Atlantic Un Bankshares Corp Financials

AUB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Atlantic Un Bankshares Corp (AUB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

5/9

Atlantic Un Bankshares Corp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.47x

For every $1 of reported earnings, Atlantic Un Bankshares Corp generates $1.47 in operating cash flow ($308.5M OCF vs $209.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$1.2B

YoY+28.6%

5Y CAGR+11.9%

10Y CAGR+16.1%

Atlantic Un Bankshares Corp generated $1.2B in revenue in fiscal year 2024. This represents an increase of 28.6% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$209.1M

YoY+3.6%

5Y CAGR+1.6%

10Y CAGR+14.9%

Atlantic Un Bankshares Corp reported $209.1M in net income in fiscal year 2024. This represents an increase of 3.6% from the prior year.

EPS (Diluted)

$2.24

YoY-11.5%

5Y CAGR-1.5%

10Y CAGR+7.1%

Atlantic Un Bankshares Corp earned $2.24 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 11.5% from the prior year.

Cash & Debt

$354.1M

YoY-6.4%

5Y CAGR-4.1%

10Y CAGR+10.3%

Atlantic Un Bankshares Corp held $354.1M in cash against $418.3M in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.30

YoY+6.6%

5Y CAGR+6.3%

10Y CAGR+8.4%

Atlantic Un Bankshares Corp paid $1.30 per share in dividends in fiscal year 2024. This represents an increase of 6.6% from the prior year.

Shares Outstanding

90M

YoY+19.6%

5Y CAGR+2.3%

10Y CAGR+7.1%

Atlantic Un Bankshares Corp had 90M shares outstanding in fiscal year 2024. This represents an increase of 19.6% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

17.0%

YoY-4.1pp

5Y CAGR-10.6pp

10Y CAGR-1.9pp

Atlantic Un Bankshares Corp's net profit margin was 17.0% in fiscal year 2024, showing the share of revenue converted to profit. This is down 4.1 percentage points from the prior year.

Return on Equity

6.7%

YoY-1.2pp

5Y CAGR-1.0pp

10Y CAGR+1.3pp

Atlantic Un Bankshares Corp's ROE was 6.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.2 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

Atlantic Un Bankshares Corp spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

N/A

AUB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$1.2B+28.6%	$954.5M+44.5%	$660.4M+11.5%	$592.4M-9.3%	$653.5M-6.6%	$699.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$529.0M+54.0%	$343.4M+350.9%	$76.2M+85.3%	$41.1M-58.1%	$98.2M-39.2%	$161.5M
Income Tax	$50.7M+33.0%	$38.1M-16.2%	$45.4M-17.1%	$54.8M+95.4%	$28.1M-25.3%	$37.6M
Net Income	$209.1M+3.6%	$201.8M-13.9%	$234.5M-11.1%	$263.9M+66.8%	$158.2M-18.2%	$193.5M
EPS (Diluted)	$2.24-11.5%	$2.53-14.8%	$2.97-8.9%	$3.26+68.9%	$1.93-19.9%	$2.41

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$503.4M-1.4%	$510.4M+66.9%	$305.8M-4.2%	$319.2M-0.5%	$320.9M+22.1%	$262.9M+1.3%	$259.5M+5.0%	$247.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$184.2M-2.5%	$189.0M+55.3%	$121.7M-10.5%	$136.0M-0.3%	$136.4M+18.5%	$115.1M+8.6%	$106.0M+11.3%	$95.2M
Income Tax	$24.1M+1148.3%	-$2.3M-119.7%	$11.7M-13.6%	$13.5M+18.3%	$11.4M+13.2%	$10.1M+1.4%	$10.0M-13.5%	$11.5M
Net Income	$92.1M+365.6%	$19.8M-60.3%	$49.8M-13.8%	$57.8M+129.7%	$25.2M-49.4%	$49.8M-12.5%	$56.9M+5.4%	$54.0M
EPS (Diluted)	$0.63+425.0%	$0.12-76.9%	$0.52-5.5%	$0.55+120.0%	$0.25-59.7%	$0.62-12.7%	$0.71+4.4%	$0.68

