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Union Bankshares (UNB) Financials

Union Bankshares logo
$24.85 +0.30 (+1.22%)
Closing price 04:00 PM Eastern
Extended Trading
$24.68 -0.17 (-0.68%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Union Bankshares

Annual Income Statements for Union Bankshares

This table shows Union Bankshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 7.88 8.51 8.45 7.07 11 13 13 13 11 8.76 11
Consolidated Net Income / (Loss)		 7.88 8.51 8.45 7.07 11 13 13 13 11 8.76 11
Net Income / (Loss) Continuing Operations		 7.88 8.51 8.45 7.07 11 13 13 13 11 8.76 11
Total Pre-Tax Income 		11 11 12 8.35 12 15 16 15 13 9.13 12
Total Revenue		 33 35 36 38 41 48 49 49 48 48 54
Net Interest Income / (Expense)		 23 25 27 29 30 32 36 39 38 38 43
Total Interest Income		 25 27 29 32 36 37 39 44 57 68 76
Loans and Leases Interest Income		 24 25 27 30 33 34 36 38 49 59 66
Investment Securities Interest Income		 1.43 1.57 1.78 1.99 2.28 2.06 2.77 5.16 6.80 7.03 8.37
Deposits and Money Market Investments Interest Income		 0.17 0.16 0.15 0.21 0.20 0.16 0.14 0.19 0.40 0.48 0.34
Federal Funds Sold and Securities Borrowed Interest Income		 0.02 0.05 0.11 0.10 0.19 0.09 0.10 0.25 0.63 1.13 0.74
Total Interest Expense		 2.03 2.06 2.26 3.58 5.60 5.15 3.57 4.52 19 30 33
Deposits Interest Expense		 1.68 1.62 1.77 2.87 4.73 4.78 3.15 3.52 16 21 21
Short-Term Borrowings Interest Expense		 0.01 0.01 0.01 0.06 0.02 0.00 0.00 0.43 0.94 1.28 0.46
Long-Term Debt Interest Expense		 0.33 0.43 0.47 0.65 0.86 0.37 0.42 0.57 2.44 7.74 11
Total Non-Interest Income		 9.79 10 9.40 9.47 10 16 13 9.45 9.90 9.72 11
Trust Fees by Commissions		 0.72 0.74 0.74 0.75 0.69 0.71 0.81 0.84 0.94 1.07 1.19
Other Service Charges		 6.15 6.43 6.34 6.87 6.71 6.88 7.22 7.64 7.61 8.04 7.92
Net Realized & Unrealized Capital Gains on Investments		 2.92 2.97 2.32 1.86 3.05 8.42 4.94 0.94 1.35 0.62 2.35
Provision for Credit Losses		 0.55 0.15 0.20 0.45 0.78 2.20 0.00 0.00 -0.50 0.93 0.77
Total Non-Interest Expense		 22 24 24 29 27 30 33 34 35 38 42
Salaries and Employee Benefits		 12 14 14 19 16 18 19 19 14 16 24
Net Occupancy & Equipment Expense		 3.15 3.38 3.62 3.58 4.28 4.86 5.34 5.61 5.76 6.19 6.72
Other Operating Expenses		 6.17 6.55 6.32 6.66 7.16 7.52 8.48 8.91 15 16 11
Income Tax Expense		 2.66 2.60 3.60 1.27 1.83 2.42 2.65 2.63 1.62 0.37 0.93
Basic Earnings per Share		 $1.77 $1.91 $1.89 $1.58 $2.38 $2.86 $2.94 $2.81 $2.50 $1.94 $2.43
Weighted Average Basic Shares Outstanding		 4.46M 4.46M 4.47M 4.47M 4.47M 4.48M 4.49M 4.51M 4.52M 4.54M 4.61M
Diluted Earnings per Share		 - - - - $2.38 $2.85 $2.92 $2.79 $2.48 $1.92 $2.41
Weighted Average Diluted Shares Outstanding		 4.46M 4.46M 4.47M 4.47M 4.47M 4.48M 4.49M 4.51M 4.52M 4.54M 4.61M
Weighted Average Basic & Diluted Shares Outstanding		 4.46M 4.46M 4.47M 4.47M 4.47M 4.48M 4.49M 4.51M 4.52M 4.54M 4.61M
Cash Dividends to Common per Share		 $1.08 $1.11 $1.16 $1.20 $1.24 $1.28 $1.32 $1.40 $1.44 $1.44 $1.44

