Analysts expect Atlantic Union’s net interest income to climb approximately 7.5% year-over-year in the quarter ended December 2025, driven by a projected net interest margin of 3.45%, up from 3.30% in Q4 2024. Loan growth estimates stand at 5.2% on a linked-quarter basis, supported by a diversified mix of commercial real estate and equipment finance originations. Non-interest income, including service charges and mortgage banking fees, is forecast to increase by 4.1% as refinancing activity picks up. Credit costs are seen rising modestly to an annualized 40 basis points, reflecting stable asset quality with nonperforming assets remaining near 0.80% of total loans.

Atlantic Union Bankshares marks 15 consecutive years of dividend increases, most recently boosting its quarterly payout to $0.34 per share, reflecting a 6.3% year-over-year raise. With a dividend yield of roughly 3.2% and a payout ratio near 35% of expected 2025 earnings, the bank balances shareholder returns with capital retention. Its Common Equity Tier 1 ratio of 10.8% at September 30, 2025, remains above regulatory minimums, underscoring capital strength that supports both loan growth and continued dividend momentum.