AUB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$24.6B+16.2%	$21.2B+3.4%	$20.5B+2.0%	$20.1B+2.2%	$19.6B+11.8%	$17.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$354.1M-6.4%	$378.1M+18.2%	$319.9M-60.1%	$802.5M+62.7%	$493.3M+13.1%	$436.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.2B+31.2%	$925.2M0.0%	$925.2M-1.1%	$935.6M0.0%	$935.6M0.0%	$935.6M
Total Liabilities	$21.4B+15.2%	$18.6B+2.9%	$18.1B+4.2%	$17.4B+2.6%	$16.9B+12.4%	$15.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$418.3M+7.0%	$391.0M+0.3%	$389.9M+0.3%	$388.7M-20.6%	$489.8M-54.5%	$1.1B
Total Equity	$3.1B+22.9%	$2.6B+7.7%	$2.4B-12.4%	$2.7B+0.1%	$2.7B+7.8%	$2.5B
Retained Earnings	$1.1B+8.4%	$1.0B+10.7%	$919.5M+17.3%	$783.8M+27.2%	$616.1M+6.0%	$581.4M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$37.1B-0.6%	$37.3B+51.4%	$24.6B+0.2%	$24.6B-0.7%	$24.8B+15.8%	$21.4B+1.0%	$21.2B+2.1%	$20.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$794.7M-50.0%	$1.6B+265.9%	$434.1M+22.6%	$354.1M-20.6%	$446.0M+12.4%	$396.7M+4.9%	$378.1M-5.2%	$398.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.7B+0.9%	$1.7B+40.9%	$1.2B0.0%	$1.2B+0.5%	$1.2B+30.5%	$925.2M0.0%	$925.2M0.0%	$925.2M
Total Liabilities	$32.2B-0.9%	$32.5B+51.3%	$21.4B0.0%	$21.4B-1.3%	$21.7B+15.3%	$18.8B+1.2%	$18.6B+1.4%	$18.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$768.7M+0.4%	$765.4M+82.8%	$418.7M+0.1%	$418.3M+0.4%	$416.6M+6.5%	$391.3M+0.1%	$391.0M+0.1%	$390.7M
Total Equity	$4.9B+1.7%	$4.8B+51.7%	$3.2B+1.3%	$3.1B+3.3%	$3.0B+19.4%	$2.5B-0.3%	$2.6B+7.0%	$2.4B
Retained Earnings	$1.1B+3.7%	$1.1B-2.8%	$1.1B+1.5%	$1.1B+6.7%	$1.0B-0.6%	$1.0B+2.2%	$1.0B+3.0%	$988.1M

AUB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$308.5M+10.9%	$278.0M-33.7%	$419.7M+24.2%	$337.8M+45.6%	$231.9M+19.1%	$194.8M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$295.7M+51.0%	-$603.3M+52.8%	-$1.3B-269.8%	-$345.4M+82.0%	-$1.9B-350.9%	-$425.4M
Financing Cash Flow	-$36.8M-109.6%	$383.4M+2.2%	$375.2M+18.4%	$316.9M-81.8%	$1.7B+330.1%	$405.4M
Dividends Paid	N/A	N/A	$86.9M+3.1%	$84.3M+6.9%	$78.9M+0.7%	$78.3M
Share Buybacks	$0	$0-100.0%	$48.2M-61.4%	$125.0M+150.6%	$49.9M-37.9%	$80.3M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$156.9M-91.8%	$1.9B+2969.3%	$62.0M-36.9%	$98.3M+14.8%	$85.6M+50.2%	$57.0M+7.0%	$53.3M-40.4%	$89.4M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$557.4M-816.8%	$77.8M+706.4%	$9.6M+179.1%	-$12.2M+92.7%	-$167.3M+22.1%	-$214.9M+41.9%	-$369.8M-120.4%	-$167.7M
Financing Cash Flow	-$393.6M+52.4%	-$827.2M-9960.2%	$8.4M+103.2%	-$260.1M-298.5%	$131.0M-25.7%	$176.4M-40.3%	$295.7M+503.1%	$49.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$22.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0

