AUB FY 2025 Earnings Report — Atlantic Union Bankshares Corporation Revenue & Financial Results | Market Cap Arena

Atlantic Union Bankshares CorporationAUB

FY 2025 Earnings

Reported February 26, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$1.7B	—	$1.3B	—	28.2%
Op. Income	$337M	—	$260M	—	29.7%
Gross Margin	53.2%	—	57.0%	—	-3.8pp
Net Margin	15.9%	—	15.5%	—	0.3pp
EPS (Diluted)	$2.03	—	$2.24	—	-9.4%
Free Cash Flow	$85M	—	$301M	—	-71.6%

Revenue Flow

Item	Amount
REVENUE	$1.7B
Cost of Revenue	$808M
GROSS PROFIT	$918M
R&D Expenses	$0
Selling & Marketing	$19M
General & Administrative	$432M
SG&A Expenses	$451M
Other Expenses	$130M
Operating Expenses	$581M
Cost & Expenses	$1.4B
OPERATING INCOME	$337M
Interest Income	$1.8B
Interest Expense	$667M
Other Income/Expenses	$0
INCOME BEFORE TAX	$337M
Income Tax Expense	$63M
Net Income from Continuing Ops	$274M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$274M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$262M
D&A	$18M
EBIT	$337M
EBITDA	$355M
EPS	$2
EPS Diluted	$2

Income Statement

Item	Amount
REVENUE	$1.7B
Cost of Revenue	$808M
GROSS PROFIT	$918M
R&D Expenses	$0
Selling & Marketing	$19M
General & Administrative	$432M
SG&A Expenses	$451M
Other Expenses	$130M
Operating Expenses	$581M
Cost & Expenses	$1.4B
OPERATING INCOME	$337M
Interest Income	$1.8B
Interest Expense	$667M
Other Income/Expenses	$0
INCOME BEFORE TAX	$337M
Income Tax Expense	$63M
Net Income from Continuing Ops	$274M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$274M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$262M
D&A	$18M
EBIT	$337M
EBITDA	$355M
EPS	$2
EPS Diluted	$2

Cash Flow Statement

Item	Amount
Net Income	$274M
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	-$154M
Change in Working Capital	-$22M
OPERATING CASH FLOW	$98M
Capital Expenditure	-$12M
Acquisitions (Net)	$270M
Purchases of Investments	-$1.8B
Sales/Maturities of Investments	$1.3B
Other Investing Activities	-$52M
NET CASH FROM INVESTING	-$268M
Net Debt Issuance	$137M
Common Stock Repurchased	$0
Common Dividends Paid	-$192M
Other Financing Activities	-$160M
NET CASH FROM FINANCING	$170M
FREE CASH FLOW	$85M
Net Change in Cash	-$712.0K

Balance Sheet

Item	Amount
Cash & Equivalents	$234M
Short-Term Investments	$4.2B
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$4.4B
PP&E (Net)	$167M
Goodwill	$1.7B
Intangible Assets	$316M
Long-Term Investments	$0
Tax Assets	$0
Other Non-Current Assets	$0
TOTAL NON-CURRENT ASSETS	$2.2B
TOTAL ASSETS	$37.6B
Account Payables	$0
Short-Term Debt	$725M
Deferred Revenue	$0
Other Current Liabilities	-$75M
TOTAL CURRENT LIABILITIES	$650M
Long-Term Debt	$772M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$31.2B
TOTAL NON-CURRENT LIABILITIES	$31.9B
TOTAL LIABILITIES	$32.6B
Common Stock	$189M
Additional Paid-In Capital	$3.9B
Retained Earnings	$1.2B
Treasury Stock	$0
Accum. Other Comp. Income	-$256M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$5.0B
Minority Interest	$0
TOTAL EQUITY	$5.0B
TOTAL LIABILITIES & EQUITY	$37.6B
Total Debt	$1.5B
Net Debt	$1.3B