Atlantic Union Bankshares Corporation (AUB) Income Statement
AUB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsAUB revenue and net income
Where AUB's revenue goes
2025Each bar shows an amount and its share of revenue. AUB kept 13.5% of revenue as net income.
AUB profit margins
AUB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +51.1% | +37.7% | +21.0% | +19.5% |
| Gross profit | +59.8% | +21.5% | +15.4% | +14.8% |
| Operating income | +29.7% | +6.4% | +12.6% | +14.1% |
| Net income | +30.9% | +5.3% | +11.6% | +15.1% |
| EPS (diluted) | +19.8% | +4.4% | +8.7% | +8.4% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
AUB quarterly EPS vs estimates
Atlantic Union Bankshares beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 20, 2026 (estimate $0.96).
AUB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.03B | $1.35B | $1.05B | $779.0M | $711.2M | $784.9M | $832.1M | $613.1M | $391.5M | $353.6M |
| Cost of revenue | $808.4M | $579.1M | $375.1M | $95.2M | −$19.8M | $185.3M | $182.6M | $115.8M | $60.8M | $38.7M |
| Gross profit | $1.23B | $767.3M | $670.3M | $683.8M | $731.0M | $599.6M | $649.6M | $497.2M | $330.6M | $314.9M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $451.0M | $303.5M | $266.9M | $248.4M | $234.3M | $226.5M | $237.5M | $194.5M | $152.7M | $150.4M |
| Total operating expenses | $888.9M | $507.5M | $430.4M | $403.8M | $412.2M | $413.3M | $418.3M | $317.8M | $225.7M | $213.1M |
| Operating income | $337.0M | $259.8M | $239.9M | $280.0M | $318.8M | $186.3M | $231.3M | $179.4M | $105.0M | $101.8M |
| Interest income | $1.82B | $1.23B | $954.5M | $660.4M | $592.4M | $653.5M | $699.3M | $528.8M | $330.2M | $294.9M |
| Interest expense | $666.6M | $529.0M | $343.4M | $76.2M | $41.1M | $98.2M | $161.5M | $102.1M | $50.0M | $29.8M |
| Income before taxes | $337.0M | $259.8M | $239.9M | $280.0M | $318.8M | $186.3M | $231.3M | $179.4M | $105.0M | $101.8M |
| Income taxes | $63.3M | $50.7M | $38.1M | $45.4M | $54.8M | $28.1M | $37.6M | $30.0M | $32.8M | $25.9M |
| Net income | $273.7M | $209.1M | $201.8M | $234.5M | $263.9M | $158.2M | $193.5M | $146.2M | $72.9M | $77.5M |
| EBITDA | $381.1M | $295.1M | $280.9M | $325.4M | $369.5M | $229.4M | $271.2M | $205.8M | $130.2M | $125.6M |
| EPS (diluted) | $3.33 | $2.78 | $2.89 | $2.93 | $3.52 | $2.19 | $2.76 | $2.71 | $1.91 | $1.77 |
| Gross margin | 60.3% | 57.0% | 64.1% | 87.8% | 102.8% | 76.4% | 78.1% | 81.1% | 84.5% | 89.1% |
| Operating margin | 16.6% | 19.3% | 22.9% | 35.9% | 44.8% | 23.7% | 27.8% | 29.3% | 26.8% | 28.8% |
| Net margin | 13.5% | 15.5% | 19.3% | 30.1% | 37.1% | 20.2% | 23.3% | 23.9% | 18.6% | 21.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $577.1M | $523.7M | $556.6M | $553.3M | $590.6M | $333.8M | $358.5M | $357.4M | $343.4M | $287.1M | $288.4M | $272.9M |
| Cost of revenue | $173.4M | $162.1M | $173.9M | $200.5M | $294.7M | $139.3M | $153.5M | $144.2M | $158.1M | $123.3M | $114.7M | $100.2M |
| Gross profit | $403.6M | $361.6M | $382.7M | $352.8M | $295.9M | $194.4M | $205.0M | $213.2M | $185.3M | $163.8M | $173.7M | $172.7M |
| Sales, general & admin | $150.6M | $127.6M | $122.6M | $122.2M | $122.3M | $83.8M | $80.0M | $78.0M | $76.2M | $69.3M | $67.3M | $63.9M |
| Total operating expenses | $199.1M | $207.0M | $241.0M | $236.5M | $278.4M | $132.9M | $133.7M | $121.1M | $148.7M | $104.0M | $106.9M | $107.1M |
