What is Union Bankshares, Inc's earnings per share (EPS)?

Union Bankshares, Inc (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 Bankshares, Inc (UNB) Financials

UNB

Trailing 12 months to June 30, 2026

Revenue $57.2M +14.0% YoY

Net Income $12.1M +31.4% YoY

EPS (Diluted) $2.59 +28.9% YoY

Free Cash Flow $20.9M +104.2% YoY

Market Cap $113.7M as of Oct 21, 2026

Price / Sales 2.0x on $57.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.4x on $12.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $90.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UNB SEC filings page.

Union Bankshares, Inc (UNB) reported $57.2M in revenue over the twelve months to Jun 30, 2026, up 14.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI UNB FY2025 2026-10-04

FY2025 shows an asset-heavy financial business where improved earnings and equity rebuilt balance-sheet capacity faster than liabilities grew.

The key shift is cash conversion: FY2025 operating cash flow of $17.2M exceeded net income of $11.1M. That contrasts with FY2023, when operating cash flow was $9.2M against net income of $11.3M, indicating earnings became more cash-supported rather than simply larger.

The balance sheet remains heavily liability-funded: FY2025 liabilities were $1.54B against equity of $80.9M. Debt-to-equity nevertheless fell from 22.0x in FY2024 to 19.0x in FY2025, so the improvement came mainly through equity rebuilding while liabilities continued to rise.

The FY2025 growth pattern shows margin expansion: revenue increased 13.3% while net income increased 26.1%, so profit grew faster than the reported top line. Net margin moved from 18.3% to 20.4%, showing better profit conversion on revenue.

Financial Health Signals

Financial Health Score 44/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Union Bankshares, Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Union Bankshares, Inc earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.6% the prior year. Earnings ranks banks on that return over three years, and Union Bankshares, Inc scores 33/100 among other banks.

Growth

Union Bankshares, Inc reported revenue of $54.5M in fiscal year 2025, against $48.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Union Bankshares, Inc scores 44/100 among other banks.

Capital

Union Bankshares, Inc funded 5.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $80.9M of equity against $1.6B of assets. Capital ranks banks on that cushion, and Union Bankshares, Inc scores 3/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Union Bankshares, Inc scores 19/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Union Bankshares, Inc scores 84/100 on it among other banks.

Stability

Union Bankshares, Inc reported net income of $11.1M in fiscal year 2025, against $8.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Union Bankshares, Inc scores 79/100 among other banks.

Piotroski F-Score Partial

5/6

Union Bankshares, Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.55x

For every $1 of reported earnings, Union Bankshares, Inc 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

$14.9M

YoY+12.6%

QoQ+7.8%

5Y CAGR+4.3%

10Y CAGR+5.4%

Union Bankshares, Inc generated $14.9M in revenue in Q2 2026. This represents an increase of 12.6% from the same quarter a year earlier. Against the prior quarter it is up 7.8%.

Net Income

$2.9M

YoY+22.1%

QoQ-2.7%

5Y CAGR-0.5%

10Y CAGR+3.2%

Union Bankshares, Inc reported $2.9M in net income in Q2 2026. This represents an increase of 22.1% from the same quarter a year earlier. Against the prior quarter it is down 2.7%.

EPS (Diluted)

$0.60

YoY+15.4%

QoQ-7.7%

5Y CAGR-1.9%

Union Bankshares, Inc earned $0.60 per diluted share (EPS) in Q2 2026. This represents an increase of 15.4% from the same quarter a year earlier. Against the prior quarter it is down 7.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$6.0M

YoY+1673.0%

QoQ+144.6%

10Y CAGR+17.5%

Union Bankshares, Inc generated $6.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 1673.0% from the same quarter a year earlier. Against the prior quarter it is up 144.6%.

