Atlantic Union Bankshares (AUB) risk factors
Item 1A of every Atlantic Union Bankshares Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors52 risks1 new15 dropped12 reworded
Merger-related integration and stock dilution risks from Sandy Spring were dropped after completion. New tax position review risks were added. Interest rate exposure was updated to reflect 2024 and 2025 FOMC rate cuts totaling 175 bps. Management disclosed an ongoing Chief Financial Officer transition.
Filed Feb 26, 2026 - FY2024 10-K risk factors66 risks
Atlantic Union Bankshares faces material concentration risks in commercial real estate lending and commercial and industrial loans. The company’s near-term profitability and stock performance are heavily tied to the successful closing and integration of the Sandy Spring merger. Rapid technological change and cyber-attacks on third-party vendors threaten customer data and core banking operations.
Filed Feb 27, 2025