Quarterly Income Statements for Union Bankshares

This table shows Union Bankshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.53 3.05 2.42 2.02 1.32 3.00 2.50 2.40 3.44 2.75 3.00
Consolidated Net Income / (Loss)		 2.53 3.05 2.42 2.02 1.32 3.00 2.50 2.40 3.44 2.75 3.00
Net Income / (Loss) Continuing Operations		 2.53 3.05 2.42 2.02 1.32 3.00 2.50 2.40 3.44 2.75 3.00
Total Pre-Tax Income 		2.83 3.48 2.58 2.08 1.20 3.27 2.65 2.50 3.85 3.01 3.33
Total Revenue		 12 12 12 12 11 13 13 13 15 14 14
Net Interest Income / (Expense)		 9.15 9.10 9.01 9.48 9.43 10 10 10 11 11 11
Total Interest Income		 15 15 16 17 17 19 18 19 19 20 20
Loans and Leases Interest Income		 13 13 13 15 15 16 16 17 17 17 16
Investment Securities Interest Income		 1.73 1.73 1.69 1.69 1.72 1.93 2.00 1.90 1.94 2.52 3.00
Deposits and Money Market Investments Interest Income		 0.10 0.10 0.12 0.13 0.13 0.11 0.09 0.08 0.08 0.09 0.09
Federal Funds Sold and Securities Borrowed Interest Income		 0.15 0.26 0.44 0.19 0.16 0.33 0.15 0.18 0.19 0.22 0.07
Total Interest Expense		 5.70 6.31 6.61 7.07 7.76 8.15 8.03 8.28 8.05 8.42 8.24
Deposits Interest Expense		 4.74 5.41 5.24 4.88 4.96 5.49 5.41 5.61 5.07 5.33 5.20
Short-Term Borrowings Interest Expense		 0.81 -1.11 1.23 2.04 2.66 -4.66 2.47 2.53 2.84 -7.38 2.89
Long-Term Debt Interest Expense		 0.14 2.01 0.14 0.14 0.14 7.31 0.14 0.14 0.14 10 0.14
Total Non-Interest Income		 2.47 2.67 2.57 2.77 1.61 2.79 2.44 2.76 3.35 2.91 2.49
Trust Fees by Commissions		 0.24 0.25 0.26 0.27 0.27 0.27 0.28 0.30 0.30 0.32 0.30
Other Service Charges		 1.93 1.97 1.93 2.12 2.01 1.98 1.81 1.87 2.26 1.99 1.87
Net Realized & Unrealized Capital Gains on Investments		 0.30 0.46 0.38 0.37 -0.67 0.53 0.35 0.60 0.79 0.60 0.32
Provision for Credit Losses		 -0.14 -0.34 -0.23 0.39 0.43 0.35 0.24 0.22 0.31 0.01 -0.33
Total Non-Interest Expense		 8.93 8.63 9.22 9.78 9.41 9.61 9.82 10 10 11 11
Salaries and Employee Benefits		 4.94 -0.71 5.04 5.41 5.54 5.41 5.49 6.06 5.84 6.54 6.16
Net Occupancy & Equipment Expense		 1.39 1.52 1.51 1.56 1.51 1.60 1.70 1.65 1.63 1.74 1.76
Other Operating Expenses		 2.60 7.82 2.67 2.82 2.36 2.60 2.63 2.78 2.87 2.77 2.86
Income Tax Expense		 0.30 0.43 0.17 0.06 -0.12 0.27 0.15 0.10 0.41 0.26 0.33
Basic Earnings per Share		 $0.56 $0.68 $0.53 $0.45 $0.29 $0.67 $0.55 $0.53 $0.75 $0.60 $0.65
Weighted Average Basic Shares Outstanding		 4.51M 4.52M 4.52M 4.52M 4.52M 4.54M 4.54M 4.54M 4.56M 4.61M 4.61M
Diluted Earnings per Share		 $0.55 $0.67 $0.53 $0.45 $0.29 $0.65 $0.55 $0.52 $0.75 $0.59 $0.65
Weighted Average Diluted Shares Outstanding		 4.54M 4.52M 4.54M 4.55M 4.56M 4.54M 4.57M 4.58M 4.60M 4.61M 4.65M
Weighted Average Basic & Diluted Shares Outstanding		 4.51M 4.52M 4.52M 4.52M 4.52M 4.54M 4.54M 4.55M 4.58M 4.61M 4.61M
Cash Dividends to Common per Share		 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36

Annual Cash Flow Statements for Union Bankshares

This table details how cash moves in and out of Union Bankshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -24 21 -0.77 -1.22 14 72 -57 -28 40 -62 -3.54
Net Cash From Operating Activities		 13 7.64 9.87 17 12 -7.06 29 29 9.19 12 17
Net Cash From Continuing Operating Activities		 13 7.64 9.87 17 12 -7.06 29 29 9.19 12 17
Net Income / (Loss) Continuing Operations		 7.88 8.51 8.45 7.07 11 13 13 13 11 8.76 11
Consolidated Net Income / (Loss)		 7.88 8.51 8.45 7.07 11 13 13 13 11 8.76 11
Provision For Loan Losses		 0.55 0.15 0.20 0.45 0.78 2.20 - 0.00 -0.50 0.93 0.77
Depreciation Expense		 1.08 1.26 1.22 1.22 1.57 1.89 1.83 1.80 1.64 1.59 1.63
Amortization Expense		 0.23 0.42 0.45 0.42 0.66 0.73 0.66 0.66 0.56 0.58 0.55
Non-Cash Adjustments to Reconcile Net Income		 5.94 -1.78 0.85 8.84 -3.35 -25 20 14 -0.06 -0.81 1.90
Changes in Operating Assets and Liabilities, net		 -2.54 -0.91 -1.30 -1.24 1.35 -0.08 -6.62 -0.04 -3.71 1.09 1.29
Net Cash From Investing Activities		 -35 -41 -55 -68 -49 -126 -190 -208 -82 -125 -88
Net Cash From Continuing Investing Activities		 -35 -41 -55 -68 -49 -126 -190 -208 -82 -125 -88
Purchase of Property, Leasehold Improvements and Equipment		 -2.29 -1.94 -1.99 -3.07 -6.42 -1.01 -3.51 -0.67 -1.95 -1.07 -1.25
Purchase of Investment Securities		 -58 -64 -80 -77 -64 -154 -231 -245 -105 -190 -129
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.20 0.00 0.20 - - - 0.00 0.02 0.05 0.00
Sale and/or Maturity of Investments		 25 25 26 12 25 29 44 38 25 66 42
Net Cash From Financing Activities		 -2.07 54 45 50 51 205 104 151 113 51 68
Net Cash From Continuing Financing Activities		 -2.07 54 45 50 51 205 104 151 113 51 68
Net Change in Deposits		 8.34 37 50 59 37 250 101 107 104 -137 46
Issuance of Debt		 0.00 25 10 16 40 -40 17 0.00 91 285 70
Issuance of Common Equity		 0.05 0.06 0.02 0.00 0.04 0.02 0.04 0.06 0.08 0.07 0.07
Repayment of Debt		 -5.55 -3.42 -10 -20 -20 0.00 -7.50 50 -75 -91 -44
Payment of Dividends		 -4.82 -4.94 -5.15 -5.33 -5.50 -5.73 -5.92 -6.30 -6.49 -6.51 -6.56
Other Financing Activities, Net		 - - - - - - 0.07 - - 0.00 1.18
Cash Interest Paid		 2.06 2.24 2.25 3.48 5.15 5.71 3.45 4.39 18 28 33
Cash Income Taxes Paid		 2.04 1.51 1.52 1.55 0.80 1.35 1.85 0.95 0.93 0.00 0.28

