We resume our Q4 regional bank coverage today with the just-reported earnings from Atlantic Union Bankshares Corporation ( AUB ). This was a positive report following a year in which the bank has beenThe Pioneer Of Seeking Alpha's BAD BEAT Investing, Quad 7 Capital is a team of 7 analysts with a wide range of experience sharing investment opportunities for nearly 12 years. They are best known for their February 2020 call to sell everything & go short, & have been on average 95% long 5% short since May 2020. ...

We resume our Q4 regional bank coverage today with the just-reported earnings from Atlantic Union Bankshares Corporation ( AUB ). This was a positive report following a year in which the bank has beenThe Pioneer Of Seeking Alpha's BAD BEAT Investing, Quad 7 Capital is a team of 7 analysts with a wide range of experience sharing investment opportunities for nearly 12 years. They are best known for their February 2020 call to sell everything & go short, & have been on average 95% long 5% short since May 2020. ...

Atlantic Union Bankshares (NYSE:AUB) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsDavid Ring - Wholesale Banking ExecutiveBill Cimino - SVP of Investor RelationsShawn O'Brien - Senior Executive Vice President of Consumer Banking Group ExecutiveSteve Moss - Managing Director of Equity ResearchRob Gorman - CFOHannah Wynn - Equity Research AssociateJohn Asbury - CEOConference Call ParticipantsStephen Scouten - Managing Director and Senior Research AnalystJanet Lee - Director and U.S. ...

Financial Data and Key Metrics Changes - Atlantic Union Bankshares reported a net income of $109 million for Q4 2025, with earnings per common share at $0.77, and for the full year, net income was $261.8 million, with earnings per common share at $2.03 [14][15] - Adjusted operating earnings for Q4 were $138.4 million, or $0.97 per common share, resulting in an adjusted operating return on tangible common equity of 22.1% and an adjusted operating efficiency ratio of 47.8% [15][16] - The total allowance for credit losses was $321.3 million, a slight increase from the previous quarter, with a net charge-off ratio of one basis point for Q4 [16][17] Business Line Data and Key Metrics Changes - Quarterly loan growth was approximately 6.3% annualized, ending the year at $27.8 billion, with expectations for 2026 loan balances to range between $29 and $30 billion [6][24] - Fee income increased, driven by loan-related interest rate swap fees and fiduciary and asset management fees, with 27% of interest rate swap income coming from former Sandy Spring customers [9][21] - Non-interest income for Q4 was $57 million, an increase from the prior quarter, primarily due to higher loan-related interest rate swap fees [21] Market Data and Key Metrics Changes - Virginia's unemployment rate remained stable at 3.5%, while Maryland's increased to 4.2% and North Carolina's rose to 3.8%, all below the national average [10][11] - The company expects manageable unemployment levels in its markets, consistent with Moody's forecasts [11] Company Strategy and Development Direction - The company aims to leverage the strategic advantages gained from the Sandy Spring acquisition to drive sustainable growth and long-term value creation [6][12] - Focus will shift to demonstrating the franchise's earnings power and capital generation ability, with no additional acquisitions planned in the near term [12][13] - The company is committed to expanding its presence in North Carolina and enhancing its specialty banking services [12][73] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving strategic goals associated with the Sandy Spring acquisition, anticipating a decline in merger-related expenses in Q1 2026 [4][5] - The company remains optimistic about loan growth despite economic uncertainties, with a strong pipeline and growing client confidence [7][52] - Management highlighted the importance of maintaining a disciplined approach to cost management and capital allocation [12][104] Other Important Information - The company paid a common stock dividend of $0.37 per share, an increase of 8.8% from the previous quarter [25] - Tangible book value per common share increased approximately 4% to $19.69 in Q4 [25] Q&A Session Summary Question: Clarification on 2026 guidance and net interest income range - Management indicated that achieving the higher end of the net interest income guidance depends on elevated accretion income and continued reduction in deposit costs [36][41] Question: Loan pipeline increase and near-term loan growth - Management confirmed a modest increase in the loan pipeline, with positive feedback from market leaders indicating strong near-term growth potential [50][52] Question: Deposit growth outlook for next year - Management guided for about 3%-4% deposit growth in 2026, supported by treasury management opportunities [86] Question: Cost savings from the Sandy Spring deal - Management noted that most cost savings are reflected in current numbers, with some residual benefits expected in Q1 [92][93] Question: Non-credit-related customer losses - Management clarified that elevated non-credit-related losses were primarily due to episodic fraud incidents [110]

Atlantic Union Bankshares (NYSE:AUB) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Speaker1Today, and thank you for standing by. Welcome to Atlantic Union Bankshares' fourth quarter 2025 earnings conference call. At this time, all participants are on a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. ...

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4Q and Full Year 2025 Earnings Presentation January 22, 2026 FORWARD-LOOKING STATEMENTS This presentation and statements by our management may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that include, without limitation, statements regarding our acquisition of Sandy Spring Bancorp, Inc. ("Sandy Spring") and expectations with regard to the benefits of the Sandy Spring acquisition, statements rega ...

