What is Union Bnkshrs's earnings per share (EPS)?

Union Bnkshrs (UNB) reported diluted earnings per share of $2.41 for fiscal year 2025. This represents a 25.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Union Bnkshrs Financials

UNB

Source SEC Filings (10-K/10-Q) Updated Mar 20, 2026 Currency USD FYE March

This page shows Union Bnkshrs (UNB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 35/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Union Bnkshrs's revenue declined 88.9% year-over-year, from $68.0M to $7.5M. This contraction results in a growth score of 0/100.

Leverage

Union Bnkshrs has elevated debt relative to equity (D/E of 19.00), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Union Bnkshrs converts 212.1% of revenue into free cash flow ($16.0M). This strong cash generation earns a score of 100/100.

Returns

Union Bnkshrs's ROE of 13.7% shows moderate profitability relative to equity, earning a score of 42/100. This is up from 13.2% the prior year.

Piotroski F-Score Neutral

4/9

Union Bnkshrs passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.55x

For every $1 of reported earnings, Union Bnkshrs generates $1.55 in operating cash flow ($17.2M OCF vs $11.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$7.5M

YoY-88.9%

5Y CAGR-27.2%

10Y CAGR-11.4%

Union Bnkshrs generated $7.5M in revenue in fiscal year 2025. This represents a decrease of 88.9% from the prior year.

EBITDA

N/A

Net Income

$11.1M

YoY+26.5%

5Y CAGR-2.9%

10Y CAGR+3.5%

Union Bnkshrs reported $11.1M in net income in fiscal year 2025. This represents an increase of 26.5% from the prior year.

EPS (Diluted)

$2.41

YoY+25.5%

5Y CAGR-3.3%

Union Bnkshrs earned $2.41 per diluted share (EPS) in fiscal year 2025. This represents an increase of 25.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$16.0M

YoY+44.2%

10Y CAGR+4.0%

Union Bnkshrs generated $16.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 44.2% from the prior year.

Cash & Debt

$54K

YoY-99.7%

5Y CAGR-78.7%

Union Bnkshrs held $54K in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.44

YoY+0.0%

5Y CAGR+2.4%

10Y CAGR+2.9%

Union Bnkshrs paid $1.44 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

Union Bnkshrs had 5M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

147.2%

YoY+134.3pp

5Y CAGR+112.3pp

10Y CAGR+115.8pp

Union Bnkshrs's net profit margin was 147.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 134.3 percentage points from the prior year.

Return on Equity

13.7%

YoY+0.5pp

5Y CAGR-2.1pp

10Y CAGR-1.0pp

Union Bnkshrs's ROE was 13.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.3M

YoY+17.0%

5Y CAGR+4.5%

10Y CAGR-5.8%

Union Bnkshrs invested $1.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 17.0% from the prior year.

UNB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$7.5M-88.9%	$68.0M+19.0%	$57.1M+29.9%	$43.9M+11.9%	$39.3M+6.9%	$36.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$32.8M+10.7%	$29.6M+53.6%	$19.3M+325.9%	$4.5M+26.9%	$3.6M-30.7%	$5.1M
Income Tax	$928K+151.5%	$369K-77.2%	$1.6M-38.4%	$2.6M-0.5%	$2.6M+9.4%	$2.4M
Net Income	$11.1M+26.5%	$8.8M-22.2%	$11.3M-10.8%	$12.6M-4.2%	$13.2M+2.9%	$12.8M
EPS (Diluted)	$2.41+25.5%	$1.92-22.6%	$2.48-11.1%	$2.79-4.5%	$2.92+2.5%	$2.85

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$19.2M+2.6%	$18.7M+2.3%	$18.3M-1.6%	$18.6M+8.1%	$17.2M+3.9%	$16.6M+6.0%	$15.6M+1.3%	$15.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$8.1M-2.7%	$8.3M+3.1%	$8.0M-1.5%	$8.1M+5.0%	$7.8M+9.8%	$7.1M+6.9%	$6.6M+4.7%	$6.3M
Income Tax	$414K+305.9%	$102K-32.0%	$150K	N/A	-$123K-301.6%	$61K-63.0%	$165K	N/A
Net Income	$3.4M+43.5%	$2.4M-4.2%	$2.5M-16.7%	$3.0M+126.7%	$1.3M-34.4%	$2.0M-16.5%	$2.4M-20.7%	$3.0M
EPS (Diluted)	$0.75+44.2%	$0.52-5.5%	$0.55-15.4%	$0.65+124.1%	$0.29-35.6%	$0.45-15.1%	$0.53-20.9%	$0.67

