Atlantic Union Bankshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	209.13	201.82	234.51	263.92
Depreciation & Amortization	54.27	49.28	55.8	64.03
Gain (Loss) on Sale of Assets	-1.35	-30.37	-12.83	14.7
Gain (Loss) on Sale of Investments	6.49	40.99	0	-5.23
Total Asset Writedown	0.22	1.93	4.9	-
Provision for Credit Losses	50.09	31.62	19.03	-60.89
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.15	-2.79	15.77	73.08
Change in Other Net Operating Assets	11.51	-1.32	96.02	-52.38
Other Operating Activities	-21.76	-13.12	6.48	30.47
Operating Cash Flow	308.46	278.05	419.67	337.79
Operating Cash Flow Growth	10.94%	-33.75%	24.24%	45.65%
Capital Expenditures	-7.39	-5.1	-2.86	-9.4
Cash Acquisitions	54.99	-	-	-
Investment in Securities	288	537.32	-47.16	-1,090
Net Decrease (Increase) in Loans Originated / Sold - Investing	-644.29	-1,192	-1,245	837.57
Other Investing Activities	13.01	56.82	17.45	-83.84
Investing Cash Flow	-295.69	-603.28	-1,277	-345.44
Short-Term Debt Issued	-	-	1,201	-
Long-Term Debt Issued	-	-	-	246.87
Total Debt Issued	-	-	1,201	246.87
Short-Term Debt Repaid	-902.89	-398	-	-233.02
Long-Term Debt Repaid	-	-	-	-364.7
Total Debt Repaid	-902.89	-398	-	-597.71
Net Debt Issued (Repaid)	-902.89	-398	1,201	-350.84
Issuance of Common Stock	0.23	0.78	3.88	3.14
Repurchase of Common Stock	-3.96	-2.49	-51.46	-127.58
Common Dividends Paid	-112.01	-91.42	-86.9	-84.31
Preferred Dividends Paid	-11.87	-11.87	-11.87	-11.87
Total Dividends Paid	-123.88	-103.29	-98.77	-96.18
Net Increase (Decrease) in Deposit Accounts	993.68	886.42	-679.43	888.32
Financing Cash Flow	-36.83	383.42	375.18	316.86
Net Cash Flow	-24.06	58.18	-482.55	309.21
Free Cash Flow	301.06	272.94	416.82	328.39
Free Cash Flow Growth	10.30%	-34.52%	26.93%	62.29%
Free Cash Flow Margin	39.23%	40.72%	60.96%	44.50%
Free Cash Flow Per Share	3.42	3.64	5.56	4.24
Cash Interest Paid	516.49	326.98	70.66	40.67
Cash Income Tax Paid	3.75	19.5	1.63	1.34

Updated Jan 22, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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