Quarterly Cash Flow Statements for Union Bankshares

This table details how cash moves in and out of Union Bankshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -14 56 -55 7.85 17 -31 -2.13 16 6.21 -23 18
Net Cash From Operating Activities		 0.41 3.04 1.86 3.25 1.28 5.76 4.06 0.29 9.71 3.17 2.63
Net Cash From Continuing Operating Activities		 0.41 3.04 1.86 3.25 1.28 5.76 4.06 0.29 9.71 3.17 2.63
Net Income / (Loss) Continuing Operations		 2.53 3.05 2.42 2.02 1.32 3.00 2.50 2.40 3.44 2.75 3.00
Consolidated Net Income / (Loss)		 2.53 3.05 2.42 2.02 1.32 3.00 2.50 2.40 3.44 2.75 3.00
Provision For Loan Losses		 -0.14 -0.34 -0.23 0.39 0.43 0.35 0.24 0.22 0.31 0.01 -0.33
Depreciation Expense		 0.40 0.43 0.42 0.41 0.40 0.38 0.38 0.41 0.43 0.42 0.42
Amortization Expense		 0.14 0.14 0.14 0.15 0.15 0.14 0.15 0.18 0.13 0.08 0.03
Non-Cash Adjustments to Reconcile Net Income		 -2.77 3.88 0.11 -2.29 -0.43 1.80 1.79 -4.45 4.98 -0.42 0.68
Changes in Operating Assets and Liabilities, net		 0.25 -4.12 -0.99 2.57 -0.59 0.10 -1.00 1.54 0.43 0.33 -1.19
Net Cash From Investing Activities		 -82 -3.39 -6.30 28 -96 -50 1.95 65 -89 -66 7.20
Net Cash From Continuing Investing Activities		 -82 -3.39 -6.30 28 -96 -50 1.95 65 -89 -66 7.20
Purchase of Property, Leasehold Improvements and Equipment		 -0.71 -0.83 -0.39 -0.34 -0.21 -0.14 -0.14 -0.67 -0.16 -0.29 -0.18
Purchase of Investment Securities		 -0.76 -75 -9.83 -1.61 -117 -61 -9.12 2.86 -44 -78 -5.13
Sale and/or Maturity of Investments		 -81 72 3.90 30 21 11 11 63 -44 12 13
Net Cash From Financing Activities		 67 57 -51 -24 112 13 -8.13 -50 86 40 7.70
Net Cash From Continuing Financing Activities		 67 57 -51 -24 112 13 -8.13 -50 86 40 7.70
Net Change in Deposits		 99 83 -134 -118 120 -4.37 12 -78 86 25 -15
Issuance of Debt		 -4.65 - 85 186 14 - 30 0.98 0.17 39 0.00
Issuance of Common Equity		 0.02 0.02 0.02 -0.02 - 0.02 0.02 0.07 0.77 -0.78 0.02
Repayment of Debt		 -25 -25 0.00 -90 -20 19 -49 29 - -24 25
Payment of Dividends		 -1.62 -1.62 -1.63 -1.63 -1.63 -1.63 -1.63 -1.63 -1.64 -1.65 -1.66
Cash Interest Paid		 5.16 6.17 6.30 6.36 7.98 7.30 8.29 8.27 7.99 8.57 7.60

Annual Balance Sheets for Union Bankshares

This table presents Union Bankshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 629 691 746 805 873 1,094 1,205 1,336 1,469 1,528 1,617
Cash and Due from Banks		 4.22 4.27 3.86 4.05 5.41 5.41 4.66 4.50 4.43 5.17 4.66
Federal Funds Sold		 14 35 35 33 46 117 61 33 73 11 7.64
Interest Bearing Deposits at Other Banks		 13 9.50 9.35 9.30 6.57 13 13 16 15 9.46 8.96
Trading Account Securities		 65 74 74 76 95 138 282 251 267 256 330
Loans and Leases, Net of Allowance		 496 529 582 638 664 763 779 950 1,022 1,148 1,166
Loans and Leases		 501 534 587 643 670 771 788 958 1,028 1,156 1,175
Allowance for Loan and Lease Losses		 5.20 5.25 5.41 5.74 6.12 8.27 8.34 8.34 6.57 7.68 8.41
Premises and Equipment, Net		 13 14 14 16 21 20 22 20 21 20 20
Other Assets		 21 23 25 26 32 37 44 1,010 65 77 77
Total Liabilities & Shareholders' Equity		 629 691 746 805 873 1,094 1,205 1,336 1,469 1,528 1,617
Total Liabilities		 575 635 687 741 801 1,013 1,121 1,281 1,403 1,462 1,536
Non-Interest Bearing Deposits		 100 112 128 133 136 215 265 286 251 226 227
Interest Bearing Deposits		 461 485 520 574 608 779 830 916 1,055 943 988
Long-Term Debt		 9.56 32 32 28 47 7.16 16 66 82 276 303
Other Long-Term Liabilities		 5.34 5.85 8.02 6.26 9.88 11 9.78 13 16 17 19
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 54 56 59 64 72 81 84 55 66 66 81
Total Preferred & Common Equity		 54 56 59 64 72 81 84 55 66 66 81
Total Common Equity		 54 56 59 64 72 81 84 55 66 66 81
Common Stock		 10 10 11 11 11 11 12 12 13 13 15
Retained Earnings		 50 53 57 59 64 71 78 85 89 92 96
Treasury Stock		 -4.02 -4.02 -4.08 -4.18 -4.18 -4.17 -4.16 -4.22 -4.32 -4.30 -4.28
Accumulated Other Comprehensive Income / (Loss)		 -2.30 -3.28 -5.10 -1.02 0.99 2.64 -1.55 -37 -32 -34 -26

Quarterly Balance Sheets for Union Bankshares

This table presents Union Bankshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,396 1,418 1,398 1,519 1,525 1,480 1,574 1,625
Cash and Due from Banks		 4.19 4.12 4.49 4.47 4.77 4.73 4.92 4.50
Federal Funds Sold		 17 19 26 43 8.94 25 31 25
Interest Bearing Deposits at Other Banks		 14 14 14 13 7.96 6.96 8.46 7.96
Trading Account Securities		 255 261 259 253 252 250 265 318
Loans and Leases, Net of Allowance		 1,016 1,028 999 1,110 1,153 1,094 1,166 1,169
Loans and Leases		 1,022 1,034 1,006 1,117 1,161 1,103 1,174 1,177
Allowance for Loan and Lease Losses		 6.90 6.65 6.89 7.37 8.11 8.31 8.40 8.07
Premises and Equipment, Net		 20 21 21 20 20 20 20 20
Other Assets		 68 69 74 73 76 78 77 79
Total Liabilities & Shareholders' Equity		 1,396 1,418 1,398 1,519 1,525 1,480 1,574 1,625
Total Liabilities		 1,346 1,354 1,334 1,447 1,455 1,409 1,496 1,545
Non-Interest Bearing Deposits		 229 222 223 234 233 217 227 221
Interest Bearing Deposits		 993 950 830 939 949 886 962 979
Long-Term Debt		 107 167 263 257 257 287 287 327
Other Long-Term Liabilities		 17 15 18 17 16 19 20 17
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 49 64 64 72 70 71 78 81
Total Preferred & Common Equity		 49 64 64 72 70 71 78 81
Total Common Equity		 49 64 64 72 70 71 78 81
Common Stock		 13 13 13 13 13 13 14 15
Retained Earnings		 88 90 91 90 93 93 95 98
Treasury Stock		 -4.31 -4.32 -4.31 -4.31 -4.30 -4.29 -4.28 -4.27
Accumulated Other Comprehensive Income / (Loss)		 -47 -35 -35 -27 -31 -31 -28 -28

