4Q and Full Year 2025 Earnings Presentation January 22, 2026 FORWARD-LOOKING STATEMENTS This presentation and statements by our management may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that include, without limitation, statements regarding our acquisition of Sandy Spring Bancorp, Inc. ("Sandy Spring") and expectations with regard to the benefits of the Sandy Spring acquisition, statements rega ...

分组1 - Atlantic Union (AUB) reported quarterly earnings of $0.97 per share, exceeding the Zacks Consensus Estimate of $0.86 per share, and up from $0.67 per share a year ago, representing an earnings surprise of +13.05% [1] - The company posted revenues of $391.79 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 2.91%, compared to year-ago revenues of $222.27 million [2] - Atlantic Union shares have increased approximately 13.3% since the beginning of the year, outperforming the S&P 500's gain of 0.4% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $0.86 on revenues of $379.47 million, and for the current fiscal year, it is $3.66 on revenues of $1.56 billion [7] - The Zacks Industry Rank for Banks - Northeast is currently in the top 33% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

Financial Performance - For Q4 2025, Atlantic Union reported net income of $109.0 million and adjusted operating earnings of $138.4 million, with diluted earnings per share of $0.77 and $0.97 respectively[1][2] - For the full year 2025, net income available to common shareholders was $261.8 million, with adjusted operating earnings of $444.8 million, resulting in diluted earnings per share of $2.03 and $3.44 respectively[2] - Net income available to common shareholders for Q4 2025 was $108,999,000, a 22.2% increase from $89,173,000 in Q3 2025[36] - Net income for Q4 2025 reached $111,966,000, a 21.5% increase from $92,140,000 in Q3 2025 and a 93.6% increase from $57,785,000 in Q4 2024[40] - Adjusted operating earnings available to common shareholders for the year ended 2025 were $444,842,000, up 75.9% from $252,826,000 in 2024[40] Revenue and Income - Total revenue (FTE) for the year ended December 31, 2025, reached $1,391,510,000, compared to $832,643,000 in the previous year, a significant increase of 67.2%[36] - Total adjusted revenue for the year ended 2025 was $1,365,919,000, a significant increase from $839,136,000 in 2024[40] - Noninterest income increased to $57.0 million in Q4 2025, up $5.2 million from the prior quarter, primarily due to a recovery from a prior loss related to the sale of commercial real estate loans[14] - Noninterest income for Q4 2025 was $57,000,000, up from $51,751,000 in Q3 2025 and $35,227,000 in Q4 2024[40] Assets and Liabilities - Total assets reached $37.6 billion at December 31, 2025, an increase of $513.0 million or approximately 5.5% from the prior quarter, and up $13.0 billion or approximately 52.9% from the previous year[20] - Total assets amounted to $37,585,754,000 as of December 31, 2025, up from $37,072,733,000 as of September 30, 2025, and significantly higher than $24,585,323,000 as of December 31, 2024[42] - Total deposits amounted to $30.5 billion, down $193.7 million or 2.5% from the prior quarter, but up $10.1 billion or 49.4% year-over-year, largely due to the addition of deposits from the Sandy Spring acquisition[24] - Total deposits decreased to $30,471,636,000 as of December 31, 2025, from $30,665,324,000 as of September 30, 2025, and increased from $20,397,619,000 as of December 31, 2024[42] Credit Quality - Nonperforming assets (NPAs) as a percentage of total loans held for investment (LHFI) decreased to 0.42% at December 31, 2025, down 7 basis points from the prior quarter[7] - The allowance for credit losses (ACL) was $321.3 million at December 31, 2025, reflecting a $1.3 million increase from the prior quarter, with an ACL to total LHFI ratio of 1.16%[10][11] - The Allowance for Credit Losses (ACL) increased to $321,269 thousand, up from $193,685 thousand year-over-year, reflecting a growth of 65.9%[38] - The Ending balance of the Allowance for Loan and Lease Losses (ALLL) was $295,108 thousand, compared to $178,644 thousand in the previous year, representing a 65.5% increase[38] Efficiency and Ratios - The efficiency ratio for Q4 2025 improved to 62.09%, down from 63.52% in Q3 2025, indicating better cost management[36] - Return on average assets (ROA) for Q4 2025 was 1.19%, up from 0.98% in Q3 2025, showing improved asset utilization[36] - Common equity Tier 1 capital ratio improved to 10.10% as of December 31, 2025, compared to 9.92% in the prior quarter and 9.96% a year earlier[26] - Adjusted operating return on average equity (ROE) for the year ended 2025 was 11.33%, up from 10.00% in 2024[40] Acquisitions and Integration - Preliminary goodwill from the Sandy Spring acquisition was $519.2 million as of December 31, 2025, with a $22.4 million increase due to measurement period adjustments[21] - The company is focused on integrating the Sandy Spring acquisition and expects to realize benefits from this and the American National acquisition in the future[33] Economic Outlook - The company anticipates potential impacts from economic conditions, interest rate changes, and competition in the financial services sector, which may affect future performance[34]

RICHMOND, Va.--(BUSINESS WIRE)--4Q 2025 and FY 2025 earnings release. ...