Cash & Debt

$31.0M

YoY+5.9%

QoQ+3.9%

5Y CAGR-12.7%

Union Bankshares, Inc held $31.0M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.36

YoY0.0%

QoQ0.0%

5Y CAGR+1.8%

10Y CAGR+2.5%

Union Bankshares, Inc paid $0.36 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+8.7%

QoQ+7.2%

5Y CAGR+2.0%

10Y CAGR+1.0%

Union Bankshares, Inc had 5M shares outstanding in Q2 2026. This represents an increase of 8.7% from the same quarter a year earlier. Against the prior quarter it is up 7.2%.

Margins & Returns

Net Margin

19.7%

YoY+1.5pp

QoQ-2.1pp

5Y change-5.1pp

10Y change-4.7pp

Union Bankshares, Inc's net profit margin was 19.7% in Q2 2026, showing the share of revenue converted to profit. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.1 percentage points.

Return on Equity

3.2%

YoY-0.1pp

QoQ-0.5pp

5Y change-0.4pp

10Y change-0.6pp

Union Bankshares, Inc's ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$920K

YoY+37.5%

QoQ+411.1%

5Y CAGR-17.0%

10Y CAGR+9.5%

Union Bankshares, Inc invested $920K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 37.5% from the same quarter a year earlier. Against the prior quarter it is up 411.1%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

UNB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UNB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$57.2M	$54.5M+13.3%	$48.1M+0.7%	$47.7M-2.3%	$48.9M+0.4%	$48.7M+2.2%	$47.6M+16.9%	$40.7M+7.0%	$38.1M+5.3%	$36.2M+3.6%	$34.9M+6.1%	$32.9M+4.1%	$31.6M+3.5%	$30.5M-5.2%	$32.2M+19.8%	$26.9M
SG&A Expenses	$43.6M	$41.7M+9.7%	$38.0M+7.5%	$35.4M+5.2%	$33.6M+2.4%	$32.9M+8.9%	$30.2M+9.9%	$27.5M-6.2%	$29.3M+22.5%	$23.9M+1.1%	$23.7M+8.4%	$21.8M+1.0%	$21.6M+1.7%	$21.2M-7.8%	$23.0M+16.5%	$19.8M
Interest Expense	$33.1M	$32.8M+10.7%	$29.6M+53.6%	$19.3M+325.9%	$4.5M+26.9%	$3.6M-30.7%	$5.1M-8.1%	$5.6M+56.4%	$3.6M+58.8%	$2.3M+9.4%	$2.1M+1.8%	$2.0M-6.0%	$2.2M-12.4%	$2.5M-26.6%	$3.4M-14.3%	$3.9M
Income Tax	N/A	$928K+151.5%	$369K-77.2%	$1.6M-38.4%	$2.6M-0.5%	$2.6M+9.4%	$2.4M+32.2%	$1.8M+43.8%	$1.3M-64.7%	$3.6M+38.7%	$2.6M-2.4%	$2.7M+35.0%	$2.0M+6.0%	$1.9M+12.0%	$1.7M+48.6%	$1.1M
Net Income	$12.1M	$11.1M+26.1%	$8.8M-22.1%	$11.3M-10.4%	$12.6M-4.2%	$13.2M+2.9%	$12.8M+20.3%	$10.6M+50.6%	$7.1M-16.3%	$8.4M-0.7%	$8.5M+8.0%	$7.9M+2.4%	$7.7M+7.8%	$7.1M+4.3%	$6.8M+31.1%	$5.2M
EPS (Basic)	N/A	$2.43+25.3%	$1.94-22.4%	$2.50-11.0%	$2.81-4.4%	$2.94+2.8%	$2.86+20.2%	$2.38+50.6%	$1.58-16.4%	$1.89-1.0%	$1.91+7.9%	$1.77+2.3%	$1.73+8.1%	$1.60+3.9%	$1.54+31.6%	$1.17
EPS (Diluted)	$2.59	$2.41+25.5%	$1.92-22.6%	$2.48-11.1%	$2.79-4.5%	$2.92+2.5%	$2.85+19.7%	$2.38	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Diluted Shares (Avg)	N/A	5M+0.8%	5M+0.4%	5M+0.5%	5M+0.1%	5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$14.9M+12.6%	$13.8M+8.5%	$14.1M+6.3%	$14.5M+31.5%	$13.2M+7.8%	$12.7M+9.8%	$13.2M+12.4%	$11.0M-5.0%
SG&A Expenses	$11.5M+9.3%	$10.8M+9.8%	$11.0M+14.9%	$10.3M+9.9%	$10.5M+7.2%	$9.8M+6.5%	$9.6M+11.4%	$9.4M+5.4%
Interest Expense	$8.4M+2.0%	$8.2M+2.6%	$8.4M+3.3%	$8.1M+3.7%	$8.3M+17.1%	$8.0M+21.4%	$8.1M+29.0%	$7.8M+36.2%
Income Tax	$301K+195.1%	$328K+118.7%	N/A	$414K+436.6%	$102K+67.2%	$150K-9.1%	N/A	-$123K-141.6%
Net Income	$2.9M+22.1%	$3.0M+20.1%	$2.7M-8.4%	$3.4M+159.5%	$2.4M+18.6%	$2.5M+3.5%	$3.0M-1.6%	$1.3M-47.7%
EPS (Basic)	$0.61+15.1%	$0.65+18.2%	$0.60-10.4%	$0.75+158.6%	$0.53+17.8%	$0.55+3.8%	$0.67-1.5%	$0.29-48.2%
EPS (Diluted)	$0.60+15.4%	$0.65+18.2%	$0.59-9.2%	$0.75+158.6%	$0.52+15.6%	$0.55+3.8%	$0.65-3.0%	$0.29-47.3%
Diluted Shares (Avg)	5M+5.5%	5M+1.8%	N/A	5M+1.0%	5M+0.6%	5M+0.7%	N/A	5M+0.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