Annual Metrics And Ratios for Union Bankshares

This table displays calculated financial ratios and metrics derived from Union Bankshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 4,457,227.00 4,459,655.00 4,462,522.00 4,465,951.00 4,469,048.00 4,475,314.00 4,485,156.00 4,498,292.00 4,507,219.00 - 4,582,423.00
DEI Adjusted Shares Outstanding		 4,457,227.00 4,459,655.00 4,462,522.00 4,465,951.00 4,469,048.00 4,475,314.00 4,485,156.00 4,498,292.00 4,507,219.00 - 4,582,423.00
DEI Earnings Per Adjusted Shares Outstanding		 1.77 1.91 1.89 1.58 2.38 2.86 2.94 2.80 2.50 - 2.42
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.13% 6.09% 3.56% 5.30% 6.97% 16.90% 2.24% 0.42% -2.31% 0.71% 13.30%
EBITDA Growth		 10.36% 7.93% 7.34% -27.28% 47.37% 21.31% 2.59% -3.22% -14.89% -25.01% 25.50%
EBIT Growth		 9.04% 5.39% 8.49% -30.76% 49.53% 22.01% 3.89% -3.60% -15.54% -29.10% 31.52%
NOPAT Growth		 2.39% 8.04% -0.73% -16.30% 50.57% 20.26% 2.85% -4.21% -10.77% -22.17% 26.47%
Net Income Growth		 2.39% 8.04% -0.73% -16.30% 50.57% 20.26% 2.85% -4.21% -10.77% -22.17% 26.47%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 19.75% 2.46% -4.45% -11.11% -22.58% 25.52%
Operating Cash Flow Growth		 495.74% -41.78% 29.09% 69.85% -30.53% -160.65% 513.34% -0.54% -68.34% 32.21% 41.76%
Free Cash Flow Firm Growth		 170.42% -243.66% 137.47% -17.74% -420.81% 372.83% -98.43% -1,304.35% -81.49% -1,134.70% 83.80%
Invested Capital Growth		 -5.14% 39.19% 2.69% 2.29% 28.92% -26.03% 14.18% 20.81% 21.67% 131.79% 12.03%
Revenue Q/Q Growth		 1.23% 1.78% 1.34% 1.23% 2.33% 5.18% -1.77% 1.05% -2.02% 3.12% 1.55%
EBITDA Q/Q Growth		 6.86% -0.65% 2.69% -27.52% 38.33% 8.66% -3.67% 1.33% -5.02% -2.30% -1.85%
EBIT Q/Q Growth		 6.81% -1.42% 3.42% -31.26% 44.19% 10.16% -3.73% 1.70% -5.73% -2.27% -2.10%
NOPAT Q/Q Growth		 0.54% 5.17% -4.77% -25.01% 42.87% 8.79% -3.06% 0.53% -3.39% -0.54% -2.23%
Net Income Q/Q Growth		 0.54% 5.17% -4.77% -25.01% 42.87% 8.79% -3.06% 0.53% -3.39% -0.54% -2.23%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -3.50% -1.03% -2.43%
Operating Cash Flow Q/Q Growth		 75.02% 6.98% -31.68% 83.56% 40.29% -393.85% -8.55% 17.95% -26.27% 28.90% -13.08%
Free Cash Flow Firm Q/Q Growth		 168.42% -8.31% -45.03% 513.39% -112.35% 5.18% 112.75% -129.08% 71.90% -13.19% -24.35%
Invested Capital Q/Q Growth		 -11.38% -6.83% -2.05% -10.17% 1.04% 0.13% -5.99% 33.55% -5.40% 4.01% 5.16%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.99% 36.62% 37.95% 26.21% 36.11% 37.47% 37.60% 36.24% 31.57% 23.51% 26.04%
EBIT Margin		 32.03% 31.82% 33.33% 21.92% 30.64% 31.98% 32.50% 31.19% 26.97% 18.99% 22.04%
Profit (Net Income) Margin		 23.94% 24.38% 23.37% 18.58% 26.15% 26.90% 27.06% 25.81% 23.58% 18.22% 20.34%
Tax Burden Percent		 74.74% 76.61% 70.10% 84.75% 85.33% 84.11% 83.27% 82.74% 87.42% 95.96% 92.27%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.26% 23.39% 29.90% 15.25% 14.67% 15.89% 16.73% 17.26% 12.58% 4.04% 7.73%
Return on Invested Capital (ROIC)		 12.15% 11.27% 9.49% 7.75% 10.08% 12.37% 13.97% 11.37% 8.36% 3.57% 3.05%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.15% 11.27% 9.49% 7.75% 10.08% 12.37% 13.97% 11.37% 8.36% 3.57% 3.05%
Return on Net Nonoperating Assets (RNNOA)		 2.86% 4.22% 5.21% 3.74% 5.54% 4.40% 1.97% 6.71% 10.24% 9.67% 11.99%
Return on Equity (ROE)		 15.01% 15.50% 14.70% 11.49% 15.62% 16.77% 15.94% 18.08% 18.60% 13.25% 15.04%
Cash Return on Invested Capital (CROIC)		 17.42% -21.50% 6.83% 5.48% -15.19% 42.29% 0.73% -7.48% -11.19% -75.87% -8.30%
Operating Return on Assets (OROA)		 1.68% 1.68% 1.68% 1.08% 1.49% 1.55% 1.38% 1.20% 0.92% 0.61% 0.76%
Return on Assets (ROA)		 1.26% 1.29% 1.18% 0.91% 1.27% 1.30% 1.15% 0.99% 0.80% 0.58% 0.70%
Return on Common Equity (ROCE)		 15.01% 15.50% 14.70% 11.49% 15.62% 16.77% 15.94% 18.08% 18.60% 13.25% 15.04%
Return on Equity Simple (ROE_SIMPLE)		 14.71% 15.12% 14.40% 10.97% 14.82% 15.83% 15.62% 22.85% 17.11% 13.18% 13.70%
Net Operating Profit after Tax (NOPAT)		 7.88 8.51 8.45 7.07 11 13 13 13 11 8.76 11
NOPAT Margin		 23.94% 24.38% 23.37% 18.58% 26.15% 26.90% 27.06% 25.81% 23.58% 18.22% 20.34%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.55% 48.99% 48.64% 59.40% 49.88% 47.60% 50.09% 50.57% 41.90% 57.35% 56.25%
Operating Expenses to Revenue		 66.30% 67.75% 66.11% 76.90% 67.46% 63.40% 67.50% 68.81% 74.08% 79.08% 76.54%
Earnings before Interest and Taxes (EBIT)		 11 11 12 8.35 12 15 16 15 13 9.13 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 12 13 14 9.98 15 18 18 18 15 11 14
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.62 2.60 2.99 2.51 1.77 1.18 1.37 1.77 1.97 1.95 1.31
Price to Tangible Book Value (P/TBV)		 1.72 2.75 3.14 2.60 1.83 1.18 1.37 1.77 1.97 1.95 1.31
Price to Revenue (P/Rev)		 2.63 4.19 4.85 4.25 3.12 2.00 2.37 2.00 2.72 2.69 1.94
Price to Earnings (P/E)		 11.00 17.20 20.74 22.89 11.94 7.44 8.77 7.77 11.52 14.76 9.53
Dividend Yield		 5.56% 3.38% 2.95% 3.31% 4.36% 6.02% 5.12% 6.43% 5.00% 5.04% 6.25%
Earnings Yield		 9.09% 5.81% 4.82% 4.37% 8.37% 13.45% 11.40% 12.87% 8.68% 6.77% 10.49%
Enterprise Value to Invested Capital (EV/IC)		 1.04 1.47 1.76 1.55 0.98 0.00 0.52 0.90 0.81 1.11 1.01
