. acquisition for adjusted operating return on assets, return on tangible common equity, and efficiency ratio.
- Committed to generating sustainable, profitable growth.
- Focused on building long-term value for shareholders.
- Strategic transformation from a Virginia community bank to a regional bank in the lower Mid-Atlantic, with operations throughout Virginia, Maryland, and a growing presence in North Carolina.
- Operating under the mantra of soundness, profitability, and growth, in that order of priority.
Challenges Ahead
- Merger-related costs continued to create a 'noisy quarter'.
- The impact of market interest rates and their related effects on macroeconomic conditions, customer behavior, funding costs, and loan/securities portfolios.
- Economic conditions, including inflation and recessionary conditions, and their impacts on economic growth and customer behavior.
- Volatility in the financial services sector, including potential failures of other depository institutions and their effects on attracting and retaining depositors or raising capital.
- The possibility that anticipated benefits of the Sandy Spring acquisition, including cost savings and strategic gains, may not be realized as expected or at all due to various factors.