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Atlantic Union Bankshares (AUB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · Atlantic Union Bankshares (AUB) Q3 2026 earnings results →
Q3 2026 Revenue up 3% year over year to $383M · 36¢ of every $1 of revenue kept as net profit · operating margin 45.2%
Atlantic Union Bankshares made $383M in Q3 2026 (+3% Y/Y): Net interest income $328M, Noninterest income $54.8M. Operating margin 45.2%, net earnings $137M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.
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What changed this quarter
Revenue was $383.2M in Q3 2026, up 3% year over year and down 8% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $9.2M year over year (up 3%), 75% of the total change.
Operating profit was $173.2M, a 45.2% margin (up 13.8 points year over year). Of the extra revenue versus a year earlier, 464% reached operating profit, above the 31% margin then. Total costs fell 18% while revenue rose 3%. Net earnings were $136.6M, up 48% year over year. The effective tax rate was 21.1%.
Operating cash flow was $182.5M (up 16% year over year), 134% of net earnings. Non-cash charges added back $20.0M of depreciation and amortization. Working capital and other items added $25.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 3, 2026 | $383M | +3% | 45.2% | $137M | $182M |
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About Atlantic Union Bankshares
Headquartered in Richmond, Virginia, Atlantic Union Bankshares Corporation (NYSE: AUB) is the holding company for Atlantic Union Bank. Atlantic Union Bank has branches and ATMs located in Virginia, Maryland, North Carolina and Washington, D.C. Certain non-bank financial services affiliates of Atlantic Union Bank include: Atlantic Union Equipment Finance, Inc., which provides equipment financing; AUB Investments, Inc., which provides investment services; and Atlantic Union Capital Markets, Inc., which provides capital market services.
In its own words, from its 8-K, filed Jul 21, 2026.
Atlantic Union Bankshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +10%. Operating margin: 45.2% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| AUB Atlantic Union Bankshares | Q3 2026 | $383M | +3% | 45.2% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Atlantic Union Bankshares 10-Q on SEC EDGAR · CIK 883948 · State Commercial Banks
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Every quarter: Q3 2026 results