What is a cash flow waterfall?

A cash flow waterfall is a bar chart that walks from operating cash flow through capital expenditure to free cash flow, then shows how the remaining cash is allocated — acquisitions, buybacks, dividends, debt, and other financing — ending at the net change in cash. Each step is colour-coded: green bars add to the running total, red bars subtract.

How does Atlantic Union Bankshares (AUB) spend its free cash flow?

For TTM through Q1 2026, Atlantic Union Bankshares generated $2.3B of operating cash flow and $2.28B of free cash flow — a free cash flow margin of 99.3% of operating cash flow. The waterfall breaks down how the remaining cash was allocated across investing and financing activities.

How much did Atlantic Union Bankshares (AUB) return via buybacks and dividends?

The waterfall shows buybacks (share repurchases) and dividends paid as separate steps in the financing section. Together these represent Atlantic Union Bankshares's shareholder returns for TTM through Q1 2026. You can compare these against free cash flow to assess the capital-return payout ratio.

Atlantic Union Bankshares (AUB) Cash Flow Waterfall

Operating CF

$2.3B

Capex

-$17M

Free Cash Flow

$2.28B

FCF Margin

+99.3%

Cash flow waterfall for Atlantic Union Bankshares (AUB) — TTM through Q1 2026

Free cash flow: $2.28B

Note: Other Investing is large — driven mainly by purchases or sales of investments.

Cash flow breakdown for Atlantic Union Bankshares (AUB) — TTM through Q1 2026

Line item	Amount	Running total
Operating Cash Flow	$2.3B	$2.3B
Capital Expenditure	-$17M	$2.28B
Free Cash Flow	$2.28B	$2.28B
Other Investing	-$760M	$1.52B
Dividends Paid	-$214M	$1.3B
Other Financing & FX	-$958M	$346M
Net Cash Increase	$346M	$346M

Operating Cash Flow$2.3B
Capital Expenditure-$17M
Free Cash Flow$2.28B
Other Investing-$760M
Dividends Paid-$214M
Other Financing & FX-$958M
Net Cash Increase$346M

Want to see what drove the FCF change?Free Cash Flow Bridge

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