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

Insider Decisions trades per month

Total buys 0.04

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	1	2	1	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 21.04%

Capital & Financial Ratios $m

Market Cap 112.57

Revenue 90.36

Net Income 12.11

Free Cash Flow 21.30

Net Debt (22.62)

Current Ratio 0.80

Debt/Equity 0.18

P/E ratio 8.82

Fwd P/E —

P/S ratio 1.22

P/B ratio 1.22

Past 5Y EPS Growth (3.21%)

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 13.27%

10-year low 10-year high

P/S against its own 10 years 1.88%

10-year low 10-year high

P/B against its own 10 years 4.28%

10-year low 10-year high

Dividends

Payout Ratio 0.55

Annual Dividend Rate 1.44

Annual Dividend Yield 6.25%

	total	individual payouts
2026	1.08	0.36 0.36 0.36
2025	1.44	0.36 0.36 0.36 0.36
2024	1.44	0.36 0.36 0.36 0.36
2023	1.44	0.36 0.36 0.36 0.36
2022	1.40	0.35 0.35 0.35 0.35
2021	1.32	0.33 0.33 0.33 0.33
2020	1.28	0.32 0.32 0.32 0.32
2019	1.24	0.31 0.31 0.31 0.31
2018	1.20	0.30 0.30 0.30 0.30
2017	1.16	0.29 0.29 0.29 0.29
2016	1.11	0.27 0.28 0.28 0.28

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	26.50	39.55	41.40	25.54	16.50	25.05	21.29	20.07	21.00	20.65	Analyst estimates 2026–2028 Powerpack
	High	50.15	55.00	55.00	49.00	37.95	37.99	33.03	30.93	37.70	36.00
People
People	Employees	191	194	195	201	193	194	188	197	191	195
	Revenue/emp, $m	0.19	0.20	0.21	0.23	0.27	0.27	0.28	0.34	0.41	0.45
Income, $m
Income, $m	Revenue	37	38	42	46	53	52	53	67	78	87
	Gross margin, %	94.43	94.13	91.40	87.91	90.24	93.18	91.53	71.25	61.91	62.44
	EBT	11	12	8	12	15	16	15	13	9	12
	EBT margin, %	30.04	31.38	20.03	26.94	28.86	30.28	28.55	19.22	11.75	13.76
	Net income	9	8	7	11	13	13	13	11	9	11
	Depreciation	2	2	2	2	3	2	2	2	2	2
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
	Earnings	1.91	1.89	1.58	2.38	2.86	2.94	2.81	2.50	1.94	2.43
	Cash flow	1.71	2.21	3.75	2.61	(1.58)	6.51	6.46	2.04	2.69	3.78
	Capex	(0.39)	(0.45)	(0.64)	(1.44)	(0.22)	(0.78)	(0.15)	(0.43)	(0.23)	(0.27)
	Free cash flow	1.32	1.77	3.11	1.17	(1.80)	5.73	6.31	1.61	2.46	3.50
	Book value	12.62	13.15	14.44	16.08	18.07	18.81	12.28	14.59	14.70	17.74
	Shares, m	4	4	4	4	4	4	4	5	5	5
Valuation, ×
Valuation, ×	P/E	23.06	27.65	30.22	15.24	8.99	10.15	8.89	12.37	14.90	9.77
	P/S	5.31	6.07	5.12	3.50	2.18	2.56	2.10	2.08	1.68	1.24
	P/B	3.49	3.97	3.31	2.26	1.42	1.59	2.03	2.12	1.97	1.34
	EV/Sales	3.99	4.82	4.00	2.45	(0.22)	1.36	1.39	0.95	1.57	1.18
	EV/FCF	25.00	23.51	11.99	21.68	1.42	2.76	2.62	8.72	10.94	6.46
Cash, $m
Cash, $m	Operating cash flow	8	10	17	12	(7)	29	29	9	12	17
	Capex	(2)	(2)	(3)	(6)	(1)	(4)	(1)	(2)	(1)	(1)
	Free cash flow	6	8	14	5	(8)	26	28	7	11	16
Balance, $m
Balance, $m	Working capital	(48)	(47)	(54)	(71)	(82)	(232)	(258)	(268)	(265)	(326)
	Total debt	20	10	27	49	9	16	16	16	16	16
	Net debt	(29)	(38)	(20)	(9)	(126)	(63)	(38)	(76)	(9)	(5)
	Shareholders’ equity	56	59	64	72	81	84	55	66	66	81
Returns, %
Returns, %	ROA	1.29	1.18	0.91	1.27	1.30	1.15	0.99	0.80	0.58	0.70
	ROIC	25.25	36.21	11.62	12.35	0.00	46.20	55.69	0.00	9.93	9.89
	ROE	15.50	14.70	11.48	15.62	16.77	15.94	18.08	18.60	13.25	15.04

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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	$119.1M	— (loss-making)	17.7×	+6.30% (above 0%: growing)	+33.33% (above 0%: growing)	+342.43% (above 0%: growing)	75.12%	0.00%	Compare
BSBK Bogota Financial Corporation	$116.5M	43.4×	29.2×	−5.42% (below 0%: shrinking)	+200.00% (above 0%: growing)	+11.78% (above 0%: growing)	43.91%	0.00%	Compare
WSBK Winchester Bancorp, Inc.	$116.0M	26.4×	—	+16.83% (above 0%: growing)	—	−44.14% (below 0%: shrinking)	52.64%	0.00%	Compare
OPHC OptimumBank Holdings, Inc.	$113.0M	5.6×	6.5×	+38.96% (above 0%: growing)	+29.03% (above 0%: growing)	+67.40% (above 0%: growing)	70.97%	0.00%	Compare
PROV Provident Financial Holdings, Inc.	$112.9M	17.4×	13.1×	+1.58% (above 0%: growing)	+40.00% (above 0%: growing)	+52.70% (above 0%: growing)	69.62%	0.00%	Compare
UNB Union Bankshares, Inc.	$112.6M	8.8×	—	+8.47% (above 0%: growing)	+15.09% (above 0%: growing)	+1,783.20% (above 0%: growing)	63.79%	0.00%
SFBC Sound Financial Bancorp, Inc.	$111.8M	13.9×	—	+1.50% (above 0%: growing)	+22.50% (above 0%: growing)	+132.05% (above 0%: growing)	67.71%	0.00%	Compare
BYFC Broadway Financial Corporation	$107.2M	— (loss-making)	— (loss-making)	+27.12% (above 0%: growing)	n/m	+24.68% (above 0%: growing)	55.67%	0.00%	Compare
PBHC Pathfinder Bancorp, Inc.	$106.5M	— (loss-making)	—	+9.22% (above 0%: growing)	n/m	+155.06% (above 0%: growing)	60.96%	0.00%	Compare
Median of peers	$112.9M	17.4×	15.4×	+7.76%	+33.33%	+60.05%	64.34%	0.00%

All 323 Banks Regional stocks →

Union Bankshares, Inc. (UNB) key facts

Strength: Union Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $87.3 million, up 12.3% from fiscal 2024.
Strength: Net income was $11.1 million, or $2.43 per share (basic), a net margin of 12.7%.
Union Bankshares, Inc. (UNB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, UNB traded at $23.03, a market capitalization of $112.6 million.
At that price the stock trades at 8.8× trailing-twelve-month earnings and 1.2× sales; its P/E is higher than 13% of its own readings over the past ten years.
Union Bankshares, Inc. pays an annual dividend of $1.44 per share, a yield of 6.25%, with a payout ratio of 55.2%.
Return on equity was 15.0% and debt-to-equity 0.18.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.