Atlantic Union (AUB) reported $375.38 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 69.8%. EPS of $0.84 for the same period compares to $0.83 a year ago.
The reported revenue represents a surprise of -0.7% over the Zacks Consensus Estimate of $378.01 million. With the consensus EPS estimate being $0.85, the EPS surprise was -1.18%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Atlantic Union performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 64.3% versus 52% estimated by four analysts on average.
- Net Interest Margin: 3.8% compared to the 3.9% average estimate based on four analysts.
- Average Balance - Total earning assets: $33.56 billion versus $33.69 billion estimated by four analysts on average.
- Net charge-offs / total average LHFI (annualized): 0.6% versus 0.2% estimated by three analysts on average.
- Total Non Interest Income: $51.75 million versus the four-analyst average estimate of $50.32 million.
- Net interest income (FTE): $323.63 million versus $327.02 million estimated by four analysts on average.
- Interchange fees, net: $4.09 million versus $3.81 million estimated by three analysts on average.
- Bank owned life insurance income: $5.12 million compared to the $5.05 million average estimate based on three analysts.
- Fiduciary and asset management fees: $18.6 million versus the three-analyst average estimate of $17.9 million.
- Service charges on deposit accounts: $12.84 million compared to the $13.16 million average estimate based on three analysts.
- Other operating income: $0.06 million compared to the $3.85 million average estimate based on two analysts.
- Loan-related interest rate swap fees: $5.91 million versus the two-analyst average estimate of $2.13 million.
View all Key Company Metrics for Atlantic Union here>>>
Shares of Atlantic Union have returned -4.6% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Atlantic Union Bankshares Corporation (AUB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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