Enterprise Value to Revenue (EV/Rev)		 1.99 3.70 4.40 3.76 2.86 0.00 1.08 2.25 2.50 7.90 7.11
Enterprise Value to EBITDA (EV/EBITDA)		 5.53 10.11 11.58 14.34 7.93 0.00 2.87 6.20 7.91 33.62 27.29
Enterprise Value to EBIT (EV/EBIT)		 6.21 11.63 13.19 17.15 9.35 0.00 3.33 7.21 9.26 41.62 32.24
Enterprise Value to NOPAT (EV/NOPAT)		 8.31 15.18 18.81 20.24 10.95 0.00 3.99 8.71 10.60 43.37 34.94
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.99 16.90 16.11 8.54 10.01 0.00 1.80 3.78 12.98 31.27 22.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.80 0.00 26.14 28.61 0.00 0.00 76.33 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.18 0.56 0.54 0.43 0.66 0.09 0.19 1.20 1.25 4.15 3.74
Long-Term Debt to Equity		 0.18 0.56 0.54 0.43 0.66 0.09 0.19 1.20 1.25 4.15 3.74
Financial Leverage		 0.24 0.37 0.55 0.48 0.55 0.36 0.14 0.59 1.22 2.71 3.93
Leverage Ratio		 11.93 12.02 12.50 12.60 12.31 12.88 13.92 18.21 23.18 22.66 21.35
Compound Leverage Factor		 11.93 12.02 12.50 12.60 12.31 12.88 13.92 18.21 23.18 22.66 21.35
Debt to Total Capital		 15.15% 35.95% 35.00% 30.14% 39.63% 8.14% 16.09% 54.52% 55.46% 80.59% 78.92%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 15.15% 35.95% 35.00% 30.14% 39.63% 8.14% 16.09% 54.52% 55.46% 80.59% 78.92%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 84.85% 64.05% 65.00% 69.86% 60.37% 91.86% 83.91% 45.48% 44.54% 19.41% 21.08%
Debt to EBITDA		 0.81 2.47 2.30 2.79 3.21 0.40 0.88 3.74 5.44 24.41 21.34
Net Debt to EBITDA		 -1.79 -1.34 -1.19 -1.88 -0.72 -7.19 -3.44 0.67 -0.69 22.18 19.85
Long-Term Debt to EBITDA		 0.81 2.47 2.30 2.79 3.21 0.40 0.88 3.74 5.44 24.41 21.34
Debt to NOPAT		 1.21 3.71 3.74 3.93 4.43 0.56 1.23 5.25 7.28 31.50 27.33
Net Debt to NOPAT		 -2.68 -2.02 -1.93 -2.65 -0.99 -10.02 -4.78 0.94 -0.93 28.61 25.41
Long-Term Debt to NOPAT		 1.21 3.71 3.74 3.93 4.43 0.56 1.23 5.25 7.28 31.50 27.33
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 11 -16 6.08 5.00 -16 44 0.69 -8.30 -15 -186 -30
Operating Cash Flow to CapEx		 573.61% 439.82% 496.63% 584.82% 181.46% -701.29% 831.86% 4,365.56% 476.22% 1,185.46% 1,374.70%
Free Cash Flow to Firm to Interest Expense		 5.58 -7.88 2.70 1.40 -2.87 8.51 0.19 -1.83 -0.78 -6.28 -0.92
Operating Cash Flow to Interest Expense		 6.48 3.71 4.38 4.68 2.08 -1.37 8.19 6.42 0.48 0.41 0.53
Operating Cash Flow Less CapEx to Interest Expense		 5.35 2.87 3.49 3.88 0.93 -1.57 7.20 6.27 0.38 0.38 0.49
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 2.64 2.63 2.60 2.51 2.20 2.32 2.34 2.32 2.32 2.35 2.72
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 63 88 90 92 119 88 101 121 148 342 384
Invested Capital Turnover		 0.51 0.46 0.41 0.42 0.39 0.46 0.52 0.44 0.35 0.20 0.15
Increase / (Decrease) in Invested Capital		 -3.42 25 2.37 2.07 27 -31 12 21 26 195 41
Enterprise Value (EV)		 65 129 159 143 117 -33 53 110 119 380 387
Market Capitalization		 87 146 175 162 127 95 116 98 130 129 106
Book Value per Share		 $12.02 $12.62 $13.15 $14.44 $16.08 $18.07 $18.80 $12.28 $14.60 $14.69 $17.65
Tangible Book Value per Share		 $11.31 $11.95 $12.52 $13.94 $15.58 $18.07 $18.80 $12.28 $14.60 $14.69 $17.65
Total Capital		 63 88 90 92 119 88 101 121 148 342 384
Total Debt		 9.56 32 32 28 47 7.16 16 66 82 276 303
Total Long-Term Debt		 9.56 32 32 28 47 7.16 16 66 82 276 303
Net Debt		 -21 -17 -16 -19 -11 -128 -63 12 -10 251 282
Capital Expenditures (CapEx)		 2.29 1.74 1.99 2.87 6.42 1.01 3.51 0.67 1.93 1.03 1.25
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 9.56 32 32 28 47 7.16 16 66 82 276 303
Total Depreciation and Amortization (D&A)		 1.31 1.68 1.67 1.63 2.23 2.62 2.49 2.47 2.20 2.17 2.18
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.77 $1.91 $1.89 $1.58 $2.38 $2.86 $2.94 $2.81 $2.50 $1.94 $2.43
Adjusted Weighted Average Basic Shares Outstanding		 4.46M 4.46M 4.47M 4.47M 4.47M 4.48M 4.49M 4.51M 4.52M 4.54M 4.61M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $2.85 $2.92 $2.79 $2.48 $1.92 $2.41
Adjusted Weighted Average Diluted Shares Outstanding		 4.46M 4.46M 4.47M 4.47M 4.47M 4.48M 4.49M 4.51M 4.52M 4.54M 4.61M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.46M 4.46M 4.47M 4.47M 4.47M 4.48M 4.49M 4.51M 4.52M 4.54M 4.61M
Normalized Net Operating Profit after Tax (NOPAT)		 7.88 8.51 8.45 7.07 11 13 13 13 11 8.76 11
Normalized NOPAT Margin		 23.94% 24.38% 23.37% 18.58% 26.15% 26.90% 27.06% 25.81% 23.58% 18.22% 20.34%
Pre Tax Income Margin		 32.03% 31.82% 33.33% 21.92% 30.64% 31.98% 32.50% 31.19% 26.97% 18.99% 22.04%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.21 5.39 5.34 2.33 2.23 2.96 4.44 3.37 0.67 0.31 0.37
NOPAT to Interest Expense		 3.89 4.13 3.75 1.97 1.90 2.49 3.69 2.79 0.58 0.30 0.34
EBIT Less CapEx to Interest Expense		 4.08 4.55 4.46 1.53 1.08 2.76 3.45 3.22 0.57 0.27 0.33
NOPAT Less CapEx to Interest Expense		 2.76 3.29 2.87 1.17 0.76 2.29 2.71 2.64 0.48 0.26 0.30
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 61.13% 58.03% 60.97% 75.34% 51.66% 44.72% 44.93% 49.91% 57.66% 74.32% 59.16%
Augmented Payout Ratio		 62.33% 58.10% 61.68% 76.85% 51.78% 44.72% 44.94% 50.54% 58.82% 74.32% 59.16%

