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 '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	9.77	14.90	12.37	8.89	10.15	8.99	15.24	30.22	27.65	23.06
Piotroski F-Score Full definition →	7	6	5	5	4	5	5	4	5	5
P/S ratio Full definition →	1.24	1.68	2.08	2.10	2.56	2.18	3.50	5.12	6.07	5.31
P/FCF ratio Full definition →	6.77	11.75	19.21	3.96	5.21	0.00	30.99	15.35	29.58	33.26
P/Operating CF Full definition →	34.15	22.71	45.95	17.81	70.70	24.90	15.80	30.87	(322.91)	50.98
P/B ratio Full definition →	1.34	1.97	2.12	2.03	1.59	1.42	2.26	3.31	3.97	3.49
Price to Tangible BV Full definition →	1.38	2.04	2.19	2.12	1.63	1.46	2.33	3.42	4.17	3.69
EV/Sales Full definition →	1.18	1.57	0.95	1.39	1.36	(0.22)	2.45	4.00	4.82	3.99
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 →	5.99	10.02	6.89	2.56	2.43	1.62	9.73	9.94	18.78	19.31
EV/FCF Full definition →	6.46	10.94	8.72	2.62	2.76	1.42	21.68	11.99	23.51	25.00
Quick Ratio Full definition →	0.01	0.02	0.07	0.04	0.07	0.13	0.07	0.06	0.07	0.08
Current Ratio Full definition →	0.79	0.82	0.81	0.80	0.79	0.92	0.91	0.93	0.93	0.93
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 →	1.01%	1.06%	1.11%	1.21%	1.34%	0.82%	5.61%	3.35%	1.34%	2.89%
Debt/Equity Full definition →	0.20	0.24	0.25	0.29	0.19	0.11	0.68	0.42	0.17	0.36
Asset Turnover Full definition →	0.06	0.05	0.05	0.04	0.05	0.05	0.06	0.05	0.05	0.06
Operating CF/Net income Full definition →	1.55	1.39	0.82	2.30	2.22	(0.55)	1.09	2.37	1.17	0.90
Capex/Depreciation Full definition →	(0.58)	(0.47)	(0.88)	(0.27)	(1.41)	(0.38)	(2.88)	(1.61)	(1.09)	(0.96)
ROE Full definition →	15.04%	13.25%	18.60%	18.08%	15.94%	16.77%	15.62%	11.48%	14.70%	15.50%
ROA Full definition →	0.70%	0.58%	0.80%	0.99%	1.15%	1.30%	1.27%	0.91%	1.18%	1.29%
ROIC Full definition →	9.89%	9.93%	0.00%	55.69%	46.20%	0.00%	12.35%	11.62%	36.21%	25.25%
Return on Tangible Assets Full definition →	(3.62%)	(3.58%)	(4.55%)	(5.30%)	(6.25%)	(20.57%)	(21.36%)	(18.80%)	(25.91%)	(25.00%)
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 →	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 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 →	0.57%	0.51%	0.56%	0.84%	0.57%	0.45%	0.36%	0.29%	0.27%	0.18%
Graham Net Nets Full definition →	(3.17)	(2.15)	(2.04)	(2.44)	(1.86)	(0.72)	(0.44)	(0.25)	(0.20)	(0.24)
Graham Number Full definition →	31.14	25.33	28.65	27.87	35.27	34.10	29.34	22.66	23.64	23.29
Earnings Yield Full definition →	10.24%	6.71%	8.08%	11.24%	9.86%	11.12%	6.56%	3.31%	3.62%	4.34%
Free Cash Flow Yield Full definition →	14.76%	8.51%	5.21%	25.25%	19.20%	(7.01%)	3.23%	6.52%	3.38%	3.01%
Revenue per Share Full definition →	19.14	17.17	14.86	11.88	11.65	11.79	10.37	9.33	8.61	8.29
Operating CF per Share Full definition →	3.78	2.69	2.04	6.46	6.51	(1.58)	2.61	3.75	2.21	1.71
Capex per Share Full definition →	(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 Full definition →	3.50	2.46	1.61	6.31	5.73	(1.80)	1.17	3.11	1.77	1.32
Cash per Share Full definition →	4.66	5.59	20.48	12.08	17.64	30.27	12.91	10.43	10.73	10.94
Shareholders Equity per Share Full definition →	17.74	14.70	14.59	12.28	18.81	18.07	16.08	14.44	13.15	12.62
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 →	17.74	14.70	14.59	12.28	18.81	18.07	16.08	14.44	13.15	12.62
Free Cash Flow Full definition →	15.97	11.13	7.26	28.37	25.68	(8.07)	5.23	13.90	7.88	5.91
Working Capital Full definition →	(326.20)	(264.88)	(267.95)	(258.42)	(232.49)	(82.28)	(70.76)	(53.70)	(46.86)	(47.57)
Capital Expenditures Full definition →	(1.25)	(1.02)	(1.93)	(0.66)	(3.51)	(1.01)	(6.42)	(2.87)	(1.99)	(1.74)
Net Current Asset Value Full definition →	(342.51)	(281.16)	(284.19)	(274.62)	(248.67)	(82.28)	(70.76)	(53.70)	(46.86)	(47.57)
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 →	0.01	0.01	0.03	0.01	0.07	0.02	0.14	0.07	0.05	0.05
Price to Operating Income Full definition →	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 Full definition →	0.11	0.11	0.11	0.12	0.12	0.13	0.11	0.11	0.13	0.13
Cash ROIC Full definition →	13.49%	10.30%	4.16%	22.56%	14.30%	(3.58%)	2.93%	10.06%	6.76%	4.72%
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 →	0.03	0.02	0.02	0.00	0.00	0.01	0.01	0.01	0.00	0.00
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 →	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 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 →	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 Full definition →	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 Full definition →	73.67	66.14	60.51	69.78	82.60	76.36	68.17	61.58	57.47	54.92

Fold the line items

Columns are period end dates

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