UNB Balance Sheet

UNB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.6B+5.8%	$1.5B+4.0%	$1.5B+9.9%	$1.3B+10.9%	$1.2B+10.2%	$1.1B+25.3%	$872.9M+8.4%	$805.3M+8.0%	$745.8M+7.9%	$691.4M+9.9%	$628.9M+0.8%	$624.1M+6.6%	$585.4M+1.4%	$577.3M+4.4%	$552.8M
Cash & Equivalents	$12.3M-22.3%	$15.8M-79.6%	$77.7M+105.0%	$37.9M-42.5%	$65.9M-46.3%	$122.8M+140.1%	$51.1M+37.1%	$37.3M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	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	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$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+26.4%	$801.1M+8.1%	$740.8M+7.8%	$687.2M+8.2%	$635.1M+10.4%	$575.3M+0.5%	$572.6M+6.9%	$535.6M+0.6%	$532.2M+3.9%	$512.4M
Total Equity	$80.9M+21.6%	$66.5M+1.0%	$65.8M+19.2%	$55.2M-34.5%	$84.3M+4.3%	$80.9M+12.6%	$71.8M+11.4%	$64.5M+9.9%	$58.7M+4.2%	$56.3M+5.1%	$53.6M+4.1%	$51.4M+3.2%	$49.8M+10.6%	$45.0M+11.7%	$40.3M
Retained Earnings	$96.2M+4.9%	$91.7M+2.5%	$89.5M+5.7%	$84.7M+8.1%	$78.3M+10.2%	$71.1M+11.1%	$64.0M+8.7%	$58.9M+3.0%	$57.2M+7.7%	$53.1M+7.2%	$49.5M+6.6%	$46.5M+7.0%	$43.4M+6.5%	$40.8M+6.2%	$38.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$1.6B+5.3%	$1.6B+6.6%	$1.6B+5.8%	$1.6B+3.6%	$1.5B+5.9%	$1.5B+7.6%	$1.5B+4.0%	$1.5B+8.9%
Cash & Equivalents	$31.0M+5.9%	$29.8M+117.5%	$12.3M-22.3%	$35.5M-24.9%	$29.3M-4.1%	$13.7M-39.5%	$15.8M-79.6%	$47.3M+121.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$1.5B+4.2%	$1.5B+6.2%	$1.5B+5.1%	$1.5B+3.4%	$1.4B+5.6%	$1.5B+7.5%	$1.5B+4.2%	$1.4B+7.5%
Total Equity	$90.4M+26.9%	$80.6M+15.0%	$80.9M+21.6%	$77.7M+7.4%	$71.3M+11.3%	$70.1M+9.8%	$66.5M+1.0%	$72.3M+46.8%
Retained Earnings	$98.9M+5.9%	$97.6M+5.4%	$96.2M+4.9%	$95.1M+5.3%	$93.3M+3.0%	$92.6M+2.6%	$91.7M+2.5%	$90.3M+2.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

