Atlantic Union Bankshares (AUB) Q3 FY2025 earnings: revenue $371 million, up 70.8% on the year

Atlantic Union Bankshares Corp. (AUB) reported revenue of $371 million for Q3 FY2025, the quarter ended 30 September 2025, up 70.8% on the same quarter a year earlier. Net income was $92 million, up 20.6% on the year, and diluted earnings per share $0.63. The figures are the company's own, from the 10-Q it filed with the SEC on 4 November 2025.

Revenue$371 millionup 70.8%

Net income$92 millionup 20.6%

Diluted EPS$0.63

QuarterQ3 FY2025ended 30 September 2025

The quarter, against the one before and a year earlier

Line	Q3 FY2025	Q2 FY2025	Q3 FY2024	Change on the year
Revenue	371	403	217	+70.8%
Pre-tax income	116	17.5	92.0	+26.3%
Income tax	24.1	-2.3	15.6	+54.6%
Effective tax rate	20.8%	-13.2%	17.0%
Net income	92.1	19.8	76.4	+20.6%
Net margin	24.8%	4.9%	35.2%
Diluted EPS	$0.63	$0.12	$0.82	-23.2%

$ million except per share.

Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

Line	Q3 FY2025	Q2 FY2025	Q3 FY2024	Change on the year
Operating cash flow	157	1,904	67.5	+132.5%
Capital expenditure	8.4	n/a	3.4	+143.1%
Free cash flow	149	n/a	64.1	+131.9%
Cash from investing	-557	77.8	98.7	n/a
Cash from financing	-394	-827	-84.2	n/a
Depreciation and amortisation	23.0	23.1	9.1	+154.2%
Dividend per share	$0.34	$0.34	$0.32	+6.3%
Diluted shares, weighted	142m	142m	90m	+58.1%
Shares outstanding at period end	142m	142m	90m	+57.9%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q3 FY2025	Q2 FY2025	Q3 FY2024	Change on the year
Shareholders' equity	4,917	4,833	3,182	+54.5%
Deposits	30,665	30,972	20,305	+51.0%
Short-term borrowings	91.6	127	434	-78.9%
Debt	769	765	418	+83.9%
Other liabilities	630	592	464	+35.8%
Total liabilities and equity	37,073	37,289	24,804	+49.5%
Fixed assets	168	165	115	+46.2%
Goodwill	1,726	1,711	1,213	+42.4%
Intangible assets	333	351	90.2	+269.5%
Securities held for sale or to maturity	5,151	4,636	3,415	+50.8%
Cash and equivalents	795	1,589	528	+50.5%
Other assets	28,899	28,837	19,442	+48.6%
Total assets	37,073	37,289	24,804	+49.5%

Questions

What was Atlantic Union Bankshares' revenue in Q3 FY2025?

Atlantic Union Bankshares (AUB) reported revenue of $371 million for Q3 FY2025, the quarter ended 30 September 2025, up 70.8% on the same quarter a year earlier.

How much did Atlantic Union Bankshares earn in Q3 FY2025?

Net income for Q3 FY2025 was $92 million, up 20.6% on the year, and diluted earnings per share $0.63.

When did Atlantic Union Bankshares report Q3 FY2025 results?

Atlantic Union Bankshares filed its 10-Q for the quarter ended 30 September 2025 with the SEC on 4 November 2025.

Quarterly results, the last 12 quarters

	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	179	184	173	208	217	218	213	403	371	387	367	415
Interest expense	95.2	106	115	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	65.5	66.9	59.9	36.6	92.0	71.3	61.5	17.5	116	142	155	204
Tax rate	18%	15%	17%	31%	17%	19%	19%	-13%	21%	21%	21%	21%
Net income	54.0	56.9	49.8	25.2	76.4	57.8	49.8	19.8	92.1	112	122	161
Net margin	30%	31%	29%	12%	35%	26%	23%	5%	25%	29%	33%	39%
Diluted EPS	$0.68	$0.72	$0.62	$0.25	$0.82	n/a	$0.52	$0.12	$0.63	$0.77	$0.84	$1.11
Operating cash flow	85.7	48.4	57.0	85.6	67.5	98.3	62.0	1,904	157	114	127	150
Capital expenditure	0.6	1.3	2.1	1.0	3.4	0.8	2.4	n/a	8.4	3.5	7.0	6.4
Free cash flow	85.0	47.1	54.9	84.7	64.1	97.4	59.6	n/a	149	111	120	144
Buybacks	0.0	0.0	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Dividends paid	22.5	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Shares outstanding	75m	75m	75m	90m	90m	90m	89m	142m	142m	142m	142m	142m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Source

10-Q for the period ended 30 September 2025, filed 4 November 2025, accession 0000883948-25-000108: the filing on EDGAR. All of Atlantic Union Bankshares Corp.'s filings: EDGAR company page.

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