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Atlantic Un Bankshares Corp Financials

AUB
Trailing 12 months to June 30, 2026
Revenue $2.0B +34.5% YoY
Net Income $487.3M +139.1% YoY
EPS (Diluted) $3.39 YoY not available
Free Cash Flow Not reported for the trailing 12 months
Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Atlantic Un Bankshares Corp (AUB) reported $2.0B in revenue over the twelve months to Jun 30, 2026, up 34.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI AUB FY2025

Liability-funded expansion is enlarging the bank faster than earnings, while reported cash flow is being shaped by balance-sheet movements.

From FY2024 to FY2025, assets expanded 52.9% while revenue grew 48.4%, so the balance sheet grew faster than its earning base. Net margin compressed from 17.0% to 15.0%, showing that expansion did not translate proportionally into earnings.

FY2025 operating cash flow was $2.24B against $274M of net income, creating a wide cash-to-earnings gap; for a bank, that pattern points to major changes in operating balance-sheet funding rather than cash profitability alone.

Although long-term debt was $772M and debt-to-equity was 0.2x, liabilities represented 86.7% of assets, so the reported debt ratio does not capture the bank’s broader liability-funded structure. Returns also weakened, with ROA and ROE ending at 0.7% and 5.5%, respectively.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 56 / 100
Financial Health Score 56/100
Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Atlantic Un Bankshares Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings
44
Growth
91
Capital
71
Efficiency
50
Credit Quality
0

Not available for Atlantic Un Bankshares Corp, and counted as zero in the overall score.

Stability
82
Piotroski F-Score Partial
3/7

Atlantic Un Bankshares Corp passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed
8.17x

For every $1 of reported earnings, Atlantic Un Bankshares Corp generates $8.17 in operating cash flow ($2.2B OCF vs $273.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$1.8B
YoY+48.4%
5Y CAGR+22.8%
10Y CAGR+20.7%

Atlantic Un Bankshares Corp generated $1.8B in revenue in fiscal year 2025. This represents an increase of 48.4% from the prior year.

Net Income
$273.7M
YoY+30.9%
5Y CAGR+11.6%
10Y CAGR+15.1%

Atlantic Un Bankshares Corp reported $273.7M in net income in fiscal year 2025. This represents an increase of 30.9% from the prior year.

EPS (Diluted)
$2.03
YoY-9.4%
5Y CAGR+1.0%

Atlantic Un Bankshares Corp earned $2.03 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 9.4% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt
$966.5M
YoY+173.0%
5Y CAGR+14.4%
10Y CAGR+21.1%

Atlantic Un Bankshares Corp held $966.5M in cash against $771.9M in long-term debt as of fiscal year 2025.

Dividends Per Share
$1.39
YoY+6.9%
5Y CAGR+6.8%

Atlantic Un Bankshares Corp paid $1.39 per share in dividends in fiscal year 2025. This represents an increase of 6.9% from the prior year.

Shares Outstanding
143M
YoY+58.7%
5Y CAGR+12.6%

Atlantic Un Bankshares Corp had 143M shares outstanding in fiscal year 2025. This represents an increase of 58.7% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

Net Margin
15.0%
YoY-2.0pp
5Y CAGR-9.2pp
10Y CAGR-9.2pp

Atlantic Un Bankshares Corp's net profit margin was 15.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.0 percentage points from the prior year.

Return on Equity
5.5%
YoY-1.2pp
5Y CAGR-0.4pp
10Y CAGR-1.3pp

Atlantic Un Bankshares Corp's ROE was 5.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.2 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

None of these metrics is reported for fiscal year 2025.

AUB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AUB quarterly income statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Revenue$486.8M+3.2%$471.7M-6.0%$501.8M-0.3%$503.4M-1.4%$510.4M+66.9%$305.8M-4.2%$319.2M-1.6%$324.5M
SG&A Expenses$112.3M-1.0%$113.4M+4.6%$108.4M+0.1%$108.3M-1.5%$109.9M+45.8%$75.4M+5.8%$71.3M+2.7%$69.5M
Interest Expense$161.7M+1.5%$159.4M-7.2%$171.7M-6.8%$184.2M-2.5%$189.0M+55.3%$121.7M-10.5%$136.0M-4.0%$141.6M
Income Tax$43.5M+34.0%$32.4M+9.1%$29.8M+23.2%$24.1M+1148.3%-$2.3M-119.7%$11.7M-13.6%$13.5M-13.4%$15.6M
Net Income$161.0M+31.8%$122.2M+9.1%$112.0M+21.5%$92.1M+365.6%$19.8M-60.3%$49.8M-13.8%$57.8M-24.4%$76.4M
EPS (Diluted)$1.11+32.1%$0.84+3.7%$0.81+28.6%$0.63+425.0%$0.12$0.52-7.1%$0.56-31.7%$0.82

