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