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Atlantic Union Bankshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$182M in Q3 2026 · $574M over twelve months

Operating cash flow$182M
Free cash flow+$182M
Cash / net income1.3×

Analysis

In Q3 2026, Atlantic Union Bankshares generated $182M of operating cash flow. That is $25.5M more than in Q3 2025 ($157M).

Over the twelve months to Sep 30, 2026, operating cash flow was $574M; the largest uses were other investing ($1.4B), dividends ($223M), taxes on employees’ shares ($8.1M); besides operations, cash came from net borrowing (+) / repaid (−) ($505M), other financing ($476M); the cash balance fell by $93.9M.

Operating cash flow was $182M against net income of $137M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$113M, prepaid and other assets −$88.4M, deferred taxes +$27.1M.

Free cash flow

Atlantic Union Bankshares: free cash flow by quarterAtlantic Union Bankshares: free cash flow by quarter$98.3MQ4 2024$62.0MQ1 2025$1.9BQ2 2025$157MQ3 2025$114MQ4 2025$127MQ1 2026$150MQ2 2026$182MQ3 2026
Operating cash flow less capital spending.
Atlantic Union Bankshares: operating cash flow against capital spendingAtlantic Union Bankshares: operating cash flow against capital spendingOperating cash flowCapital spending$98.3M$0Q4 2024$62.0M$0Q1 2025$1.9B$0Q2 2025$157M$0Q3 2025$114M$0Q4 2025$127M$0Q1 2026$150M$0Q2 2026$182M$0Q3 2026
Latest (Q3 2026): Operating cash flow $182M, Capital spending $0.

Capital allocation, year by year

Atlantic Union Bankshares: where the cash came from (up) and went (down), by fiscal yearAtlantic Union Bankshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedBuybacksDividendsFY2021: Operating cash flow $338MFY2021: Net borrowing −$351MFY2021: Shares issued $6.2MFY2021: Buybacks −$125MFY2021: Dividends −$84.3M$344MFY2021FY2022: Operating cash flow $420MFY2022: Net borrowing $1.2BFY2022: Shares issued $7.8MFY2022: Buybacks −$48.2MFY2022: Dividends −$86.9M$1.6BFY2022FY2023: Operating cash flow $278MFY2023: Net borrowing −$398MFY2023: Shares issued $1.6MFY2023: Dividends −$103M$280MFY2023FY2024: Operating cash flow $308MFY2024: Net borrowing −$903MFY2024: Shares issued $456KFY2024: Dividends −$124M$309MFY2024FY2025: Operating cash flow $2.2BFY2025: Net borrowing $137MFY2025: Dividends −$192M$2.4BFY2025
Over these 5 years operating cash flow totalled $3.6B; the largest uses were net borrowing ($1.7B) and dividends ($590M). Cash-flow statements as filed.

Where the cash came from and went

Atlantic Union Bankshares: sources (+) and uses (−) of cash, Q3 2026Atlantic Union Bankshares: sources (+) and uses (−) of cash, Q3 2026Other financing$744MOther investing−$588MNet borrowing (+) / repaid (−)−$509MCash drawn (+) / kept (−)$290MOperating cash flow$182MBuybacks−$62.5MDividends−$55.8MTaxes on employees’ shares−$540K
Atlantic Union Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Atlantic Union Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.4BOperating cash flow$574MNet borrowing (+) / repaid (−)$505MOther financing$476MDividends−$223MCash drawn (+) / kept (−)$93.9MTaxes on employees’ shares−$8.1M

From profit to cash

Atlantic Union Bankshares: net income to operating cash flow, Q3 2026Atlantic Union Bankshares: net income to operating cash flow, Q3 2026Net income$137MDepreciation & amortization$20.0MDeferred taxes$27.1MPrepaid and other assets−$88.4MOther liabilities$113MOperating cash flow$182M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$182M−$62.5M−$55.8M−$509M—$290M$182M
Q2 2026$150M—−$56.2M$576M—−$210M$150M
Q1 2026$127M—−$55.7M−$196M—$186M$127M
Q4 2025$114M—−$55.7M$634M—−$172M$114M
Q3 2025$157M—−$51.4M−$35.7M—$794M$157M
Q2 2025$1.9B—−$51.5M−$202M—−$1.2B$1.9B
Q1 2025$62.0M—−$33.5M−$59.3M—−$80.1M$62.0M
Q4 2024$98.3M—−$33.5M−$318M$1K$174M$98.3M

Atlantic Union Bankshares: income statement and cash flow

Atlantic Union Bankshares, Q3 2026: revenue $383M (+3% year over year), operating margin 45.2%. The chart follows the revenue to costs, profit and cash.

Atlantic Union Bankshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.