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

AUB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AUB quarterly balance sheet
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Total Assets$38.1B+2.1%$37.3B-0.7%$37.6B+1.4%$37.1B-0.6%$37.3B+51.4%$24.6B+0.2%$24.6B-0.9%$24.8B
Cash & Equivalents$990.3M+26.9%$780.1M-19.3%$966.5M+21.6%$794.7M-50.0%$1.6B+265.9%$434.1M+22.6%$354.1M-32.9%$528.1M
Goodwill$1.8B0.0%$1.8B+1.2%$1.7B+0.4%$1.7B+0.9%$1.7B+40.9%$1.2B0.0%$1.2B+0.1%$1.2B
Total Liabilities$32.9B+2.1%$32.3B-1.0%$32.6B+1.3%$32.2B-0.9%$32.5B+51.3%$21.4B0.0%$21.4B-0.8%$21.6B
Long-Term Debt$775.7M+0.1%$775.0M+0.4%$771.9M+0.4%$768.7M+0.4%$765.4M+82.8%$418.7M+0.1%$418.3M+0.1%$417.9M
Total Equity$5.2B+2.0%$5.1B+0.9%$5.0B+1.8%$4.9B+1.7%$4.8B+51.7%$3.2B+1.3%$3.1B-1.2%$3.2B
Retained Earnings$1.4B+8.4%$1.3B+5.6%$1.2B+5.0%$1.1B+3.7%$1.1B-2.8%$1.1B+1.5%$1.1B+2.3%$1.1B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

AUB Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AUB quarterly cash flow statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Operating Cash Flow$150.2M+17.9%$127.3M+11.2%$114.5M-27.1%$156.9M-91.8%$1.9B+2969.3%$62.0M-36.9%$98.3M+45.6%$67.5M
Investing Cash Flow-$525.1M-2364.8%$23.2M+107.1%-$327.5M+41.2%-$557.4M-816.8%$77.8M+706.4%$9.6M+179.1%-$12.2M-112.4%$98.7M
Financing Cash Flow$585.1M+273.7%-$336.8M-187.5%$384.8M+197.8%-$393.6M+52.4%-$827.2M-9960.2%$8.4M+103.2%-$260.1M-209.0%-$84.2M

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.

AUB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

AUB quarterly financial ratios
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Net Margin33.1%+7.2pp25.9%+3.6pp22.3%+4.0pp18.3%+14.4pp3.9%-12.4pp16.3%-1.8pp18.1%-5.4pp23.5%
Return on Equity3.1%+0.7pp2.4%+0.2pp2.2%+0.4pp1.9%+1.5pp0.4%-1.1pp1.6%-0.3pp1.8%-0.6pp2.4%
Return on Assets0.4%+0.1pp0.3%0.0pp0.3%+0.1pp0.3%+0.2pp0.1%-0.1pp0.2%0.0pp0.2%-0.1pp0.3%
Debt-to-Equity0.150.0x0.150.0x0.150.0x0.160.0x0.160.0x0.130.0x0.130.0x0.13

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

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Frequently Asked Questions

What is Atlantic Un Bankshares Corp's annual revenue?

Atlantic Un Bankshares Corp (AUB) reported $1.8B in total revenue for fiscal year 2025. This represents a 48.4% 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 48.4% year-over-year, from $1.2B to $1.8B in fiscal year 2025.

Is Atlantic Un Bankshares Corp profitable?

Yes, Atlantic Un Bankshares Corp (AUB) reported a net income of $273.7M in fiscal year 2025, with a net profit margin of 15.0%.

Atlantic Un Bankshares Corp (AUB) reported diluted earnings per share of $2.03 for fiscal year 2025. This represents a -9.4% 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.

As of fiscal year 2025, Atlantic Un Bankshares Corp (AUB) had $966.5M in cash and equivalents against $771.9M in long-term debt.

Atlantic Un Bankshares Corp (AUB) had a net profit margin of 15.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, Atlantic Un Bankshares Corp (AUB) paid $1.39 per share in dividends during fiscal year 2025.

Atlantic Un Bankshares Corp (AUB) has a return on equity of 5.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Atlantic Un Bankshares Corp (AUB) generated $2.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Atlantic Un Bankshares Corp (AUB) had $37.6B in total assets as of fiscal year 2025, including both current and long-term assets.

Atlantic Un Bankshares Corp (AUB) had 143M shares outstanding as of fiscal year 2025.

Atlantic Un Bankshares Corp (AUB) had a debt-to-equity ratio of 0.15 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Atlantic Un Bankshares Corp (AUB) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Atlantic Un Bankshares Corp (AUB) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Atlantic Un Bankshares Corp (AUB) has an earnings quality ratio of 8.17x, 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.

Atlantic Un Bankshares Corp (AUB) scores 56 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.

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