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

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.

Atlantic Un Bankshares Corp Financials

AUB

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 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 17 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 2026-05-05

Balance-sheet growth lifted revenue to $1.82B, but returns on assets and equity kept slipping.

Over the last two years, total assets expanded from $21.2B to $37.6B, even as reported revenue climbed sharply. Yet ROA fell from 1.0% to 0.7%, showing the bigger franchise is generating a lower earnings yield on each dollar of assets rather than simply turning scale into proportionally better returns.

Net income rose to $273.7M after two softer years. But diluted EPS fell to $2.03 as the share count jumped, so the income rebound did not translate into the same improvement for each individual shareholder's claim on earnings.

In the latest year, operating cash flow reached $2.24B while net income was only $273.7M. In a balance-sheet-heavy lender, that spread often reflects funding and asset movements running through cash flow, so this cash surge says more about balance-sheet repositioning than about a sudden step-change in recurring profitability.

Financial Health Signals

Financial Profile 37/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Atlantic Un Bankshares Corp's revenue surged 48.4% year-over-year to $1.8B, reflecting rapid business expansion. This strong growth earns a score of 97/100.

Leverage

Atlantic Un Bankshares Corp carries a low D/E ratio of 0.15, meaning only $0.15 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Returns

Atlantic Un Bankshares Corp generates a 5.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is down from 6.7% the prior year.

Piotroski F-Score Weak

3/9

Atlantic Un Bankshares Corp passes 3 of 9 financial strength tests. 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.

EBITDA

N/A

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%

10Y CAGR+3.1%

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.

Cash & Balance Sheet

Free Cash Flow

N/A

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%

10Y CAGR+7.4%

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

142M

YoY+57.9%

5Y CAGR+12.5%

10Y CAGR+12.2%

Atlantic Un Bankshares Corp had 142M shares outstanding in fiscal year 2025. This represents an increase of 57.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

AUB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.8B+48.4%	$1.2B+28.6%	$954.5M+44.5%	$660.4M+11.5%	$592.4M-9.3%	$653.5M
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	$402.1M+48.3%	$271.2M+14.6%	$236.7M+3.4%	$228.9M+6.5%	$214.9M+4.0%	$206.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$666.6M+26.0%	$529.0M+54.0%	$343.4M+350.9%	$76.2M+85.3%	$41.1M-58.1%	$98.2M
Income Tax	$63.3M+24.9%	$50.7M+33.0%	$38.1M-16.2%	$45.4M-17.1%	$54.8M+95.4%	$28.1M
Net Income	$273.7M+30.9%	$209.1M+3.6%	$201.8M-13.9%	$234.5M-11.1%	$263.9M+66.8%	$158.2M
EPS (Diluted)	$2.03-9.4%	$2.24-11.5%	$2.53-14.8%	$2.97-8.9%	$3.26+68.9%	$1.93

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$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+1.1%	$320.9M
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	$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+1.3%	$68.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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+3.8%	$136.4M
Income Tax	$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+36.7%	$11.4M
Net Income	$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+203.7%	$25.2M
EPS (Diluted)	$0.84	N/A	$0.63+425.0%	$0.12-76.9%	$0.52	N/A	$0.82+228.0%	$0.25