UNB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.6B+5.8%	$1.5B+4.0%	$1.5B+9.9%	$1.3B+10.9%	$1.2B+10.2%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$54K-99.7%	$15.8M-79.6%	$77.7M+105.0%	$37.9M-42.5%	$65.9M-46.3%	$122.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	$2.2M
Total Liabilities	$1.5B+5.1%	$1.5B+4.2%	$1.4B+9.5%	$1.3B+14.3%	$1.1B+10.7%	$1.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$80.9M+21.6%	$66.5M+1.0%	$65.8M+19.2%	$55.2M-34.5%	$84.3M+4.3%	$80.9M
Retained Earnings	$96.2M+4.9%	$91.7M+2.5%	$89.5M+5.7%	$84.7M+8.1%	$78.3M+10.2%	$71.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.6B+6.3%	$1.5B-2.9%	$1.5B-0.2%	$1.5B+0.6%	$1.5B+8.7%	$1.4B-1.4%	$1.4B-3.5%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$35.5M+21.2%	$29.3M+113.4%	$13.7M-13.4%	$15.8M-66.5%	$47.3M+54.9%	$30.5M+34.6%	$22.7M-70.8%	$77.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.5B+6.2%	$1.4B-3.1%	$1.5B-0.5%	$1.5B+1.0%	$1.4B+8.5%	$1.3B-1.4%	$1.4B-3.5%	$1.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$77.7M+9.0%	$71.3M+1.7%	$70.1M+5.4%	$66.5M-8.1%	$72.3M+12.9%	$64.0M+0.4%	$63.8M-3.0%	$65.8M
Retained Earnings	$95.1M+1.9%	$93.3M+0.8%	$92.6M+0.9%	$91.7M+1.5%	$90.3M-0.3%	$90.7M+0.4%	$90.3M+0.9%	$89.5M

UNB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$17.2M+41.8%	$12.2M+32.2%	$9.2M-68.3%	$29.0M-0.5%	$29.2M+513.3%	-$7.1M
Capital Expenditures	$1.3M+17.0%	$1.1M-45.0%	$1.9M+192.6%	$665K-81.0%	$3.5M+248.5%	$1.0M
Free Cash Flow	$16.0M+44.2%	$11.1M+52.9%	$7.2M-74.5%	$28.4M+10.5%	$25.7M+418.3%	-$8.1M
Investing Cash Flow	-$88.3M+29.2%	-$124.8M-51.8%	-$82.3M+60.4%	-$207.6M-9.2%	-$190.0M-50.9%	-$125.9M
Financing Cash Flow	$67.6M+32.9%	$50.8M-54.9%	$112.8M-25.0%	$150.5M+44.8%	$104.0M-49.2%	$204.6M
Dividends Paid	$6.6M+0.7%	$6.5M+0.3%	$6.5M+3.1%	$6.3M+6.4%	$5.9M+3.3%	$5.7M
Share Buybacks	N/A	$0-100.0%	$130K+64.6%	$79K+3850.0%	$2K	$0

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$9.7M+3271.2%	$288K-92.9%	$4.1M-29.5%	$5.8M+349.6%	$1.3M-60.6%	$3.3M+74.6%	$1.9M-38.7%	$3.0M
Capital Expenditures	$155K-76.8%	$669K+367.8%	$143K+2.9%	$139K-34.1%	$211K-37.2%	$336K-12.7%	$385K-53.8%	$833K
Free Cash Flow	$9.6M+2607.6%	-$381K-109.7%	$3.9M-30.3%	$5.6M+425.2%	$1.1M-63.3%	$2.9M+97.4%	$1.5M-33.0%	$2.2M
Investing Cash Flow	-$89.0M-237.2%	$64.9M+3230.7%	$1.9M+103.9%	-$50.2M+48.0%	-$96.5M-442.8%	$28.1M+546.9%	-$6.3M-85.7%	-$3.4M
Financing Cash Flow	$85.5M+272.4%	-$49.6M-510.0%	-$8.1M-162.5%	$13.0M-88.4%	$111.9M+575.4%	-$23.5M+53.4%	-$50.6M-189.2%	$56.7M
Dividends Paid	$1.6M+0.2%	$1.6M0.0%	$1.6M+0.3%	$1.6M+0.1%	$1.6M+0.1%	$1.6M0.0%	$1.6M+0.3%	$1.6M
Share Buybacks	N/A	N/A	N/A	$0	$0	$0	$0-100.0%	$15K

