Monitor net interest margin trajectory in upcoming quarters as the impact of Fed rate cuts continues to affect loan yields, and watch for further cost savings as the Sandy Spring integration is now complete.
Price Chart
Executive Summary
Atlantic Union Bankshares reported Q1 2026 earnings with diluted EPS of $0.84, up from $0.77 in Q4 2025, driven by a $33.4 million decrease in noninterest expenses, primarily due to lower merger-related costs. Net interest income declined $17.8 million due to lower loan accretion income and variable-rate loan yields following prior Fed rate cuts, while asset quality remained strong and the company maintained its dividend.
Key Financial Metrics
Key Facts
- Net income available to common shareholders was $119.2 million, up from $109.0 million in Q4 2025
- Noninterest expense decreased $33.4 million to $209.8 million, driven by a $29.6 million decline in pre-tax merger-related costs
- Net interest income declined $17.8 million to $312.4 million due to lower loan accretion income and variable-rate loan yields
- Nonperforming assets as a percentage of total loans decreased 6 basis points to 0.36%
- Company maintained quarterly common dividend at $0.37 per share
Financial Impact
Net income increased $10.2 million sequentially while noninterest expenses dropped $33.4 million
Risk Factors
- Net interest income declined due to lower loan accretion income and variable-rate loan yields
- Provision for credit losses increased to $2.7 million from $2.2 million in prior quarter
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000883948-26-000030 |
| Document: aub-20260421xex99d2.htm | 0000883948-26-000030 |
| Document: aub-20260421x8k.htm | 0000883948-26-000030 |
| Document: 0000883948-26-000030-index-headers.html | 0000883948-26-000030 |
| Document: 0000883948-26-000030-index.html | 0000883948-26-000030 |
| Document: 0000883948-26-000030.txt | 0000883948-26-000030 |
| 8-K Data (Synthetic) | 0000883948-26-000030 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 8-K | $40.06 | awaiting T+60 | — | $39.56 (−1.25%) |
Oct 22, 2026 4d ago | 144 | $39.89 | awaiting T+60 | — | $39.56 (−0.83%) |
Oct 20, 2026 7d ago | 8-K | $38.21 | awaiting T+60 | — | $39.56 (+3.53%) |
Sep 29, 2026 28d ago | 8-K | $38.00 | awaiting T+60 | — | $39.56 (+4.11%) |
Jul 29, 2026 12w ago | 424B5 | $42.62 $40.10 | ▼ −5.91% | ▼ −10.64% | $39.56 (−7.18%) |
Jul 27, 2026 13w ago | 8-K / 424B5 | $42.17 $37.76 | ▼ −10.46% | ▼ −14.16% | $39.56 (−6.19%) |
Jul 23, 2026 13w ago | 8-K | $42.23 $37.76 | ▼ −10.58% | ▼ −14.31% | $39.56 (−6.32%) |
Jul 22, 2026 13w ago | 8-K | $42.34 $38.30 | ▼ −9.54% | ▼ −12.80% | $39.56 (−6.57%) |
Jul 21, 2026 14w ago | 8-K | $42.81 $37.50 | ▼ −12.40% | ▼ −16.38% | $39.56 (−7.59%) |
Jun 30, 2026 17w ago | 8-K | $42.31 $38.25 | ▼ −9.60% | ▼ −13.16% | $39.56 (−6.50%) |
US Market Status
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