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. 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%
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
Older periods Sep '25 Dec '25 Mar '26 Jun '26
P/E ratio

+8 more quarters

9.90 9.77 9.61 9.30
P/S ratio
1.31 1.24 1.27 1.29
P/FCF ratio
6.04 6.77 7.74 5.45
P/Operating CF
11.64 34.15 42.67 16.80
P/B ratio
1.45 1.34 1.39 1.28
Price to Tangible BV
1.50 1.38 1.43 1.32
EV/Sales
0.99 1.18 1.02 1.03
EV/EBITDA
0.00 0.00 0.00 0.00
EV/Operating CF
4.31 5.99 5.75 4.17
EV/FCF
4.56 6.46 6.26 4.39
Quick Ratio
0.03 0.01 0.02 0.03
Current Ratio
0.82 0.79 0.79 0.80
Net Debt/EBITDA
0.00 0.00 0.00 0.00
Debt/Assets
1.04% 1.01% 1.00% 1.05%
Debt/Equity
0.21 0.20 0.20 0.18
Asset Turnover
0.06 0.06 0.06 0.06
Operating CF/Net income
2.83 1.15 0.88 2.36
Capex/Depreciation
(0.28) (0.57) (0.40) (1.16)
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
47.24% 49.16% 47.48% 49.95%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00
Share Based Compensation of Revenue
0.68% 0.20% 0.91% 1.59%
Graham Net Nets
(2.48) (3.17) (2.96) (2.70)
Graham Number
30.94 31.14 31.53 33.30
Earnings Yield
10.10% 10.24% 10.40% 10.76%
Free Cash Flow Yield
16.56% 14.76% 12.93% 18.34%
Revenue per Share
4.94 4.93 4.77 4.87
Operating CF per Share
2.13 0.69 0.57 1.44
Capex per Share
(0.03) (0.06) (0.04) (0.10)
Free Cash Flow per Share
2.09 0.63 0.53 1.34
Cash per Share
9.63 4.66 8.19 8.13
Shareholders Equity per Share
17.02 17.74 17.46 18.89
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
17.02 17.74 17.46 18.89
Free Cash Flow
9.55 2.88 2.45 6.41
Working Capital
(263.50) (326.20) (315.39) (297.48)
Capital Expenditures
(0.15) (0.29) (0.18) (0.50)
Net Current Asset Value
(279.80) (342.51) (331.71) (313.80)
EV/EBIT
0.00 0.00 0.00 0.00
Capex to Sales
0.01 0.01 0.01 0.02
Price to Operating Income
9.21 9.01 8.84 8.66
Other line items
Average Payables
1,181.42 1,191.94 1,190.60 1,098.70
Average Assets
1,546.71 1,572.77 1,574.99 1,519.58
Average Common Equity
74.99 73.67 75.32 80.83

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Columns are period end dates