UNB Cash Flow Statement

UNB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$22.4M	$17.2M+41.8%	$12.2M+32.2%	$9.2M-68.3%	$29.0M-0.5%	$29.2M+513.3%	-$7.1M-160.6%	$11.6M-30.5%	$16.8M+69.9%	$9.9M+29.1%	$7.6M-41.8%	$13.1M+495.7%	$2.2M-87.6%	$17.8M+413.2%	$3.5M-52.8%	$7.4M
Depreciation & Amortization	N/A	$1.6M+2.4%	$1.6M-2.8%	$1.6M-9.0%	$1.8M-1.3%	$1.8M-3.5%	$1.9M+20.7%	$1.6M+28.9%	$1.2M-0.6%	$1.2M-2.5%	$1.3M+16.2%	$1.1M+10.7%	$976K+8.2%	$902K+1.7%	$887K+28.2%	$692K
Stock-Based Compensation	N/A	$494K+24.1%	$398K+6.4%	$374K-16.1%	$446K+49.2%	$299K+26.7%	$236K+43.0%	$165K+37.5%	$120K+15.4%	$104K+57.6%	$66K+88.6%	$35K+75.0%	$20K+66.7%	$12K+50.0%	$8K-11.1%	$9K
Capital Expenditures	$1.5M	$1.3M+17.0%	$1.1M-45.0%	$1.9M+192.6%	$665K-81.0%	$3.5M+248.5%	$1.0M-84.3%	$6.4M+109.0%	$3.1M+54.5%	$2.0M+2.5%	$1.9M-15.3%	$2.3M+5.5%	$2.2M+68.1%	$1.3M-36.0%	$2.0M+34.8%	$1.5M
Free Cash Flow	$20.9M	$16.0M+44.2%	$11.1M+52.9%	$7.2M-74.5%	$28.4M+10.5%	$25.7M+418.3%	-$8.1M-254.4%	$5.2M-61.8%	$13.7M+73.7%	$7.9M+38.1%	$5.7M-47.4%	$10.8M+31785.3%	$34K-99.8%	$16.5M+1036.7%	$1.5M-75.2%	$5.9M
Investing Cash Flow	-$79.9M	-$88.3M+29.2%	-$124.8M-51.8%	-$82.3M+60.4%	-$207.6M-9.2%	-$190.0M-50.9%	-$125.9M-157.3%	-$48.9M+28.0%	-$68.0M-22.8%	-$55.3M-35.9%	-$40.7M-16.9%	-$34.8M-57.3%	-$22.1M+36.7%	-$35.0M-23534.5%	-$148K+99.3%	-$22.6M
Financing Cash Flow	$59.2M	$67.6M+32.9%	$50.8M-54.9%	$112.8M-25.0%	$150.5M+44.8%	$104.0M-49.2%	$204.6M+300.2%	$51.1M+2.3%	$50.0M+11.8%	$44.7M-17.8%	$54.4M+2731.5%	-$2.1M-106.7%	$31.0M+2160.5%	$1.4M-92.7%	$18.8M-25.9%	$25.4M
Dividends Paid	$6.6M	$6.6M+0.7%	$6.5M+0.3%	$6.5M+3.1%	$6.3M+6.4%	$5.9M+3.3%	$5.7M+4.1%	$5.5M+3.2%	$5.3M+3.4%	$5.2M+4.3%	$4.9M+2.6%	$4.8M+3.9%	$4.6M+3.0%	$4.5M+1.0%	$4.5M0.0%	$4.5M
Share Buybacks	N/A	N/A	$0-100.0%	$130K+64.6%	$79K+3850.0%	$2K	$0-100.0%	$13K-87.9%	$107K+78.3%	$60K+900.0%	$6K-93.6%	$94K+108.9%	$45K+114.3%	$21K-41.7%	$36K	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$6.9M+2300.3%	$2.6M-35.2%	$3.2M-45.0%	$9.7M+657.9%	$288K-91.1%	$4.1M+118.2%	$5.8M+89.8%	$1.3M+211.7%
Depreciation & Amortization	$429K+5.7%	$424K+11.6%	$419K+11.7%	$426K+7.8%	$406K+0.2%	$380K-9.1%	$375K-12.2%	$395K-1.3%
Stock-Based Compensation	N/A	$201K+37.7%	N/A	N/A	N/A	$146K0.0%	N/A	N/A
Capital Expenditures	$920K+37.5%	$180K+25.9%	$286K+105.8%	$155K-26.5%	$669K+99.1%	$143K-62.9%	$139K-83.3%	$211K-70.3%
Free Cash Flow	$6.0M+1673.0%	$2.5M-37.5%	$2.9M-48.7%	$9.6M+792.9%	-$381K-113.1%	$3.9M+165.4%	$5.6M+155.2%	$1.1M+456.7%
Investing Cash Flow	$68.1M+5.0%	$7.2M+269.5%	-$66.1M-31.7%	-$89.0M+7.7%	$64.9M+130.5%	$1.9M+130.9%	-$50.2M-1380.0%	-$96.5M-17.7%
Financing Cash Flow	-$73.9M-48.9%	$7.7M+194.6%	$39.8M+205.6%	$85.5M-23.6%	-$49.6M-110.7%	-$8.1M+83.9%	$13.0M-77.0%	$111.9M+66.9%
Dividends Paid	$1.7M+1.7%	$1.7M+1.7%	$1.6M+1.2%	$1.6M+0.6%	$1.6M+0.4%	$1.6M+0.4%	$1.6M+0.4%	$1.6M+0.3%
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$0-100.0%

