Saturday 17 October 2026 Export UNB’s income statement to Excel — free account

Union Bankshares, Inc.

Union Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $87.3 million, up 12.3% from fiscal 2024. In the quarter to June 2026, revenue grew 8.47%, EPS grew 15.1%, free cash flow grew 1,783.2% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

23.03 0.27 +1.19%

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Market cap: $112.6M
P/E: 8.8×
Fwd P/E: —
Dividend yield: 6.25%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	23.06	27.65	30.22	15.24	8.99	10.15	8.89	12.37	14.90	9.77
Piotroski F-Score Full definition →	5	5	4	5	5	4	5	5	6	7
P/S ratio Full definition →	5.31	6.07	5.12	3.50	2.18	2.56	2.10	2.08	1.68	1.24
P/FCF ratio Full definition →	33.26	29.58	15.35	30.99	0.00	5.21	3.96	19.21	11.75	6.77
P/Operating CF Full definition →	50.98	(322.91)	30.87	15.80	24.90	70.70	17.81	45.95	22.71	34.15
P/B ratio Full definition →	3.49	3.97	3.31	2.26	1.42	1.59	2.03	2.12	1.97	1.34
Price to Tangible BV Full definition →	3.69	4.17	3.42	2.33	1.46	1.63	2.12	2.19	2.04	1.38
EV/Sales Full definition →	3.99	4.82	4.00	2.45	(0.22)	1.36	1.39	0.95	1.57	1.18
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	19.31	18.78	9.94	9.73	1.62	2.43	2.56	6.89	10.02	5.99
EV/FCF Full definition →	25.00	23.51	11.99	21.68	1.42	2.76	2.62	8.72	10.94	6.46
Quick Ratio Full definition →	0.08	0.07	0.06	0.07	0.13	0.07	0.04	0.07	0.02	0.01
Current Ratio Full definition →	0.93	0.93	0.93	0.91	0.92	0.79	0.80	0.81	0.82	0.79
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	2.89%	1.34%	3.35%	5.61%	0.82%	1.34%	1.21%	1.11%	1.06%	1.01%
Debt/Equity Full definition →	0.36	0.17	0.42	0.68	0.11	0.19	0.29	0.25	0.24	0.20
Asset Turnover Full definition →	0.06	0.05	0.05	0.06	0.05	0.05	0.04	0.05	0.05	0.06
Operating CF/Net income Full definition →	0.90	1.17	2.37	1.09	(0.55)	2.22	2.30	0.82	1.39	1.55
Capex/Depreciation Full definition →	(0.96)	(1.09)	(1.61)	(2.88)	(0.38)	(1.41)	(0.27)	(0.88)	(0.47)	(0.58)
ROE Full definition →	15.50%	14.70%	11.48%	15.62%	16.77%	15.94%	18.08%	18.60%	13.25%	15.04%
ROA Full definition →	1.29%	1.18%	0.91%	1.27%	1.30%	1.15%	0.99%	0.80%	0.58%	0.70%
ROIC Full definition →	25.25%	36.21%	11.62%	12.35%	0.00%	46.20%	55.69%	0.00%	9.93%	9.89%
Return on Tangible Assets Full definition →	(25.00%)	(25.91%)	(18.80%)	(21.36%)	(20.57%)	(6.25%)	(5.30%)	(4.55%)	(3.58%)	(3.62%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	64.38%	62.75%	71.37%	60.98%	61.38%	62.90%	62.98%	52.03%	50.15%	48.68%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.18%	0.27%	0.29%	0.36%	0.45%	0.57%	0.84%	0.56%	0.51%	0.57%
Graham Net Nets Full definition →	(0.24)	(0.20)	(0.25)	(0.44)	(0.72)	(1.86)	(2.44)	(2.04)	(2.15)	(3.17)
Graham Number Full definition →	23.29	23.64	22.66	29.34	34.10	35.27	27.87	28.65	25.33	31.14
Earnings Yield Full definition →	4.34%	3.62%	3.31%	6.56%	11.12%	9.86%	11.24%	8.08%	6.71%	10.24%
Free Cash Flow Yield Full definition →	3.01%	3.38%	6.52%	3.23%	(7.01%)	19.20%	25.25%	5.21%	8.51%	14.76%
Revenue per Share Full definition →	8.29	8.61	9.33	10.37	11.79	11.65	11.88	14.86	17.17	19.14
Operating CF per Share Full definition →	1.71	2.21	3.75	2.61	(1.58)	6.51	6.46	2.04	2.69	3.78
Capex per Share Full definition →	(0.39)	(0.45)	(0.64)	(1.44)	(0.22)	(0.78)	(0.15)	(0.43)	(0.23)	(0.27)
Free Cash Flow per Share Full definition →	1.32	1.77	3.11	1.17	(1.80)	5.73	6.31	1.61	2.46	3.50
Cash per Share Full definition →	10.94	10.73	10.43	12.91	30.27	17.64	12.08	20.48	5.59	4.66
Shareholders Equity per Share Full definition →	12.62	13.15	14.44	16.08	18.07	18.81	12.28	14.59	14.70	17.74
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	12.62	13.15	14.44	16.08	18.07	18.81	12.28	14.59	14.70	17.74
Free Cash Flow Full definition →	5.91	7.88	13.90	5.23	(8.07)	25.68	28.37	7.26	11.13	15.97
Working Capital Full definition →	(47.57)	(46.86)	(53.70)	(70.76)	(82.28)	(232.49)	(258.42)	(267.95)	(264.88)	(326.20)
Capital Expenditures Full definition →	(1.74)	(1.99)	(2.87)	(6.42)	(1.01)	(3.51)	(0.66)	(1.93)	(1.02)	(1.25)
Net Current Asset Value Full definition →	(47.57)	(46.86)	(53.70)	(70.76)	(82.28)	(248.67)	(274.62)	(284.19)	(281.16)	(342.51)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.05	0.05	0.07	0.14	0.02	0.07	0.01	0.03	0.01	0.01
Price to Operating Income Full definition →	17.68	19.34	25.55	12.98	7.56	8.46	7.37	10.83	14.32	9.01
Other line items
Depreciation/Fixed assets Full definition →	0.13	0.13	0.11	0.11	0.13	0.12	0.12	0.11	0.11	0.11
Cash ROIC Full definition →	4.72%	6.76%	10.06%	2.93%	(3.58%)	14.30%	22.56%	4.16%	10.30%	13.49%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.00	0.00	0.01	0.01	0.01	0.00	0.00	0.02	0.02	0.03
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	105,844.69	104,817.96	72,038.83	48,494.62	70,511.02	112,119.20	96,971.24	24,733.75	14,418.60	13,533.58
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	579.03	622.62	677.17	725.40	869.16	1,044.69	1,148.50	1,253.76	1,237.25	1,191.94
Average Assets Full definition →	660.13	718.61	775.58	839.12	983.23	1,149.46	1,270.93	1,402.68	1,498.62	1,572.77
Average Common Equity Full definition →	54.92	57.47	61.58	68.17	76.36	82.60	69.78	60.51	66.14	73.67

Fold the line items

Columns are period end dates

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