Atlantic Union Bankshares Corporation (AUB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

automated message advice in your hand is raised. Please note that today's conference is being recorded. I will now hand the conference over to your speaker host, Bill Simeo, Senior Vice President of Investillations. Please go ahead. Thank you, Livia, and good morning, everyone. I have Atlantic Union Bank Shares President and CEO John Asbury and Executive Vice President and CFO Rob Gorman with me today. We also have other members of our executive management team with us for the question and answer period. Please note that today's earnings release and the accompanying slide presentation we are going through on this webcast are available to download on our investor website, investors.AtlanticUnionBank.com. During today's call, we will comment on our financial performance using both gap metrics and non-gap financial measures. Important information about these non-gap financial measures, including reconciliations to comparable gap measures, is included in the appendix to our slide presentation and in our earnings release for the fourth quarter and full year 2025. You'll also make forward-looking statements which were not statements of historical fact and are subject to risks and uncertainties. There can be no assurance that actual performance will not differ material from any future expectations or results expressed or implied by these forward-looking statements. We undertake no obligation to publicly revise or update any forward-looking statement except as required by law. Please refer to our earnings release and our slide presentation issued today, as well as our other SEC filings for further discussion of the company's risk factors, including, and other information regarding the forward-looking statements, including factors that could cause actual results to differ fro...