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Regional banking company Atlantic Union Bankshares (NYSE:AUB) fell short of the market’s revenue expectations in Q1 CY2025, but sales rose 20.5% year on year to $213.3 million. Its non-GAAP profit of $0.57 per share was 19% below analysts’ consensus estimates.
Is now the time to buy AUB? Find out in our full research report (it’s free).
Atlantic Union Bankshares' first quarter saw operational resilience despite missing Wall Street’s revenue and profit expectations. Management pointed to a 12-basis-point expansion in net interest margin and lower deposit costs as partial offsets to seasonal loan softness and increased provision for loan losses. CEO John Asbury highlighted that higher loan loss reserves were driven by “increased uncertainty in the economic outlook and elevated risk of a national recession,” reflecting management’s cautious stance amid macro volatility. The quarter also included strategic deposit growth and stable credit quality, but results reflected the challenges of a complex and shifting policy environment.
Looking ahead, management’s outlook is shaped by the integration of the Sandy Spring acquisition, expectations for stable asset quality, and macroeconomic uncertainty. CFO Rob Gorman projected that the accelerated merger timeline would bring forward cost synergies, with full transaction cost savings now expected by October 2025. At the same time, Asbury noted, “we are not forecasting a recession,” but emphasized that ongoing trade policy shifts and potential federal government cutbacks could impact loan demand and risk. The company is maintaining a focus on soundness and profitability while positioning itself to capitalize on growth opportunities in its expanded regional footprint.
Management attributed the quarter’s performance to net interest margin expansion, prudent reserve building, and early steps in integrating Sandy Spring. The team also highlighted the impact of market volatility and policy changes on loan and deposit trends.
Atlantic Union Bankshares’ guidance is shaped by the integration of Sandy Spring, macroeconomic headwinds, and the evolving interest rate landscape.
Looking forward, the StockStory team will be watching (1) the pace and impact of Sandy Spring integration, including system conversion and cost synergies, (2) execution and pricing of the $2 billion commercial real estate loan sale, and (3) loan and deposit growth trends across the expanded Mid-Atlantic footprint. Stability in asset quality and management’s ability to navigate macro uncertainty will also be key to tracking future performance.
Atlantic Union Bankshares currently trades at $30.65, in line with $30.94 just before the earnings. At this price, is it a buy or sell? See for yourself in our full research report (it’s free).
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