UNB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	147.2%+134.3pp	12.9%-6.8pp	19.7%-9.0pp	28.7%-4.8pp	33.5%-1.3pp	34.8%
Return on Equity	13.7%+0.5pp	13.2%-3.9pp	17.1%-5.7pp	22.8%+7.2pp	15.6%-0.2pp	15.8%
Return on Assets	0.7%+0.1pp	0.6%-0.2pp	0.8%-0.2pp	0.9%-0.1pp	1.1%-0.1pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	19.00-3.0	21.99+0.7	21.32-1.9	23.20+9.9	13.29+0.8	12.52
FCF Margin	212.1%+195.8pp	16.3%+3.6pp	12.7%-51.8pp	64.5%-0.9pp	65.4%+87.4pp	-22.0%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.9%+5.1pp	12.8%-0.9pp	13.7%-2.5pp	16.1%+8.4pp	7.7%-4.5pp	12.2%-3.3pp	15.5%-4.3pp	19.8%
Return on Equity	4.4%+1.1pp	3.4%-0.2pp	3.6%-0.9pp	4.5%+2.7pp	1.8%-1.3pp	3.1%-0.6pp	3.8%-0.8pp	4.6%
Return on Assets	0.2%+0.1pp	0.2%0.0pp	0.2%-0.0pp	0.2%+0.1pp	0.1%-0.1pp	0.1%-0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	19.26-0.5	19.77-1.0	20.76-1.2	21.99+2.0	20.02-0.8	20.84-0.4	21.21-0.1	21.32
FCF Margin	49.7%+51.8pp	-2.0%-23.5pp	21.4%-8.8pp	30.2%+24.0pp	6.2%-11.4pp	17.6%+8.2pp	9.4%-4.8pp	14.3%

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Frequently Asked Questions

What is Union Bnkshrs's annual revenue?

Union Bnkshrs (UNB) reported $7.5M in total revenue for fiscal year 2025. This represents a -88.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Union Bnkshrs's revenue growing?

Union Bnkshrs (UNB) revenue declined by 88.9% year-over-year, from $68.0M to $7.5M in fiscal year 2025.

Is Union Bnkshrs profitable?

Yes, Union Bnkshrs (UNB) reported a net income of $11.1M in fiscal year 2025, with a net profit margin of 147.2%.

What is Union Bnkshrs's net profit margin?

Union Bnkshrs (UNB) had a net profit margin of 147.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Union Bnkshrs pay dividends?

Yes, Union Bnkshrs (UNB) paid $1.44 per share in dividends during fiscal year 2025.

What is Union Bnkshrs's return on equity (ROE)?

Union Bnkshrs (UNB) has a return on equity of 13.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Union Bnkshrs's free cash flow?

Union Bnkshrs (UNB) generated $16.0M in free cash flow during fiscal year 2025. This represents a 44.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Union Bnkshrs's operating cash flow?

Union Bnkshrs (UNB) generated $17.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Union Bnkshrs's total assets?

Union Bnkshrs (UNB) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Union Bnkshrs's capital expenditures?

Union Bnkshrs (UNB) invested $1.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Union Bnkshrs have outstanding?

Union Bnkshrs (UNB) had 5M shares outstanding as of fiscal year 2025.

What is Union Bnkshrs's debt-to-equity ratio?

Union Bnkshrs (UNB) had a debt-to-equity ratio of 19.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Union Bnkshrs's return on assets (ROA)?

Union Bnkshrs (UNB) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Union Bnkshrs's Piotroski F-Score?

Union Bnkshrs (UNB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Union Bnkshrs's earnings high quality?

Union Bnkshrs (UNB) has an earnings quality ratio of 1.55x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Union Bnkshrs?

Union Bnkshrs (UNB) scores 35 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.