分组1 - Atlantic Union (AUB) reported quarterly earnings of $0.97 per share, exceeding the Zacks Consensus Estimate of $0.86 per share, and up from $0.67 per share a year ago, representing an earnings surprise of +13.05% [1] - The company posted revenues of $391.79 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 2.91%, compared to year-ago revenues of $222.27 million [2] - Atlantic Union shares have increased approximately 13.3% since the beginning of the year, outperforming the S&P 500's gain of 0.4% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $0.86 on revenues of $379.47 million, and for the current fiscal year, it is $3.66 on revenues of $1.56 billion [7] - The Zacks Industry Rank for Banks - Northeast is currently in the top 33% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

Financial Performance - For Q4 2025, Atlantic Union reported net income of $109.0 million and adjusted operating earnings of $138.4 million, with diluted earnings per share of $0.77 and $0.97 respectively[1][2] - For the full year 2025, net income available to common shareholders was $261.8 million, with adjusted operating earnings of $444.8 million, resulting in diluted earnings per share of $2.03 and $3.44 respectively[2] - Net income available to common shareholders for Q4 2025 was $108,999,000, a 22.2% increase from $89,173,000 in Q3 2025[36] - Net income for Q4 2025 reached $111,966,000, a 21.5% increase from $92,140,000 in Q3 2025 and a 93.6% increase from $57,785,000 in Q4 2024[40] - Adjusted operating earnings available to common shareholders for the year ended 2025 were $444,842,000, up 75.9% from $252,826,000 in 2024[40] Revenue and Income - Total revenue (FTE) for the year ended December 31, 2025, reached $1,391,510,000, compared to $832,643,000 in the previous year, a significant increase of 67.2%[36] - Total adjusted revenue for the year ended 2025 was $1,365,919,000, a significant increase from $839,136,000 in 2024[40] - Noninterest income increased to $57.0 million in Q4 2025, up $5.2 million from the prior quarter, primarily due to a recovery from a prior loss related to the sale of commercial real estate loans[14] - Noninterest income for Q4 2025 was $57,000,000, up from $51,751,000 in Q3 2025 and $35,227,000 in Q4 2024[40] Assets and Liabilities - Total assets reached $37.6 billion at December 31, 2025, an increase of $513.0 million or approximately 5.5% from the prior quarter, and up $13.0 billion or approximately 52.9% from the previous year[20] - Total assets amounted to $37,585,754,000 as of December 31, 2025, up from $37,072,733,000 as of September 30, 2025, and significantly higher than $24,585,323,000 as of December 31, 2024[42] - Total deposits amounted to $30.5 billion, down $193.7 million or 2.5% from the prior quarter, but up $10.1 billion or 49.4% year-over-year, largely due to the addition of deposits from the Sandy Spring acquisition[24] - Total deposits decreased to $30,471,636,000 as of December 31, 2025, from $30,665,324,000 as of September 30, 2025, and increased from $20,397,619,000 as of December 31, 2024[42] Credit Quality - Nonperforming assets (NPAs) as a percentage of total loans held for investment (LHFI) decreased to 0.42% at December 31, 2025, down 7 basis points from the prior quarter[7] - The allowance for credit losses (ACL) was $321.3 million at December 31, 2025, reflecting a $1.3 million increase from the prior quarter, with an ACL to total LHFI ratio of 1.16%[10][11] - The Allowance for Credit Losses (ACL) increased to $321,269 thousand, up from $193,685 thousand year-over-year, reflecting a growth of 65.9%[38] - The Ending balance of the Allowance for Loan and Lease Losses (ALLL) was $295,108 thousand, compared to $178,644 thousand in the previous year, representing a 65.5% increase[38] Efficiency and Ratios - The efficiency ratio for Q4 2025 improved to 62.09%, down from 63.52% in Q3 2025, indicating better cost management[36] - Return on average assets (ROA) for Q4 2025 was 1.19%, up from 0.98% in Q3 2025, showing improved asset utilization[36] - Common equity Tier 1 capital ratio improved to 10.10% as of December 31, 2025, compared to 9.92% in the prior quarter and 9.96% a year earlier[26] - Adjusted operating return on average equity (ROE) for the year ended 2025 was 11.33%, up from 10.00% in 2024[40] Acquisitions and Integration - Preliminary goodwill from the Sandy Spring acquisition was $519.2 million as of December 31, 2025, with a $22.4 million increase due to measurement period adjustments[21] - The company is focused on integrating the Sandy Spring acquisition and expects to realize benefits from this and the American National acquisition in the future[33] Economic Outlook - The company anticipates potential impacts from economic conditions, interest rate changes, and competition in the financial services sector, which may affect future performance[34]

RICHMOND, Va.--(BUSINESS WIRE)--4Q 2025 and FY 2025 earnings release. ...