Atlantic Union Bank (AUB) Q4 Non-GAAP EPS of $0.97 Beats Estimates, Revenue Up 77.2% YoY
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Source: seekingalpha
- Earnings Beat: Atlantic Union Bank reported a Q4 Non-GAAP EPS of $0.97, exceeding estimates by $0.11, which reflects strong profitability and boosts investor confidence in the bank's financial health.
- Significant Revenue Growth: The bank's revenue reached $387.1 million in Q4, marking a 77.2% year-over-year increase and surpassing expectations by $8.15 million, indicating robust demand for loans and financial services that drive overall performance.
- Increase in Allowance for Loan Losses: As of December 31, 2025, the allowance for loan and lease losses (ALLL) stood at $295.1 million, up $1.3 million from the previous quarter, demonstrating proactive credit risk management amid loan growth.
- Reserve for Unfunded Commitments: The reserve for unfunded commitments (RUC) was $26.2 million, reflecting the bank's anticipation of future credit demand, which enhances its competitive edge and risk management capabilities in the market.
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Analyst Views on AUB
Wall Street analysts forecast AUB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AUB is 42.50 USD with a low forecast of 38.00 USD and a high forecast of 45.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Analyst Rating
3 Buy
3 Hold
0 Sell
Moderate Buy
Current: 38.900
Low
38.00
Averages
42.50
High
45.00
Current: 38.900
Low
38.00
Averages
42.50
High
45.00
About AUB
Atlantic Union Bankshares Corporation is the holding company for Atlantic Union Bank (the Bank), which provides banking and related financial products and services to consumers and businesses. The Bank has branches and ATMs located in Virginia, Maryland and North Carolina. It operates through two segments: Wholesale Banking and Consumer Banking. Its Wholesale Banking segment provides loan, leasing, and deposit services, as well as treasury management and capital market services to wholesale customers primarily throughout Virginia, Maryland, North Carolina, and South Carolina. These customers include commercial and industrial customers. This segment also includes its equipment finance subsidiary and its wealth management business. Its Consumer Banking segment provides loan and deposit services to consumers and small businesses throughout Virginia, Maryland, and North Carolina. Consumer Banking includes the home loan division and investment management, and advisory services businesses.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Atlantic Union Bankshares Reports Q4 2025 Net Income of $109 Million
- Significant Loan Growth: Atlantic Union Bankshares achieved an annualized loan growth of 6.3% in Q4 2025, ending the year with $27.8 billion in loans, indicating strong market demand and a robust loan pipeline that is expected to support continued growth into 2026.
- Increased Net Interest Income: The bank reported tax-equivalent net interest income of $334.8 million for the fourth quarter, an increase of $11.2 million from the previous quarter, primarily driven by reduced interest expenses and increased loan income, further enhancing the company's profitability.
- Merger Integration Progress: Management indicated that merger-related expenses are expected to remain modest in Q1, with anticipated declines in noise associated with the merger, reflecting positive progress in integrating the Sandy Spring acquisition.
- Optimistic 2026 Outlook: The company projects loan balances to range between $29 billion and $30 billion and deposit balances between $31.5 billion and $32.5 billion for 2026, demonstrating management's confidence in future financial performance and market opportunities.
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Atlantic Union Bankshares Reports Q4 Net Income of $109 Million, Up 98%
- Net Income Growth: Atlantic Union Bankshares reported a net income of $109 million for Q4, a 98% increase from $54.82 million last year, indicating a significant enhancement in profitability.
- Earnings Per Share Rise: EPS increased from $0.60 to $0.77, despite analysts' expectations of $1.02, highlighting challenges in cost control and revenue growth.
- Surge in Interest Income: Net interest income skyrocketed from $183.25 million to $330.17 million, reflecting strong loan demand and an improved interest rate environment, further bolstering the company's financial stability.
- Increase in Loans and Deposits: Loans held for investment rose from $18.47 billion to $27.80 billion, while deposits increased from $20.40 billion to $30.47 billion, demonstrating enhanced customer trust and market share expansion.
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