UNB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UNB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	20.4%+2.1pp	18.3%-5.4pp	23.7%-2.1pp	25.8%-1.3pp	27.1%+0.2pp	26.9%+0.8pp	26.2%+7.6pp	18.6%-4.8pp	23.4%-1.0pp	24.4%+0.4pp	23.9%-0.4pp	24.3%+1.0pp	23.4%+2.1pp	21.3%+1.8pp	19.4%
Return on Equity	13.7%+0.5pp	13.2%-3.9pp	17.2%-5.7pp	22.8%+7.2pp	15.6%-0.2pp	15.8%+1.0pp	14.8%+3.8pp	11.0%-3.4pp	14.4%-0.7pp	15.1%+0.4pp	14.7%-0.3pp	15.0%+0.6pp	14.3%-0.9pp	15.2%+2.3pp	12.9%
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%-0.1pp	1.2%+0.3pp	0.9%-0.2pp	1.1%-0.1pp	1.2%0.0pp	1.3%0.0pp	1.2%0.0pp	1.2%0.0pp	1.2%+0.3pp	0.9%
Debt-to-Equity	19.00-3.0x	21.99+0.7x	21.32-1.9x	23.20+9.9x	13.29+0.8x	12.52+1.4x	11.15-0.3x	11.49-0.2x	11.71+0.4x	11.28+0.5x	10.74-0.4x	11.13+0.4x	10.75-1.1x	11.81-0.9x	12.70
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.05
FCF Margin	29.3%+6.3pp	23.0%+7.9pp	15.2%-42.9pp	58.0%+5.3pp	52.8%+69.7pp	-17.0%-29.8pp	12.8%-23.1pp	36.0%+14.2pp	21.8%+5.5pp	16.3%-16.6pp	32.9%+32.8pp	0.1%-54.0pp	54.1%+49.6pp	4.5%-17.3pp	21.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	19.7%+1.5pp	21.8%+2.1pp	19.5%-3.1pp	23.7%+11.7pp	18.1%+1.7pp	19.7%-1.2pp	22.7%-3.2pp	12.0%-9.8pp
Return on Equity	3.2%-0.1pp	3.7%+0.2pp	3.4%-1.1pp	4.4%+2.6pp	3.4%+0.2pp	3.6%-0.2pp	4.5%-0.1pp	1.8%-3.3pp
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.1%-0.1pp
Debt-to-Equity	16.24-3.5x	19.17-1.6x	19.00-3.0x	19.26-0.8x	19.77-1.1x	20.76-0.5x	21.99+0.7x	20.02-7.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	40.3%+43.2pp	17.8%-13.0pp	20.5%-22.0pp	65.9%+56.2pp	-2.9%-26.7pp	30.8%+18.1pp	42.5%+23.8pp	9.7%+12.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Union Bankshares, Inc UNB	FY2025	$54.5M	$11.1M	20.4%	$113.7M	44/100
Bogota Financial Corp. BSBK	FY2025	$17.2M	$2.1M	12.1%	$116.4M	40/100
FIRST GUARANTY BANCSHARES INC FGBI	FY2025	$95.4M	-$56.0M	-58.7%	$137.1M	9/100
Affinity Bancshares, Inc. AFBI	FY2025	$33.1M	$8.3M	25.2%	$140.2M	59/100
Magyar Bancorp, Inc. MGYR	FY2025	$54.7M	$9.8M	17.8%	$125.8M	56/100
Riverview Bancorp Inc RVSB	FY2026	$43.1M	-$4.3M	-10.1%	$120.1M	25/100

