Short answer
Atlantic Union Bankshares Corp (AUB) filed its fiscal 2025 10-K annual report with the SEC on Feb 26, 2026. It reported revenue of $1.8B (+48.4% year over year) and net income of $274M.
- Top risk flagged: Regulatory risk: GENIUS Act (2025) on stablecoins may increase competition, depending on future U.S. Treasury and federal regulator rules
FY2025 key financial metrics · XBRL
- Revenue
- $1.8B
- +48.4% YoY
- Net income
- $274M
- +30.9% YoY
- EPS (diluted)
- $2.03
- −9.4% YoY
- ROE
- 5.5%
- −1.2 pp YoY
- Operating cash flow
- $2.2B
- +625.3% YoY
Source: XBRL data from the Atlantic Union Bankshares Corp (AUB) FY2025 10-K on SEC EDGAR. USD.
Atlantic Union Bankshares Corp FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business: Regional commercial banking focused on financial services and capital management
- New emphasis on ESG risks, highlighting divergent stakeholder views and "anti-ESG" regulatory challenges impacting operations and reputation
- Notable regulatory and market risk focus on climate change exposing loan portfolios to weather-related collateral devaluation and operational disruptions
- Outstanding subordinated debt and preferred stock totaling $772 million with seniority over common stock dividends and payments
- Market liquidity for common stock remains low with average trading volumes below larger institutions, risking share price volatility and shareholder dilution
Management Discussion & Analysis
- Contractual obligations $1.02B total; $101M due within 1 year, $923M after 1 year as of Dec 31, 2025
- Subordinated debt $608M due after 1 year; trust preferred capital notes $185M due after 1 year
- Leases total $156M; $25M due after 1 year with $131M within 1 year
- Repurchase agreements $75M due within 1 year
- Cash needed for these obligations expected from liquidity sources, future debt and capital issuances
Risk Factors
- Regulatory risk: GENIUS Act (2025) on stablecoins may increase competition, depending on future U.S. Treasury and federal regulator rules
- Macroeconomic risk: Regional concentration in VA, MD, DC, NC, SC exposes bank to local economic downturns worsening loan defaults
- Operational risk: Significant exposure to commercial real estate (CRE) loans with higher default risk due to economic conditions and regulatory scrutiny
- Market disruption risk: Competition from fintech and digital asset providers benefiting from lower regulatory oversight and faster, cross-border transactions
- Financial risk: Potential large deposit outflows amplified by technology enabling rapid fund transfers could impair liquidity and increase funding costs
Generated from the filing text; verify against the original. How to read a 10-K
Ask about this 10-K
Compare years, dig into a risk factor or check the numbers against insider trades and fund holders.