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Union Bankshares, Inc.

UNB Financial Banks Regional

Union Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $87.3 million, up 12.3% from fiscal 2024.

Revenue
+8.47%
EPS
+15.1%
Free cash flow
+1,783.2%
Total debt
+0.21%

Quarter to June 2026, against a year earlier

22.55 0.60 −2.59%
Market cap
$112.5M
P/E
8.6×
Fwd P/E
—
Dividend yield
6.39%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.04
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — 1 2 1 — —
Sell — — — — — — — — — — — —
Insider Ownership 21.25%

Capital & Financial Ratios $m

Size
Market Cap 112.52
Revenue ttm 90.36
Net income ttm 12.11
Free cash flow ttm 21.30
Net debt Q (22.62)
Valuation
P/E 8.64
Forward P/E —
Price / sales 1.19
Forward P/S Powerpack
Price / FCF 5.07
Price / book 1.19
Financial health
Current ratio Q 0.80
Debt / equity Q 0.18
Interest coverage Q —
Growth
Revenue growth Q +8.47% (above 0%: growing)
Operating income growth Q +29.15% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs −3.21% (below 0%: weak)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 11.00%
10-year low 10-year high
P/S against its own 10 years 0.44%
10-year low 10-year high
P/B against its own 10 years 3.34%
10-year low 10-year high

Dividends

Yield
6.39%
Annual rate
1.44
Payout ratio
55.2%
Growth, 2018–26
+2.31%/yr
  1. 1.20 ’18
  2. 1.24 ’19 +3
  3. 1.28 ’20 +3
  4. 1.32 ’21 +3
  5. 1.40 ’22 +6
  6. 1.44 ’23 +3
  7. 1.44 ’24 +0
  8. 1.44 ’25 +0
  9. 1.44 ’26 +0
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 92 25 21 39
Receivables — — — —
Inventory — — — —
Other — — — —
1,119 1,181 1,194 1,155
2023 2024 2025 Q'26
Payables 1,306 1,169 1,215 1,094
ST’ Debt — — — —
Other — — — —
1,387 1,446 1,520 1,452

Compound Annual Growth %

10y 5y 3y
Sales 9.58% 10.59% 17.78%
Cash Flow 2.75% 0.00% (15.97%)
Earnings 3.47% (2.85%) (4.23%)
Book Value 4.20% 0.00% 13.56%

