Dec 31, 2021

Atlantic Union Q4 2021 Earnings Report

Reported net income of $44.8 million and EPS of $0.59, driven by strategic initiatives and a strong finish to the year.

Key Takeaways

Atlantic Union Bankshares Corporation reported a strong fourth quarter with net income available to common shareholders of $44.8 million and earnings per share of $0.59. The company took strategic actions to reduce expenses and position itself for long-term success, including closing the operations center and consolidating 16 branches. Loan growth is expected to continue, and credit losses are anticipated to remain historically low.

Net income available to common shareholders was $44.8 million, with basic and diluted EPS of $0.59.

Adjusted operating earnings available to common shareholders were $53.8 million, with diluted operating EPS of $0.71.

Pre-tax pre-provision adjusted operating earnings were $66.2 million.

Strategic initiatives included closing the operations center and consolidating 16 branches, resulting in $16.5 million in restructuring expenses.

Total Revenue
$175M
Previous year: $178M
-1.7%
EPS
$0.71
Previous year: $0.72
-1.4%
Efficiency ratio
68.64%
Previous year: 68.41%
+0.3%
Net interest margin
3.03%
Previous year: 3.25%
-6.8%
Cash and Equivalents
$803M
Previous year: $493M
+62.7%
Total Assets
$20.1B
Previous year: $19.6B
+2.2%

Atlantic Union

Atlantic Union

Forward Guidance

Atlantic Union anticipates continued loan growth and historically low credit losses due to a positive economic outlook. The company expects the lingering effects of the pandemic to continue to recede in 2022.