Where Union Bankshares, Inc Ranks

Frequently Asked Questions

What is Union Bankshares, Inc's annual revenue?

Union Bankshares, Inc (UNB) reported $54.5M in total revenue for fiscal year 2025. This represents a 13.3% 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 Bankshares, Inc's revenue growing?

Union Bankshares, Inc (UNB) revenue grew by 13.3% year-over-year, from $48.1M to $54.5M in fiscal year 2025.

Is Union Bankshares, Inc profitable?

Yes, Union Bankshares, Inc (UNB) reported a net income of $11.1M in fiscal year 2025, with a net profit margin of 20.4%.

What is Union Bankshares, Inc's net profit margin?

Union Bankshares, Inc (UNB) had a net profit margin of 20.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Union Bankshares, Inc pay dividends?

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

What is Union Bankshares, Inc's return on equity (ROE)?

Union Bankshares, Inc (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 Bankshares, Inc's free cash flow?

Union Bankshares, Inc (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 Bankshares, Inc's operating cash flow?

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

What are Union Bankshares, Inc's total assets?

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

What are Union Bankshares, Inc's capital expenditures?

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

How many shares does Union Bankshares, Inc have outstanding?

Union Bankshares, Inc (UNB) had 5M shares outstanding as of fiscal year 2025.

What is Union Bankshares, Inc's debt-to-equity ratio?

Union Bankshares, Inc (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 Bankshares, Inc's return on assets (ROA)?

Union Bankshares, Inc (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 Bankshares, Inc's P/E ratio?

Union Bankshares, Inc (UNB) trades at 9.4x earnings, its market capitalization divided by net income of $12.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $113.7M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Union Bankshares, Inc's price-to-sales ratio?

Union Bankshares, Inc (UNB) trades at 2.0x sales, its market capitalization divided by revenue of $57.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $113.7M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Union Bankshares, Inc's Piotroski F-Score?

Union Bankshares, Inc (UNB) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Union Bankshares, Inc's earnings high quality?

Union Bankshares, Inc (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 Bankshares, Inc?

Union Bankshares, Inc (UNB) scores 44 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.