AUB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.0%-4.1pp	21.1%-14.4pp	35.5%-9.0pp	44.5%+20.3pp	24.2%-3.5pp	27.7%
Return on Equity	6.7%-1.2pp	7.9%-2.0pp	9.9%+0.1pp	9.7%+3.9pp	5.8%-1.9pp	7.7%
Return on Assets	0.9%-0.1pp	0.9%-0.2pp	1.1%-0.2pp	1.3%+0.5pp	0.8%-0.3pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.13-0.0	0.15-0.0	0.16+0.0	0.14-0.0	0.18-0.2	0.43
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.3%+14.4pp	3.9%-12.4pp	16.3%-1.8pp	18.1%+10.3pp	7.8%-11.1pp	18.9%-3.0pp	21.9%+0.1pp	21.9%
Return on Equity	1.9%+1.5pp	0.4%-1.1pp	1.6%-0.3pp	1.8%+1.0pp	0.8%-1.1pp	1.9%-0.3pp	2.2%-0.0pp	2.3%
Return on Assets	0.3%+0.2pp	0.1%-0.1pp	0.2%-0.0pp	0.2%+0.1pp	0.1%-0.1pp	0.2%-0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.160.0	0.16+0.0	0.130.0	0.130.0	0.14-0.0	0.150.0	0.15-0.0	0.16
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Atlantic Un Bankshares Corp's annual revenue?

Atlantic Un Bankshares Corp (AUB) reported $1.2B in total revenue for fiscal year 2024. This represents a 28.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Atlantic Un Bankshares Corp's revenue growing?

Atlantic Un Bankshares Corp (AUB) revenue grew by 28.6% year-over-year, from $954.5M to $1.2B in fiscal year 2024.

Is Atlantic Un Bankshares Corp profitable?

Yes, Atlantic Un Bankshares Corp (AUB) reported a net income of $209.1M in fiscal year 2024, with a net profit margin of 17.0%.

What is Atlantic Un Bankshares Corp's earnings per share (EPS)?

Atlantic Un Bankshares Corp (AUB) reported diluted earnings per share of $2.24 for fiscal year 2024. This represents a -11.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Atlantic Un Bankshares Corp have?

As of fiscal year 2024, Atlantic Un Bankshares Corp (AUB) had $354.1M in cash and equivalents against $418.3M in long-term debt.

What is Atlantic Un Bankshares Corp's net profit margin?

Atlantic Un Bankshares Corp (AUB) had a net profit margin of 17.0% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Atlantic Un Bankshares Corp pay dividends?

Yes, Atlantic Un Bankshares Corp (AUB) paid $1.30 per share in dividends during fiscal year 2024.

What is Atlantic Un Bankshares Corp's return on equity (ROE)?

Atlantic Un Bankshares Corp (AUB) has a return on equity of 6.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Atlantic Un Bankshares Corp's operating cash flow?

Atlantic Un Bankshares Corp (AUB) generated $308.5M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Atlantic Un Bankshares Corp's total assets?

Atlantic Un Bankshares Corp (AUB) had $24.6B in total assets as of fiscal year 2024, including both current and long-term assets.

How many shares does Atlantic Un Bankshares Corp have outstanding?

Atlantic Un Bankshares Corp (AUB) had 90M shares outstanding as of fiscal year 2024.

What is Atlantic Un Bankshares Corp's debt-to-equity ratio?

Atlantic Un Bankshares Corp (AUB) had a debt-to-equity ratio of 0.13 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Atlantic Un Bankshares Corp's return on assets (ROA)?

Atlantic Un Bankshares Corp (AUB) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Atlantic Un Bankshares Corp's Piotroski F-Score?

Atlantic Un Bankshares Corp (AUB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Atlantic Un Bankshares Corp's earnings high quality?

Atlantic Un Bankshares Corp (AUB) has an earnings quality ratio of 1.47x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.