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. ...

Core Viewpoint - Atlantic Union (AUB) is expected to report quarterly earnings of $0.86 per share, reflecting a 28.4% increase year-over-year, with revenues projected at $380.7 million, a 71.3% increase compared to the previous year [1]. Earnings Projections - The consensus EPS estimate for the quarter has remained unchanged over the past 30 days, indicating analysts' reassessment of their initial projections [1][2]. Key Financial Metrics - Analysts predict an 'Efficiency Ratio' of 52.5%, down from 59.4% in the same quarter last year [4]. - The 'Net Interest Margin' is expected to reach 3.9%, compared to 3.3% in the same quarter of the previous year [4]. - The estimated 'Average Balance - Total earning assets' is projected at $33.61 billion, up from $22.37 billion in the same quarter last year [5]. - 'Total Non Interest Income' is expected to be $52.85 million, compared to $35.23 million in the same quarter last year [5]. Income Estimates - The consensus for 'Net interest income (FTE)' stands at $327.08 million, significantly higher than the year-ago figure of $187.04 million [6]. - 'Interchange fees, net' are expected to reach $3.99 million, up from $3.34 million year-over-year [6]. - 'Bank owned life insurance income' is projected at $5.07 million, compared to $3.56 million last year [6]. Additional Income Projections - 'Fiduciary and asset management fees' are forecasted to be $18.49 million, compared to $6.93 million in the same quarter last year [7]. - 'Other operating income' is estimated at $4.26 million, up from $3.74 million in the same quarter last year [7]. - 'Service charges on deposit accounts' are expected to reach $12.91 million, compared to $9.83 million last year [8]. - 'Loan-related interest rate swap fees' are projected at $4.31 million, down from $5.08 million year-over-year [8]. Stock Performance - Atlantic Union shares have increased by 4.3% over the past month, outperforming the Zacks S&P 500 composite, which rose by 2% [8].

Group 1 - Atlantic Union Bankshares (AUB) is highlighted as a compelling stock for investors seeking growth, value, and yield, particularly for income-focused investors due to its 15 consecutive years of dividend growth [3] - The bank has recently raised its quarterly dividend payout, indicating strong dividend momentum [3] - The Relative Strength Rating (RS Rating) for Atlantic Union Bankshares has shown improvement, with ratings climbing to 74, 72, 81, and 82 in recent assessments, reflecting enhanced technical performance [4][6][7]

Core Insights - SolaREIT has expanded its revolving credit facility to $80 million, marking the fourth increase in three years, indicating strong market confidence in its business model and the demand for solar and battery storage financing solutions [1][2] Company Overview - SolaREIT is a renewable energy real estate investment company based in Virginia, focused on providing financing solutions for solar and battery energy storage developers. It was founded in 2020 and is a minority and women-owned business [4] Financial Developments - The expanded credit facility allows SolaREIT to meet the increasing demand from solar and battery energy storage developers, providing additional capital to support project development [2][3] - Since its inception, SolaREIT has financed land for projects totaling under $5 billion, showcasing its significant role in the renewable energy sector [3] Partnerships - SolaREIT continues to strengthen its partnerships with Atlantic Union Bank and EagleBank, which are crucial for providing financing solutions to energy storage and solar developers [3][4] - The financial community's confidence in SolaREIT's business model is reflected in the support from these banking partners, which enhances SolaREIT's ability to scale its operations [3][5]

Core Insights - The company is preparing for its 4Q and FY 2025 earnings conference call, indicating a focus on financial performance and strategic outlook for the upcoming fiscal year [1] Group 1 - The earnings conference call will provide insights into the company's financial results for the fourth quarter and the full fiscal year 2025 [1]

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Group 1 - The presentation is led by William Cimino, Senior VP & Director of Investor Relations, welcoming both in-person and online attendees [1] - The slide presentation is available for download on the investor website, with instructions provided for both online viewers and in-person attendees [2] - Financial performance will be discussed using both GAAP metrics and non-GAAP financial measures, with important information about these measures included in the appendix [3]

Atlantic Union Bankshares (NYSE:AUB) 2025 Investor Day Summary Company Overview - Atlantic Union Bankshares has transformed from a Virginia community bank into a regional bank serving the lower Mid-Atlantic region over the past nine years through organic growth and targeted mergers and acquisitions [6][10][12]. Key Financial Performance - The bank achieved a compound annual growth rate (CAGR) of 20% for assets, while the branch footprint grew at a CAGR of only 6%, indicating optimization of the retail branch network for efficiency [14]. - The organic growth rate for the company over nine years is reported at 7%, which is considered strong for the franchise [10]. Strategic Growth and Acquisitions - The bank has completed four acquisitions in nine years, with the most recent being American National Bank in April 2024, which expanded its presence in North Carolina [11][13]. - The focus is now shifting towards organic growth, leveraging the established franchise to demonstrate earnings power [12][20]. Market Position and Competitive Landscape - AUB is positioned as the number one regional bank by depository market share in Virginia and Maryland, but still a small player in North Carolina [17]. - The bank operates in affluent markets with low unemployment rates, which are seen as attractive for growth opportunities [18]. Strategic Priorities - The recently approved three-year strategic plan focuses on demonstrating organic growth capability, shifting from capital investment to capital creation, and maintaining disciplined execution [20]. - Integration of the Sandy Spring franchise is a top priority to realize operational, cultural, and financial potential [21]. Technology and Innovation - AUB is leveraging fintech partnerships to enhance organic growth and operational efficiency, focusing on digital capabilities and customer experience [23][24]. - The bank is preparing for changes in the payment landscape, including exploring digital asset capabilities such as tokenized deposits and stablecoin transactions [25][26]. Customer Experience and Relationship Management - AUB emphasizes a relationship-driven approach to customer acquisition and retention, aiming to provide a balance of human touch and digital-enabled experiences [27][29]. - The bank has implemented new online and mobile banking tools to enhance customer service and streamline operations [59]. Wealth Management and Fee Income - The wealth management segment has become a significant source of fee income, with ongoing integration of new products and services [52][53]. - The bank is expanding its wealth management capabilities, including institutional services and 401(k) plans, to enhance client offerings [53]. Operational Efficiency - AUB has optimized its branch network, increasing the average customer deposits per branch from $79 million in 2019 to $167 million [64]. - The bank maintains a focus on customer service excellence, achieving low customer attrition rates and high satisfaction ratings [65]. Future Outlook - The bank plans to continue expanding its presence in North Carolina and enhance its product offerings to drive organic growth [38][66]. - AUB is committed to operational excellence and adapting to evolving client needs through technology investments and talent recruitment [54].

Investor Day December 10, 2025 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 strategic initiatives, priorities, plans and vision; our acquisition of Sandy Spring Bancorp, Inc. ("Sandy Spring") and expectations with regard to the benefits of the Sandy Spring a ...