AUB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$37.6B+52.9%	$24.6B+16.2%	$21.2B+3.4%	$20.5B+2.0%	$20.1B+2.2%	$19.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$966.5M+173.0%	$354.1M-6.4%	$378.1M+18.2%	$319.9M-60.1%	$802.5M+62.7%	$493.3M
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	$1.7B+42.8%	$1.2B+31.2%	$925.2M0.0%	$925.2M-1.1%	$935.6M0.0%	$935.6M
Total Liabilities	$32.6B+51.9%	$21.4B+15.2%	$18.6B+2.9%	$18.1B+4.2%	$17.4B+2.6%	$16.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$771.9M+84.5%	$418.3M+7.0%	$391.0M+0.3%	$389.9M+0.3%	$388.7M-20.6%	$489.8M
Total Equity	$5.0B+59.3%	$3.1B+22.9%	$2.6B+7.7%	$2.4B-12.4%	$2.7B+0.1%	$2.7B
Retained Earnings	$1.2B+7.4%	$1.1B+8.4%	$1.0B+10.7%	$919.5M+17.3%	$783.8M+27.2%	$616.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$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+0.2%	$24.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+18.4%	$446.0M
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	$1.8B+1.2%	$1.7B+0.4%	$1.7B+0.9%	$1.7B+40.9%	$1.2B0.0%	$1.2B+0.1%	$1.2B+0.4%	$1.2B
Total Liabilities	$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-0.4%	$21.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$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+0.3%	$416.6M
Total Equity	$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+4.6%	$3.0B
Retained Earnings	$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+4.3%	$1.0B

AUB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$2.2B+625.3%	$308.5M+10.9%	$278.0M-33.7%	$419.7M+24.2%	$337.8M+45.6%	$231.9M
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	-$797.4M-169.7%	-$295.7M+51.0%	-$603.3M+52.8%	-$1.3B-269.8%	-$345.4M+82.0%	-$1.9B
Financing Cash Flow	-$827.6M-2147.3%	-$36.8M-109.6%	$383.4M+2.2%	$375.2M+18.4%	$316.9M-81.8%	$1.7B
Dividends Paid	N/A	N/A	N/A	$86.9M+3.1%	$84.3M+6.9%	$78.9M
Share Buybacks	N/A	$0	$0-100.0%	$48.2M-61.4%	$125.0M+150.6%	$49.9M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$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-21.2%	$85.6M
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	$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+159.0%	-$167.3M
Financing Cash Flow	-$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-164.2%	$131.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

AUB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	15.0%-2.0pp	17.0%-4.1pp	21.1%-14.4pp	35.5%-9.0pp	44.5%+20.3pp	24.2%
Return on Equity	5.5%-1.2pp	6.7%-1.2pp	7.9%-2.0pp	9.9%+0.1pp	9.7%+3.9pp	5.8%
Return on Assets	0.7%-0.1pp	0.9%-0.1pp	0.9%-0.2pp	1.1%-0.2pp	1.3%+0.5pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.15+0.0	0.13-0.0	0.15-0.0	0.16+0.0	0.14-0.0	0.18
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	25.9%+3.6pp	22.3%+4.0pp	18.3%+14.4pp	3.9%-12.4pp	16.3%-1.8pp	18.1%-5.4pp	23.5%+15.7pp	7.8%
Return on Equity	2.4%+0.2pp	2.2%+0.4pp	1.9%+1.5pp	0.4%-1.1pp	1.6%-0.3pp	1.8%-0.6pp	2.4%+1.6pp	0.8%
Return on Assets	0.3%+0.0pp	0.3%+0.1pp	0.3%+0.2pp	0.1%-0.1pp	0.2%-0.0pp	0.2%-0.1pp	0.3%+0.2pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.150.0	0.150.0	0.160.0	0.16+0.0	0.130.0	0.130.0	0.130.0	0.14
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 $1.8B 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%.

How much debt does Atlantic Un Bankshares Corp have?

As of fiscal year 2025, Atlantic Un Bankshares Corp (AUB) had $966.5M in cash and equivalents against $771.9M 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 15.0% in fiscal year 2025, 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 $1.39 per share in dividends during fiscal year 2025.

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

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.

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

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

What are Atlantic Un Bankshares Corp's total assets?

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

How many shares does Atlantic Un Bankshares Corp have outstanding?

Atlantic Un Bankshares Corp (AUB) had 142M shares outstanding as of fiscal year 2025.

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

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.

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

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.

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

Atlantic Un Bankshares Corp (AUB) has a Piotroski F-Score of 3 out of 9, indicating weak 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 to 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 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.

How financially healthy is Atlantic Un Bankshares Corp?

Atlantic Un Bankshares Corp (AUB) scores 37 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.