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Atlantic Union (AUB) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
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For the quarter ended March 2025, Atlantic Union (AUB - Free Report) reported revenue of $217.08 million, up 22.6% over the same period last year. EPS came in at $0.57, compared to $0.65 in the year-ago quarter.
The reported revenue represents a surprise of -1.64% over the Zacks Consensus Estimate of $220.7 million. With the consensus EPS estimate being $0.69, the EPS surprise was -17.39%.
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.
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: 62.9% versus the three-analyst average estimate of 56.1%.
Net Interest Margin: 3.4% compared to the 3.4% average estimate based on three analysts.
Net charge-offs / total average LHFI (annualized): 0.1% versus 0.1% estimated by three analysts on average.
Average Balance - Total earning assets: $22.11 billion versus the three-analyst average estimate of $22.43 billion.
Total Non Interest Income: $29.16 million versus $32.58 million estimated by three analysts on average.
Bank owned life insurance income: $3.54 million versus the three-analyst average estimate of $3.52 million.
Service charges on deposit accounts: $9.68 million versus $10.02 million estimated by three analysts on average.
Interchange fees, net: $2.95 million versus $3.13 million estimated by three analysts on average.
Net interest income (FTE): $187.92 million versus the three-analyst average estimate of $188.12 million.
Fiduciary and asset management fees: $6.70 million compared to the $6.97 million average estimate based on three analysts.
Other operating Income: $1.26 million versus the two-analyst average estimate of $3.17 million.
Loan-related interest rate swap fees: $2.40 million versus $3.81 million estimated by two analysts on average.
Shares of Atlantic Union have returned -17.4% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Atlantic Union (AUB) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended March 2025, Atlantic Union (AUB - Free Report) reported revenue of $217.08 million, up 22.6% over the same period last year. EPS came in at $0.57, compared to $0.65 in the year-ago quarter.
The reported revenue represents a surprise of -1.64% over the Zacks Consensus Estimate of $220.7 million. With the consensus EPS estimate being $0.69, the EPS surprise was -17.39%.
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.
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: 62.9% versus the three-analyst average estimate of 56.1%.
- Net Interest Margin: 3.4% compared to the 3.4% average estimate based on three analysts.
- Net charge-offs / total average LHFI (annualized): 0.1% versus 0.1% estimated by three analysts on average.
- Average Balance - Total earning assets: $22.11 billion versus the three-analyst average estimate of $22.43 billion.
- Total Non Interest Income: $29.16 million versus $32.58 million estimated by three analysts on average.
- Bank owned life insurance income: $3.54 million versus the three-analyst average estimate of $3.52 million.
- Service charges on deposit accounts: $9.68 million versus $10.02 million estimated by three analysts on average.
- Interchange fees, net: $2.95 million versus $3.13 million estimated by three analysts on average.
- Net interest income (FTE): $187.92 million versus the three-analyst average estimate of $188.12 million.
- Fiduciary and asset management fees: $6.70 million compared to the $6.97 million average estimate based on three analysts.
- Other operating Income: $1.26 million versus the two-analyst average estimate of $3.17 million.
- Loan-related interest rate swap fees: $2.40 million versus $3.81 million estimated by two analysts on average.
View all Key Company Metrics for Atlantic Union here>>>Shares of Atlantic Union have returned -17.4% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.