| Operating income | $204.5M | $154.6M | $141.7M | $116.3M | $17.5M | $61.5M | $71.3M | $92.0M | $36.6M | $59.9M | $66.9M | $65.5M |
| Interest income | $486.8M | $471.7M | $501.8M | $503.4M | $510.4M | $305.8M | $319.2M | $324.5M | $320.9M | $262.9M | $259.5M | $247.2M |
| Interest expense | $161.7M | $159.4M | $171.7M | $184.2M | $189.0M | $121.7M | $136.0M | $141.6M | $136.4M | $115.1M | $106.0M | $95.2M |
| Income before taxes | $204.5M | $154.6M | $141.7M | $116.3M | $17.5M | $61.5M | $71.3M | $92.0M | $36.6M | $59.9M | $66.9M | $65.5M |
| Income taxes | $43.5M | $32.4M | $29.7M | $24.1M | −$2.3M | $11.7M | $13.5M | $15.6M | $11.4M | $10.1M | $10.0M | $11.5M |
| Net income | $161.0M | $122.2M | $112.0M | $92.1M | $19.8M | $49.8M | $57.8M | $76.4M | $25.2M | $49.8M | $56.9M | $54.0M |
| EBITDA | $217.4M | $165.7M | $151.3M | $129.3M | $29.6M | $70.8M | $80.0M | $100.7M | $45.0M | $69.4M | $79.7M | $74.2M |
| EPS (diluted) | $0.94 | $0.89 | $0.97 | $0.84 | $0.95 | $0.57 | $0.67 | $0.83 | $0.63 | $0.65 | $0.72 | $0.80 |
| Gross margin | 69.9% | 69.0% | 68.8% | 63.8% | 50.1% | 58.3% | 57.2% | 59.6% | 54.0% | 57.0% | 60.2% | 63.3% |
| Operating margin | 35.4% | 29.5% | 25.5% | 21.0% | 3.0% | 18.4% | 19.9% | 25.8% | 10.7% | 20.8% | 23.2% | 24.0% |
| Net margin | 27.9% | 23.3% | 20.1% | 16.7% | 3.4% | 14.9% | 16.1% | 21.4% | 7.3% | 17.3% | 19.7% | 19.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in AUB's financial statements (latest annual report filed February 26, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
AUB financial results
In fiscal year 2025 (ended December 31, 2025), Atlantic Union Bankshares reported revenue of $2.0 billion, up 51.1% from the year before. It had net income of $273.7 million (up 30.9%), a net profit margin of 13.5%. Diluted earnings per share came to $3.33. Over five years revenue grew at an average rate of 21.0% a year.
See the AUB stock overview for the latest quote and news, or the AUB chart for price history and technical indicators.
AUB income statement FAQ
What is Atlantic Union Bankshares's annual revenue?
Atlantic Union Bankshares reported total revenue of $2.0 billion for fiscal year 2025, which ended on December 31, 2025. That was up 51.1% from $1.3 billion the previous year.
Is Atlantic Union Bankshares profitable?
Yes. Atlantic Union Bankshares reported net income of $273.7 million in fiscal 2025, a net profit margin of 13.5%; its operating margin was 16.6%.
What is Atlantic Union Bankshares's gross margin?
Atlantic Union Bankshares's gross margin was 60.3% in fiscal 2025: for every $100 of revenue, Atlantic Union Bankshares kept $60 after the direct cost of its products and services.
How fast is Atlantic Union Bankshares growing?
Revenue grew 21.0% a year on average over the last five fiscal years, from $784.9 million to $2.0 billion.
What are Atlantic Union Bankshares's earnings per share?
Atlantic Union Bankshares earned $3.33 per diluted share in fiscal 2025, compared with $2.78 a year earlier.
When will Atlantic Union Bankshares report its next earnings?
Atlantic Union Bankshares is expected to report results for the quarter ending September 30, 2026 on October 20, 2026 before the market opens.
When does Atlantic Union Bankshares's fiscal year end?
Atlantic Union Bankshares's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 26, 2026.