For the quarter ended December 2025, Atlantic Union (AUB) reported revenue of $391.79 million, up 76.3% over the same period last year. EPS came in at $0.97, compared to $0.67 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $380.7 million, representing a surprise of +2.91%. The company delivered an EPS surprise of +13.05%, with the consensus EPS estimate being $0.86.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: 62.8% versus 52.5% estimated by four analysts on average.
- Net Interest Margin: 3.9% versus the four-analyst average estimate of 3.9%.
- Average Balance - Total earning assets: $33.56 billion versus $33.61 billion estimated by four analysts on average.
- Net charge-offs / total average LHFI (annualized): 0% versus the three-analyst average estimate of 0.1%.
- Total Non Interest Income: $57 million compared to the $52.85 million average estimate based on four analysts.
- Net interest income (FTE): $334.79 million versus $327.08 million estimated by four analysts on average.
- Interchange fees, net: $3.66 million versus the three-analyst average estimate of $3.99 million.
- Bank owned life insurance income: $5.04 million versus $5.07 million estimated by three analysts on average.
- Fiduciary and asset management fees: $19.85 million versus $18.49 million estimated by three analysts on average.
- Other operating income: $4.52 million compared to the $4.26 million average estimate based on two analysts.
- Service charges on deposit accounts: $11.74 million versus $12.91 million estimated by two analysts on average.
- Loan-related interest rate swap fees: $8.38 million compared to the $4.31 million average estimate based on two analysts.
View all Key Company Metrics for Atlantic Union here>>>
Shares of Atlantic Union have returned +9.3% over the past month versus the Zacks S&P 500 composite's +0.7% 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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