Quarterly Metrics And Ratios for Union Bankshares

This table displays calculated financial ratios and metrics derived from Union Bankshares' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 4,507,098.00 4,507,219.00 4,519,384.00 4,519,390.00 4,523,870.00 - 4,538,596.00 4,538,600.00 4,551,337.00 4,582,423.00 4,614,047.00
DEI Adjusted Shares Outstanding		 4,507,098.00 4,507,219.00 4,519,384.00 4,519,390.00 4,523,870.00 - 4,538,596.00 4,538,600.00 4,551,337.00 4,582,423.00 4,614,047.00
DEI Earnings Per Adjusted Shares Outstanding		 0.56 0.68 0.53 0.45 0.29 - 0.55 0.53 0.75 0.60 0.65
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -10.52% -7.71% -5.59% 1.22% -4.99% 12.38% 9.81% 7.80% 31.45% 6.30% 8.49%
EBITDA Growth		 -34.68% -16.46% -21.11% -28.28% -48.21% -6.57% 1.34% 16.87% 152.52% -7.09% 19.01%
EBIT Growth		 -37.72% -18.35% -24.85% -33.63% -57.53% -6.09% 2.67% 20.05% 220.57% -7.87% 25.69%
NOPAT Growth		 -32.62% -11.47% -18.81% -25.19% -47.71% -1.57% 3.48% 18.62% 159.52% -8.43% 20.11%
Net Income Growth		 -32.62% -11.47% -18.81% -25.19% -47.71% -1.57% 3.48% 18.62% 159.52% -8.43% 20.11%
EPS Growth		 -33.73% -11.84% -19.70% -25.00% -47.27% -2.99% 3.77% 15.56% 158.62% -9.23% 18.18%
Operating Cash Flow Growth		 -93.55% -51.90% -10.70% -11.23% 211.68% 89.75% 118.16% -91.14% 657.92% -44.99% -35.22%
Free Cash Flow Firm Growth		 -417.61% -33.20% -219.26% -10.74% -173.88% -723.90% 11.88% 78.06% 81.30% 79.94% 17.04%
Invested Capital Growth		 71.76% 21.67% 89.29% 67.19% 110.83% 131.79% 41.73% 9.41% 10.80% 12.03% 24.71%
Revenue Q/Q Growth		 -4.02% 1.34% -1.67% 5.82% -9.91% 19.87% -3.92% 3.89% 9.85% -3.07% -1.93%
EBITDA Q/Q Growth		 -8.35% 20.02% -22.39% -15.99% -33.81% 116.49% -15.82% -3.11% 43.01% -20.34% 7.83%
EBIT Q/Q Growth		 -9.76% 23.02% -25.78% -19.44% -42.26% 172.02% -18.86% -5.81% 54.19% -21.82% 10.70%
NOPAT Q/Q Growth		 -6.19% 20.42% -20.73% -16.47% -34.42% 126.66% -16.66% -4.24% 43.47% -20.02% 9.32%
Net Income Q/Q Growth		 -6.19% 20.42% -20.73% -16.47% -34.42% 126.66% -16.66% -4.24% 43.47% -20.02% 9.32%
EPS Q/Q Growth		 -8.33% 21.82% -20.90% -15.09% -35.56% 124.14% -15.38% -5.45% 44.23% -21.33% 10.17%
Operating Cash Flow Q/Q Growth		 -88.77% 638.44% -38.68% 74.64% -60.58% 349.57% -29.50% -92.91% 3,271.18% -67.37% -16.98%
Free Cash Flow Firm Q/Q Growth		 46.39% 62.90% -357.43% -21.72% -32.58% -11.61% 51.08% 69.69% -12.99% -19.72% -102.33%
Invested Capital Q/Q Growth		 -20.25% -5.40% 56.19% 41.88% 0.57% 4.01% -4.50% 9.53% 1.84% 5.16% 6.31%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.02% 34.37% 27.13% 21.54% 15.82% 28.58% 25.04% 23.35% 30.39% 24.98% 27.46%
EBIT Margin		 24.35% 29.56% 22.31% 16.98% 10.88% 24.70% 20.86% 18.91% 26.54% 21.41% 24.16%
Profit (Net Income) Margin		 21.80% 25.90% 20.88% 16.48% 12.00% 22.69% 19.68% 18.14% 23.69% 19.54% 21.79%
Tax Burden Percent		 89.53% 87.64% 93.61% 97.07% 110.24% 91.86% 94.34% 95.92% 89.25% 91.30% 90.16%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 10.47% 12.36% 6.39% 2.93% -10.24% 8.14% 5.66% 4.08% 10.75% 8.70% 9.84%
Return on Invested Capital (ROIC)		 8.60% 9.19% 5.57% 2.97% 2.31% 4.45% 3.47% 2.65% 3.66% 2.93% 3.29%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.60% 9.19% 5.57% 2.97% 2.31% 4.45% 3.47% 2.65% 3.66% 2.93% 3.29%
Return on Net Nonoperating Assets (RNNOA)		 12.87% 11.25% 10.22% 9.67% 6.90% 12.04% 10.99% 10.80% 13.28% 11.52% 12.78%
Return on Equity (ROE)		 21.47% 20.44% 15.80% 12.64% 9.21% 16.49% 14.47% 13.45% 16.95% 14.45% 16.07%
Cash Return on Invested Capital (CROIC)		 -43.38% -11.19% -55.66% -46.46% -67.68% -75.87% -31.35% -6.30% -6.98% -8.30% -18.84%
Operating Return on Assets (OROA)		 0.88% 1.01% 0.76% 0.59% 0.35% 0.79% 0.70% 0.66% 0.92% 0.74% 0.85%
Return on Assets (ROA)		 0.79% 0.88% 0.71% 0.57% 0.38% 0.73% 0.66% 0.63% 0.82% 0.68% 0.77%
Return on Common Equity (ROCE)		 21.47% 20.44% 15.80% 12.64% 9.21% 16.49% 14.47% 13.45% 16.95% 14.45% 16.07%
