This discussion analyzes Atlantic Union's Q1 2026 earnings, focusing on purchase accounting accretion income and its sensitivity to prepayment speed changes, providing insights into expected accretion components.
Generated by Dafinchi AI. Source-grounded AI analysis, not investment advice.
Can you quantify the expected quarterly accretion run-rate (PAA) sensitivity to prepayment speed changes in basis points or $ per 100 bps change?
In the Q1 2026 earnings transcript, management explains that PAA (purchase accounting accretion income) is largely split into:
They also give a directional quantitative framing for the expected quarterly accretion components:
No—there is not enough information in the provided excerpts to compute a clean sensitivity in “$ per 100 bps change” (or basis-point sensitivity).
Specifically:
Therefore, any attempt to produce a numeric “$ per 100 bps” sensitivity would require assumptions or additional disclosed data (e.g., sensitivity tables, model outputs, or prior period experiments). Those are not present in the excerpts.
While not a sensitivity, the excerpt does allow an estimate of the expected quarterly accretion run-rate from the two components:
Total expected quarterly accretion from baseline + accelerated prepayments (implied by management’s commentary):
Separately, management also references total accretion expectations in the $145mm to $150mm range (updated expectation). 41
If you can provide the specific sensitivity disclosure (often shown as a table like “PAA sensitivity to CPR/PSA ±X bps”), I can compute an exact $ per 100 bps sensitivity directly from that table.
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