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Here's What Key Metrics Tell Us About Atlantic Union (AUB) Q3 Earnings

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For the quarter ended September 2026, Atlantic Union (AUB - Free Report) reported revenue of $387.91 million, up 3.3% over the same period last year. EPS came in at $0.96, compared to $0.84 in the year-ago quarter.

The reported revenue represents a surprise of -1% over the Zacks Consensus Estimate of $391.81 million. With the consensus EPS estimate being $0.96, the company has not delivered EPS surprise.

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: 53.3% versus 50.7% estimated by five analysts on average.
  • Net Interest Margin: 3.8% compared to the 3.9% average estimate based on five analysts.
  • Net charge-offs / total average LHFI (annualized): 0% versus 0.1% estimated by five analysts on average.
  • Average Balance - Total earning assets: $34.09 billion compared to the $34.11 billion average estimate based on four analysts.
  • Tier 1 capital ratio: 10.9% versus the two-analyst average estimate of 10.9%.
  • Total capital ratio: 14.6% compared to the 14% average estimate based on two analysts.
  • Total Noninterest Income: $54.79 million versus the five-analyst average estimate of $57.34 million.
  • Fiduciary and asset management fees: $20.45 million versus the four-analyst average estimate of $21.13 million.
  • Bank owned life insurance income: $5.95 million versus the four-analyst average estimate of $5.43 million.
  • Mortgage banking income, net: $1.53 million compared to the $2.5 million average estimate based on four analysts.
  • Net interest income (FTE): $333.12 million compared to the $334.83 million average estimate based on four analysts.
  • Interchange fees, net: $3.7 million versus $4 million estimated by four analysts on average.

View all Key Company Metrics for Atlantic Union here>>>

Shares of Atlantic Union have returned -2.9% 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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