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Dec 31, 2025
Atlantic Union Q4 2025 Earnings Report
Atlantic Union Bankshares reported strong fourth quarter and full year financial results, reflecting disciplined execution and successful integration of the Sandy Spring Bancorp, Inc. acquisition.
Key Takeaways
Atlantic Union Bankshares Corporation delivered a strong fourth quarter in 2025, with net income available to common shareholders reaching $109.0 million and diluted EPS of $0.77. The company's adjusted operating earnings per common share were $0.97, showcasing robust earnings capacity despite merger-related charges. Key drivers included a decrease in interest expense due to lower deposit costs and increased accretion income from the Sandy Spring acquisition, which also expanded the company's market presence in the Mid-Atlantic region.
Net income available to common shareholders for Q4 2025 was $109.0 million, with diluted EPS of $0.77.
Adjusted diluted operating earnings per common share for Q4 2025 stood at $0.97, demonstrating strong underlying operational performance.
Net interest income increased to $330.2 million in Q4 2025, driven by lower deposit costs and higher accretion income from the Sandy Spring acquisition.
Total assets grew to $37.6 billion at December 31, 2025, an increase of $513.0 million from the prior quarter, primarily due to increases in loans held for investment and cash and cash equivalents.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Atlantic Union Bankshares anticipates continued progress in achieving strategic goals related to the Sandy Spring acquisition, focusing on improving adjusted operating return on assets, return on tangible common equity, and efficiency ratio. The company expects to generate sustainable, profitable growth and build long-term shareholder value.
Positive Outlook
- Continued confidence in achieving strategic goals from the Sandy Spring acquisition.
- Expectations for improved adjusted operating return on assets.
- Anticipated enhancements in return on tangible common equity.
- Projected improvements in the efficiency ratio.
- Commitment to generating sustainable, profitable growth and building long-term shareholder value.
Challenges Ahead
- Merger-related charges are expected to continue impacting results in the near term.
- Potential for volatility in financial services sector, including failures of other depository institutions.
- Risks associated with changes in market interest rates and their impact on macroeconomic conditions.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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