Return on Equity Simple (ROE_SIMPLE)		 23.66% 0.00% 16.76% 15.64% 12.18% 0.00% 12.62% 12.94% 14.59% 0.00% 14.38%
Net Operating Profit after Tax (NOPAT)		 2.53 3.05 2.42 2.02 1.32 3.00 2.50 2.40 3.44 2.75 3.00
NOPAT Margin		 21.80% 25.90% 20.88% 16.48% 12.00% 22.69% 19.68% 18.14% 23.69% 19.54% 21.79%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.51% 6.89% 56.62% 56.87% 63.87% 53.01% 56.59% 58.33% 51.52% 58.86% 57.43%
Operating Expenses to Revenue		 76.85% 73.32% 79.68% 79.85% 85.27% 72.68% 77.29% 79.42% 71.30% 78.56% 78.19%
Earnings before Interest and Taxes (EBIT)		 2.83 3.48 2.58 2.08 1.20 3.27 2.65 2.50 3.85 3.01 3.33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.37 4.05 3.14 2.64 1.75 3.78 3.18 3.08 4.41 3.51 3.79
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.84 1.97 2.03 1.43 1.53 1.95 1.91 1.67 1.43 1.31 1.37
Price to Tangible Book Value (P/TBV)		 1.84 1.97 2.03 1.43 1.53 1.95 1.91 1.67 1.43 1.31 1.37
Price to Revenue (P/Rev)		 1.86 2.72 2.75 1.93 2.37 2.69 2.72 2.38 2.07 1.94 1.99
Price to Earnings (P/E)		 7.77 11.52 12.12 9.12 12.53 14.76 15.11 12.94 9.80 9.53 9.55
Dividend Yield		 7.12% 5.00% 5.02% 7.13% 5.90% 5.04% 4.89% 5.48% 5.90% 6.25% 6.01%
Earnings Yield		 12.86% 8.68% 8.25% 10.97% 7.98% 6.77% 6.62% 7.73% 10.20% 10.49% 10.47%
Enterprise Value to Invested Capital (EV/IC)		 1.04 0.81 1.12 0.95 0.93 1.11 1.13 1.03 0.97 1.01 0.98
Enterprise Value to Revenue (EV/Rev)		 3.32 2.50 5.51 6.57 6.58 7.90 7.50 7.37 6.60 7.11 7.20
Enterprise Value to EBITDA (EV/EBITDA)		 10.19 7.91 18.23 23.51 26.50 33.62 32.52 31.38 24.51 27.29 27.05
Enterprise Value to EBIT (EV/EBIT)		 11.84 9.26 21.58 28.28 32.82 41.62 40.11 38.48 28.89 32.24 31.53
Enterprise Value to NOPAT (EV/NOPAT)		 13.88 10.60 24.26 30.97 34.81 43.37 41.71 40.13 31.26 34.94 34.54
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.97 12.98 28.93 36.26 32.53 31.27 25.71 32.49 17.88 22.48 25.33
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.17 1.25 2.62 4.11 3.55 4.15 3.67 4.03 3.70 3.74 4.06
Long-Term Debt to Equity		 2.17 1.25 2.62 4.11 3.55 4.15 3.67 4.03 3.70 3.74 4.06
Financial Leverage		 1.50 1.22 1.83 3.25 2.99 2.71 3.17 4.07 3.63 3.93 3.88
Leverage Ratio		 27.24 23.18 22.34 22.20 23.98 22.66 21.98 21.28 20.63 21.35 20.91
Compound Leverage Factor		 27.24 23.18 22.34 22.20 23.98 22.66 21.98 21.28 20.63 21.35 20.91
Debt to Total Capital		 68.47% 55.46% 72.34% 80.44% 78.04% 80.59% 78.57% 80.11% 78.71% 78.92% 80.25%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 68.47% 55.46% 72.34% 80.44% 78.04% 80.59% 78.57% 80.11% 78.71% 78.92% 80.25%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 31.53% 44.54% 27.66% 19.56% 21.96% 19.41% 21.43% 19.89% 21.29% 21.08% 19.75%
Debt to EBITDA		 6.74 5.44 11.73 19.96 22.21 24.41 22.65 24.34 19.87 21.34 22.13
Net Debt to EBITDA		 4.48 -0.69 9.12 16.59 16.96 22.18 20.74 21.26 16.83 19.85 19.57
Long-Term Debt to EBITDA		 6.74 5.44 11.73 19.96 22.21 24.41 22.65 24.34 19.87 21.34 22.13
Debt to NOPAT		 9.18 7.28 15.61 26.29 29.17 31.50 29.05 31.12 25.34 27.33 28.26
Net Debt to NOPAT		 6.11 -0.93 12.14 21.85 22.28 28.61 26.60 27.19 21.46 25.41 24.99
Long-Term Debt to NOPAT		 9.18 7.28 15.61 26.29 29.17 31.50 29.05 31.12 25.34 27.33 28.26
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -63 -23 -106 -130 -172 -192 -94 -28 -32 -38 -78
Operating Cash Flow to CapEx		 57.81% 364.35% 508.47% 1,038.34% 612.92% 4,203.65% 2,839.16% 43.05% 6,263.87% 1,107.69% 1,461.11%
Free Cash Flow to Firm to Interest Expense		 -11.00 -3.69 -16.09 -18.33 -22.13 -23.53 -11.69 -3.44 -3.99 -4.57 -9.45
Operating Cash Flow to Interest Expense		 0.07 0.48 0.28 0.46 0.17 0.71 0.51 0.03 1.21 0.38 0.32
Operating Cash Flow Less CapEx to Interest Expense		 -0.05 0.35 0.23 0.42 0.14 0.69 0.49 -0.05 1.19 0.34 0.30
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 2.37 2.32 2.30 2.32 2.28 2.35 2.42 2.45 2.65 2.72 2.81
