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Financials · UNB

Union Bankshares Inc. (UNB) financials

For the twelve months ended Sep 30, 2026, Union Bankshares Inc. reported $57.70M of revenue and $12.44M of net income.

Revenue, TTM
$57.70M
Revenue growth, YoY
+7.6%
Net income, TTM
$12.44M
Net income growth, YoY
+9.8%
Net margin
21.6%
Free cash flow, TTM
$12.17M
EPS, diluted, TTM
$2.60
EPS growth, YoY
+5.3%
Cash
$23.33M
P/E
9.12
P/S
1.97
Market cap
$113.5M
Annual revenue$54.48M
FY2016FY2025
Annual net income$11.08M
FY2016FY2025
Annual free cash flow$15.97M
FY2016FY2025

UNB revenue and earnings growth

UNB revenueQ3 2026$14.99M

Quarter YoY
+3.3%
QoQ
+0.8%
FY YoY
+13.3%
5Y CAGR
+2.7%
10Y CAGR
+5.2%

UNB revenue was $14.99M in fiscal Q3 2026 (ended Sep 30, 2026), up 3.3% from a year earlier and up 0.8% from the prior quarter. For the full fiscal 2025 it was $54.48M, up 13.3% from fiscal 2024. Compound annual growth was +2.7% over 5 years and +5.2% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UNB net incomeQ3 2026$3.77M

Quarter YoY
+9.7%
QoQ
+28.9%
FY YoY
+26.5%
5Y CAGR
-2.9%
10Y CAGR
+3.5%

UNB net income was $3.77M in fiscal Q3 2026 (ended Sep 30, 2026), up 9.7% from a year earlier and up 28.9% from the prior quarter. For the full fiscal 2025 it was $11.08M, up 26.5% from fiscal 2024. Compound annual growth was -2.9% over 5 years and +3.5% over 10 years. It rose in 5 of the last 10 fiscal years.

UNB EPSQ3 2026$0.76

Quarter YoY
+1.3%
QoQ
+26.7%
FY YoY
+25.5%
5Y CAGR
-3.3%

UNB diluted EPS was $0.76 in fiscal Q3 2026 (ended Sep 30, 2026), up 1.3% from a year earlier and up 26.7% from the prior quarter. For the full fiscal 2025 it was $2.41, up 25.5% from fiscal 2024. Compound annual growth was -3.3% over 5 years.

UNB free cash flowQ3 2026$849.0K

Quarter YoY
-91.1%
QoQ
-85.8%
FY YoY
+44.2%
10Y CAGR
+4.0%

UNB free cash flow was $849.0K in fiscal Q3 2026 (ended Sep 30, 2026), down 91.1% from a year earlier and down 85.8% from the prior quarter. For the full fiscal 2025 it was $15.97M, up 44.2% from fiscal 2024. Compound annual growth was +4.0% over 10 years. It rose in 3 of the last 4 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$54.48M$48.09M$47.75M$48.88M$48.67M$47.61M$40.73M$38.07M$36.16M$34.91M
Interest expense--$19.27M$4.52M$3.56M$5.15M$5.60M$3.58M$2.25M$2.06M
Pre-tax income-----$15.22M$12.48M$8.35M$12.05M$11.11M
Income tax$928.0K$369.0K$1.62M$2.63M$2.65M$2.42M$1.83M$1.27M$3.60M$2.60M
Net income$11.08M$8.76M$11.26M$12.62M$13.17M$12.80M$10.65M$7.07M$8.45M$8.51M
EPS, basic$2.43$1.94$2.50$2.81$2.94$2.86$2.38$1.58$1.89$1.91
EPS, diluted$2.41$1.92$2.48$2.79$2.92$2.85$2.38---
Diluted shares4.6M4.6M4.5M4.5M4.5M4.5M4.5M---

