Atlantic Union Reports Q4 Revenue of $391.8M
Reports Q4 revenue $391.8M, consensus $378.95M. Net interest margin was 3.90% from 3.77% in Q3 and 3.26% last year. Tangible book value per common share was $19.69 from $18.99 at previous quarter end. "Atlantic Union had a strong fourth quarter, reflecting disciplined execution and a successful integration of the Sandy Spring Bancorp, Inc. acquisition," said CEO John Asbury. "We believe that the adjusted operating results for the quarter showcase the organization's earnings capacity. While merger-related charges continued to affect this quarter's results, the underlying operating performance supports our continued confidence in achieving the strategic goals associated with the Sandy Spring acquisition-namely, the targets for adjusted operating return on assets, return on tangible common equity, and efficiency ratio. Atlantic Union is a story of transformation from a Virginia community bank to the largest regional bank headquartered in the lower Mid-Atlantic, with operations in Virginia, Maryland, and a growing presence in North Carolina. Operating under the mantra of soundness, profitability, and growth - in that order of priority - Atlantic Union remains committed to generating sustainable, profitable growth and building long-term value for our shareholders."
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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.
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.
