AUB 8-K SEC Filing Analysis

Latest settled — T+20d

AUB-PA ▼ -1.16% at T+20d

NEUTRAL call ✗ call lost -1.16% · α vs SPY -6.12% · entry $24.91 → $24.62

Next anchor: T+60d in 6w

Last close $40.30 (close Jun 12) · +61.78% from $24.91 entry

Entry anchored
May 5, 2026
via day open

T+1d

+0.36%

call +0.36% · α -1.02%

$25.00

settled 6w ago

T+5d

+0.04%

call +0.04% · α -1.94%

$24.92

settled 5w ago

T+20d

-1.16%

call -1.16% · α -6.12%

$24.62

settled 12d ago

T+60d

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call — · α —

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in 6w

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Executive Summary

Atlantic Union Bankshares held its annual shareholder meeting on May 5, 2026, presenting a strategic update and 2026 financial outlook. The presentation highlighted Q1 2026 GAAP net income of $122.2M (up 9.1% QoQ), but adjusted operating earnings available to common shareholders declined 8.8% QoQ to $126.2M, and net interest income fell 5.4% QoQ. The company guided for FY2026 net interest income (FTE) of ~$1.34-$1.35B and ROTCE of 19-20%, assuming no Fed rate cuts.

Actionable Insight

The QoQ decline in adjusted operating earnings and net interest income, combined with a flat-to-slightly-down NIM outlook, suggests near-term headwinds from the interest rate environment. Monitor upcoming quarterly results for NIM trajectory and expense control; the medium-term ROTCE target of 19-20% implies confidence in margin stabilization but requires execution.

Key Facts

Q1 2026 GAAP net income of $122.2M, up 9.1% from Q4 2025's $112.0M
Adjusted operating earnings available to common shareholders fell 8.8% QoQ to $126.2M from $138.4M
Net interest income (GAAP) declined 5.4% QoQ to $312.4M from $330.2M
FY2026 outlook: Net interest income (FTE) ~$1.34-$1.35B, NIM (FTE) ~3.90%-4.00%
Medium-term targets: ROTCE 19-20%, ROA 1.4-1.5%, efficiency ratio (FTE) 46-48%
Tangible book value per share $19.93 as of March 31, 2026, up 1.2% from $19.69 at year-end 2025
Common dividend of $0.37 per share in Q1 2026, unchanged QoQ but up 8.8% YoY
CET1 ratio of 10.2% at the holding company as of March 31, 2026

Financial Impact

Q1 2026 GAAP net income $122.2M; adjusted operating earnings $126.2M; FY2026 NII (FTE) guided to ~$1.34-1.35B

net interest incomenet incomeadjusted operating earningsnet interest marginROTCE

Risk Factors

Net interest income declining QoQ amid stable rate assumptions in guidance
Adjusted operating earnings down 8.8% QoQ despite GAAP net income improvement
Guidance assumes no Fed rate cuts in 2026 — any cut could pressure NIM further

Market Snapshot

Exchange

NYSE

Sector

State Commercial Banks

Documents Analyzed

This report is based on 5 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0000883948-26-000043
Document: aub-20260505x8k.htm	0000883948-26-000043
Document: 0000883948-26-000043-index-headers.html	0000883948-26-000043
Document: 0000883948-26-000043-index.html	0000883948-26-000043
Document: 0000883948-26-000043.txt	0000883948-26-000043

4 reports for AUB

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for AUB — sortable, filterable
	Type				Now
Jun 4, 2026 10d ago	8-K NEUTRAL ★ 2/10	$24.80 $24.66	▼ −0.56%	▲ +2.03%	$40.30 (+62.50%)
May 5, 2026 5w ago	8-K NEUTRAL ★ 4/10	$24.91 $25.00	▲ +0.36%	▼ −1.02%	$40.30 (+61.78%)
Apr 21, 2026 7w ago	8-K BULLISH ★ 7/10	$24.71 $24.66	▼ −0.20%	▼ −1.22%	$40.30 (+63.09%)
Mar 25, 2026 11w ago	DEFA14A NEUTRAL ★ 3/10	$35.33 $35.52	▲ +0.54%	▲ +2.31%	$40.30 (+14.07%)

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