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$12.30M$15.84M$77.67M$37.88M$65.92M$122.77M$51.13M$37.29M--
Goodwill-----$2.22M$2.22M$2.22M$2.22M$2.22M
Total assets$1.62B$1.53B$1.47B$1.34B$1.21B$1.09B$872.91M$805.34M$745.83M$691.38M
Total liabilities$1.54B$1.46B$1.40B$1.28B$1.12B$1.01B$801.07M$740.85M$687.17M$635.10M
Shareholders' equity$80.86M$66.48M$65.81M$55.22M$84.34M$80.87M$71.84M$64.49M$58.66M$56.28M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$17.23M$12.15M$9.19M$29.03M$29.19M-$7.06M$11.64M$16.76M$9.87M$7.64M
Capital expenditures$1.25M$1.07M$1.95M$665.0K$3.51M$1.01M$6.42M$3.07M$1.99M$1.94M
Free cash flow$15.97M$11.08M$7.25M$28.37M$25.68M-$8.07M$5.23M$13.69M$7.88M$5.71M
Investing cash flow-$88.33M-$124.83M-$82.25M-$207.58M-$190.01M-$125.91M-$48.93M-$67.98M-$55.34M-$40.72M
Financing cash flow$67.57M$50.85M$112.84M$150.51M$103.97M$204.61M$51.13M$50.00M$44.71M$54.39M
Dividends paid$6.55M$6.51M$6.49M$6.30M$5.92M$5.73M$5.50M$5.33M$5.15M$4.94M
Share repurchases-$0$130.0K$79.0K$2.0K$0$13.0K$107.0K$60.0K$6.0K
Stock-based compensation$494.0K$398.0K$374.0K$446.0K$299.0K$236.0K$165.0K$120.0K$104.0K$66.0K
Depreciation and amortization$1.63M$1.59M$1.64M$1.80M$1.82M$1.89M$1.57M$1.22M$1.22M$1.25M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY13.3%0.7%-2.3%0.4%2.2%16.9%7.0%5.3%3.6%6.1%
Net income growth, YoY26.5%-22.2%-10.8%-4.2%2.9%20.3%50.6%-16.3%-0.7%8.0%
EPS growth, YoY25.5%-22.6%-11.1%-4.5%2.5%19.7%----
Net margin20.3%18.2%23.6%25.8%27.1%26.9%26.1%18.6%23.4%24.4%
Free cash flow margin29.3%23.0%15.2%58.0%52.8%-16.9%12.8%36.0%21.8%16.3%
Return on equity13.7%13.2%17.1%22.8%15.6%15.8%14.8%11.0%14.4%15.1%
Return on assets0.7%0.6%0.8%0.9%1.1%1.2%1.2%0.9%1.1%1.2%

Source: XBRL data Union Bankshares Inc. files with the SEC, latest filing dated Nov 9, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

UNB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
UNB$57.70M+7.6%$12.44M21.6%$113.5M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

UNB FAQ

8 questions
  • What is UNB revenue?
    Union Bankshares Inc. (UNB) reported $57.70M of revenue for the twelve months ended Sep 30, 2026. That is up 7.6% from the year before. Revenue for fiscal 2025 was $54.48M.
  • Is UNB profitable?
    Yes. Union Bankshares Inc. earned $12.44M in net income for the twelve months ended Sep 30, 2026, a net margin of 21.6%.
  • How much cash and debt does UNB have?
    Union Bankshares Inc. reported $23.33M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is UNB revenue growing?
    Union Bankshares Inc.'s revenue changed +13.3% in fiscal 2025, to $54.48M. Its compound annual growth rate was +2.7% over 5 years and +5.2% over 10 years.
  • What is UNB free cash flow?
    Union Bankshares Inc. generated $12.17M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $15.03M less capital expenditures.
  • What is UNB earnings per share?
    Diluted earnings per share were $2.60 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did UNB last report financial results?
    The latest statements here come from Union Bankshares Inc.'s 10-Q filed on Nov 9, 2026, covering the period ended Sep 30, 2026.
  • Where does this UNB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Union Bankshares Inc. files with the SEC. It is provided for information only and is not investment advice.