EPS $

Mar Jun Sep Dec Year
’26 0.65 0.61 — — —
’25 0.55 0.53 0.75 0.60 2.43
’24 0.53 0.45 0.29 0.67 1.94
’23 0.66 0.60 0.56 0.68 2.50
’22 0.55 0.65 0.84 0.77 2.81
’21 0.64 0.67 0.87 0.76 2.94
’20 0.49 0.60 0.92 0.85 2.86
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 22 23 — — —
’25 21 21 23 22 87
’24 18 19 19 21 78
’23 15 16 17 18 67
’22 12 13 14 15 53
’21 12 13 14 13 52
’20 11 12 15 14 53
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 3 7 — — —
’25 4 0 10 3 17
’24 2 3 1 6 12
’23 2 4 0 3 9
’22 15 2 6 6 29
’21 (5) 2 30 2 29
’20 (7) (20) 15 5 (7)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 2 6 — — —
’25 4 0 10 3 16
’24 1 3 1 6 11
’23 2 3 0 2 7
’22 15 1 6 6 28
’21 (5) 0 29 2 26
’20 (7) (20) 15 5 (8)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 37 38 42 46 53 52 53 67 78 87 90 +10.0% — — — —
Gross margin, % 94.43 94.13 91.40 87.91 90.24 93.18 91.53 71.25 61.91 62.44 63.32 (32.0) pt
EBT 11 12 8 12 15 16 15 13 9 12 13 +0.9%
EBT margin, % 30.04 31.38 20.03 26.94 28.86 30.28 28.55 19.22 11.75 13.76 14.85 (16.3) pt
Net income 9 8 7 11 13 13 13 11 9 11 12 +3.0%
Per share, $
Per share, $ Revenue 8.29 8.61 9.33 10.37 11.79 11.65 11.88 14.86 17.17 19.14 18.88 +9.7%
Earnings 1.91 1.89 1.58 2.38 2.86 2.94 2.81 2.50 1.94 2.43 2.61 +2.7%
Cash flow 1.71 2.21 3.75 2.61 (1.58) 6.51 6.46 2.04 2.69 3.78 4.68 +9.2%
Capex (0.39) (0.45) (0.64) (1.44) (0.22) (0.78) (0.15) (0.43) (0.23) (0.27) (0.23) (3.8%)
Free cash flow 1.32 1.77 3.11 1.17 (1.80) 5.73 6.31 1.61 2.46 3.50 4.45 +11.4%
Book value 12.62 13.15 14.44 16.08 18.07 18.81 12.28 14.59 14.70 17.74 18.89 +3.9%
Shares, m 4 4 4 4 4 4 4 5 5 5 5 +0.2%
Valuation, ×
Valuation, × P/E 23.06 27.65 30.22 15.24 8.99 10.15 8.89 12.37 14.90 9.77 8.64 16.1
P/S 5.31 6.07 5.12 3.50 2.18 2.56 2.10 2.08 1.68 1.24 1.19 3.2
P/B 3.49 3.97 3.31 2.26 1.42 1.59 2.03 2.12 1.97 1.34 1.19 2.3
EV/Sales 3.99 4.82 4.00 2.45 (0.22) 1.36 1.39 0.95 1.57 1.18 — 2.1
EV/FCF 25.00 23.51 11.99 21.68 1.42 2.76 2.62 8.72 10.94 6.46 — 11.5
Cash, $m
Cash, $m Operating cash flow 8 10 17 12 (7) 29 29 9 12 17 22 +9.4%
Capex (2) (2) (3) (6) (1) (4) (1) (2) (1) (1) (1) (3.6%)
Free cash flow 6 8 14 5 (8) 26 28 7 11 16 21 +11.7%
Balance, $m
Balance, $m Working capital (48) (47) (54) (71) (82) (232) (258) (268) (265) (326) (297) +23.9%
Net debt (29) (38) (20) (9) (126) (63) (38) (76) (9) (5) (23) (17.8%)
Shareholders’ equity 56 59 64 72 81 84 55 66 66 81 90 +4.1%
Returns, %
Returns, % ROA 1.29 1.18 0.91 1.27 1.30 1.15 0.99 0.80 0.58 0.70 0.80 (0.6) pt
ROIC 25.25 36.21 11.62 12.35 0.00 46.20 55.69 0.00 9.93 9.89 12.37 (15.4) pt
ROE 15.50 14.70 11.48 15.62 16.77 15.94 18.08 18.60 13.25 15.04 14.98 (0.5) pt
People
People Employees 191 194 195 201 193 194 188 197 191 195 — +0.2%
Revenue/emp, $m 0.19 0.20 0.21 0.23 0.27 0.27 0.28 0.34 0.41 0.45 — +9.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Union Bankshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RVSB Riverview Bancorp Inc $120.8M — (loss-making) 20.7× +6.30% (above 0%: growing) +33.33% (above 0%: growing) +342.43% (above 0%: growing) 75.12% 0.00% Compare
BSBK Bogota Financial Corporation $119.9M 44.8× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
SFBC Sound Financial Bancorp, Inc. $115.8M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.7M 17.5× 14.9× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00% Compare
UNB Union Bankshares, Inc. $112.5M 8.6× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00%
OPHC OptimumBank Holdings, Inc. $109.6M 5.5× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.5× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
BYFC Broadway Financial Corporation $106.9M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
PNBK Patriot National Bancorp Inc. $101.6M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
Median of peers $111.2M 14.4× 13.5× +6.49% +31.18% +38.69% 68.67% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 8 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 869.35k 831.44k 115.82
2024 807.15k 845.58k 113.63
2023 713.69k 771.29k 114.50
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Union Bankshares, Inc. (UNB) Latest News

22 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 3 · · Associated Press
Impact 3 · · GlobeNewswire

15 Jul

Impact 3 ·

15 Apr

Impact 4 · · GlobeNewswire

13 Feb

Impact 4 · · Simply Wall St.

12 Feb

Impact 4 · · Simply Wall St.

11 Feb

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

9 Feb

Impact 4 · · Simply Wall St.

6 Feb

Impact 3 · · Simply Wall St.

5 Feb

Impact 4 · · Associated Press FinanceAssociated Press FinanceAssociated Press FinanceMT NewswiresAssociated Press FinanceMT NewswiresStockStoryAssociated Press Finance
Impact 3 · · Simply Wall St.

4 Feb

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

3 Feb

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

2 Feb

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

30 Jan

Impact 4 · · Simply Wall St.

29 Jan

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

28 Jan

Impact 3 · · Simply Wall St.
Impact 3 ·
Impact 3 · · Simply Wall St.

27 Jan

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

26 Jan

Impact 3 · · Simply Wall St.
stockrow.com/UNB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com