Core Viewpoint - Atlantic Union (AUB) is expected to report quarterly earnings of $0.86 per share, reflecting a 28.4% increase year-over-year, with revenues projected at $380.7 million, a 71.3% increase compared to the previous year [1]. Earnings Projections - The consensus EPS estimate for the quarter has remained unchanged over the past 30 days, indicating analysts' reassessment of their initial projections [1][2]. Key Financial Metrics - Analysts predict an 'Efficiency Ratio' of 52.5%, down from 59.4% in the same quarter last year [4]. - The 'Net Interest Margin' is expected to reach 3.9%, compared to 3.3% in the same quarter of the previous year [4]. - The estimated 'Average Balance - Total earning assets' is projected at $33.61 billion, up from $22.37 billion in the same quarter last year [5]. - 'Total Non Interest Income' is expected to be $52.85 million, compared to $35.23 million in the same quarter last year [5]. Income Estimates - The consensus for 'Net interest income (FTE)' stands at $327.08 million, significantly higher than the year-ago figure of $187.04 million [6]. - 'Interchange fees, net' are expected to reach $3.99 million, up from $3.34 million year-over-year [6]. - 'Bank owned life insurance income' is projected at $5.07 million, compared to $3.56 million last year [6]. Additional Income Projections - 'Fiduciary and asset management fees' are forecasted to be $18.49 million, compared to $6.93 million in the same quarter last year [7]. - 'Other operating income' is estimated at $4.26 million, up from $3.74 million in the same quarter last year [7]. - 'Service charges on deposit accounts' are expected to reach $12.91 million, compared to $9.83 million last year [8]. - 'Loan-related interest rate swap fees' are projected at $4.31 million, down from $5.08 million year-over-year [8]. Stock Performance - Atlantic Union shares have increased by 4.3% over the past month, outperforming the Zacks S&P 500 composite, which rose by 2% [8].

Group 1 - Atlantic Union Bankshares (AUB) is highlighted as a compelling stock for investors seeking growth, value, and yield, particularly for income-focused investors due to its 15 consecutive years of dividend growth [3] - The bank has recently raised its quarterly dividend payout, indicating strong dividend momentum [3] - The Relative Strength Rating (RS Rating) for Atlantic Union Bankshares has shown improvement, with ratings climbing to 74, 72, 81, and 82 in recent assessments, reflecting enhanced technical performance [4][6][7]

Core Insights - SolaREIT has expanded its revolving credit facility to $80 million, marking the fourth increase in three years, indicating strong market confidence in its business model and the demand for solar and battery storage financing solutions [1][2] Company Overview - SolaREIT is a renewable energy real estate investment company based in Virginia, focused on providing financing solutions for solar and battery energy storage developers. It was founded in 2020 and is a minority and women-owned business [4] Financial Developments - The expanded credit facility allows SolaREIT to meet the increasing demand from solar and battery energy storage developers, providing additional capital to support project development [2][3] - Since its inception, SolaREIT has financed land for projects totaling under $5 billion, showcasing its significant role in the renewable energy sector [3] Partnerships - SolaREIT continues to strengthen its partnerships with Atlantic Union Bank and EagleBank, which are crucial for providing financing solutions to energy storage and solar developers [3][4] - The financial community's confidence in SolaREIT's business model is reflected in the support from these banking partners, which enhances SolaREIT's ability to scale its operations [3][5]

Core Insights - The company is preparing for its 4Q and FY 2025 earnings conference call, indicating a focus on financial performance and strategic outlook for the upcoming fiscal year [1] Group 1 - The earnings conference call will provide insights into the company's financial results for the fourth quarter and the full fiscal year 2025 [1]

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Group 1 - The presentation is led by William Cimino, Senior VP & Director of Investor Relations, welcoming both in-person and online attendees [1] - The slide presentation is available for download on the investor website, with instructions provided for both online viewers and in-person attendees [2] - Financial performance will be discussed using both GAAP metrics and non-GAAP financial measures, with important information about these measures included in the appendix [3]