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 156 148 231 327 329 342 327 358 365 384 408
Invested Capital Turnover		 0.39 0.35 0.27 0.18 0.19 0.20 0.18 0.15 0.15 0.15 0.15
Increase / (Decrease) in Invested Capital		 65 26 109 132 173 195 96 31 36 41 81
Enterprise Value (EV)		 162 119 259 310 307 380 369 370 354 387 400
Market Capitalization		 91 130 130 91 110 129 134 119 111 106 111
Book Value per Share		 $10.93 $14.60 $14.12 $14.17 $15.98 $14.69 $15.44 $15.70 $17.07 $17.65 $17.46
Tangible Book Value per Share		 $10.93 $14.60 $14.12 $14.17 $15.98 $14.69 $15.44 $15.70 $17.07 $17.65 $17.46
Total Capital		 156 148 231 327 329 342 327 358 365 384 408
Total Debt		 107 82 167 263 257 276 257 287 287 303 327
Total Long-Term Debt		 107 82 167 263 257 276 257 287 287 303 327
Net Debt		 71 -10 130 219 196 251 235 251 243 282 290
Capital Expenditures (CapEx)		 0.71 0.83 0.37 0.31 0.21 0.14 0.14 0.67 0.16 0.29 0.18
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 107 82 167 263 257 276 257 287 287 303 327
Total Depreciation and Amortization (D&A)		 0.54 0.57 0.56 0.56 0.55 0.51 0.53 0.59 0.56 0.50 0.46
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.56 $0.68 $0.53 $0.45 $0.29 $0.67 $0.55 $0.53 $0.75 $0.60 $0.65
Adjusted Weighted Average Basic Shares Outstanding		 4.51M 4.52M 4.52M 4.52M 4.52M 4.54M 4.54M 4.54M 4.56M 4.61M 4.61M
Adjusted Diluted Earnings per Share		 $0.55 $0.67 $0.53 $0.45 $0.29 $0.65 $0.55 $0.52 $0.75 $0.59 $0.65
Adjusted Weighted Average Diluted Shares Outstanding		 4.54M 4.52M 4.54M 4.55M 4.56M 4.54M 4.57M 4.58M 4.60M 4.61M 4.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.51M 4.52M 4.52M 4.52M 4.52M 4.54M 4.54M 4.55M 4.58M 4.61M 4.61M
Normalized Net Operating Profit after Tax (NOPAT)		 2.53 3.05 2.42 2.02 0.84 3.00 2.50 2.40 3.44 2.75 3.00
Normalized NOPAT Margin		 21.80% 25.90% 20.88% 16.48% 7.62% 22.69% 19.68% 18.14% 23.69% 19.54% 21.79%
Pre Tax Income Margin		 24.35% 29.56% 22.31% 16.98% 10.88% 24.70% 20.86% 18.91% 26.54% 21.41% 24.16%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.50 0.55 0.39 0.29 0.15 0.40 0.33 0.30 0.48 0.36 0.40
NOPAT to Interest Expense		 0.44 0.48 0.37 0.29 0.17 0.37 0.31 0.29 0.43 0.33 0.36
EBIT Less CapEx to Interest Expense		 0.37 0.42 0.34 0.25 0.13 0.38 0.31 0.22 0.46 0.32 0.38
NOPAT Less CapEx to Interest Expense		 0.32 0.35 0.31 0.24 0.14 0.35 0.29 0.21 0.41 0.29 0.34
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 55.31% 57.66% 60.72% 64.88% 73.83% 74.32% 73.69% 70.76% 57.66% 59.16% 56.82%
Augmented Payout Ratio		 56.30% 58.82% 60.72% 64.88% 73.83% 74.32% 73.69% 70.76% 57.66% 59.16% 56.82%

Financials Breakdown Chart

Union Bankshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Union Bankshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Union Bankshares' net income appears to be on an upward trend, with a most recent value of $11.08 million in 2025, rising from $7.88 million in 2015. The previous period was $8.76 million in 2024. See where experts think Union Bankshares is headed by visiting Union Bankshares' forecast page.

Over the last 10 years, Union Bankshares' total revenue changed from $32.91 million in 2015 to $54.48 million in 2025, a change of 65.5%.

Union Bankshares' total liabilities were at $1.54 billion at the end of 2025, a 5.1% increase from 2024, and a 167.0% increase since 2015.

In the past 10 years, Union Bankshares' cash and equivalents has ranged from $3.86 million in 2017 to $5.41 million in 2020, and is currently $4.66 million as of their latest financial filing in 2025.

Over the last 10 years, Union Bankshares' book value per share changed from 12.02 in 2015 to 17.65 in 2025, a change of 46.8%.


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Financial statements for NASDAQ:UNB last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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