• Atlantic Union Bankshares recently reported full-year 2025 results, with net interest income rising to US$1,154.91 million and net income to US$273.72 million, while diluted EPS from continuing operations was US$2.03.

• The bank’s fourth quarter highlighted very low net charge-offs, expanding net interest margin, and meaningful earnings contributions from the Sandy Spring Bancorp integration, which management says support its 2026 net interest income outlook of US$1.35–US$1.38 billion.

• We’ll now look at how Sandy Spring integration benefits and margin expansion shape Atlantic Union Bankshares’ investment narrative for investors.

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For Atlantic Union Bankshares, the core belief you’d need as a shareholder is that the enlarged franchise can convert its bigger balance sheet into consistently better earnings without taking on outsized risk. The latest results help that case: net interest income stepped up to about US$1.15 billion in 2025, Q4 revenue and EPS beat expectations, net charge-offs fell to a very low 0.01% annualized, and management is now pointing to 2026 net interest income of US$1.35–US$1.38 billion, helped by the Sandy Spring integration and margin expansion. Those developments strengthen the near term catalysts around cost synergies, loan growth and improving efficiency, and they partly ease concerns about credit quality after earlier one off losses. The flip side is that profitability metrics like return on equity remain modest and the stock still trades on a richer multiple than many regional peers, so any stumble on integration or growth could matter more from here.

However, one key risk investors should be aware of still sits in plain sight. Atlantic Union Bankshares’ shares have been on the rise but are still potentially undervalued by 31%. Find out what it’s worth.

Three fair value views from the Simply Wall St Community span roughly US$30.79 to about US$56.60, underlining how differently investors size up Atlantic Union’s potential. Set against the recent margin gains and Sandy Spring benefits, that spread invites you to weigh upbeat earnings catalysts alongside ongoing concerns about returns and past dilution before deciding where you stand.

Explore 3 other fair value estimates on Atlantic Union Bankshares – why the stock might be worth 21% less than the current price!

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