Union Financial Statements From 2010 to 2024

UNB Stock  USD 29.32  0.14  0.48%   
Union Bankshares financial statements provide useful quarterly and yearly information to potential Union Bankshares investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Union Bankshares financial statements helps investors assess Union Bankshares' valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Union Bankshares' valuation are summarized below:
Gross Profit
48.4 M
Profit Margin
0.2108
Market Capitalization
132.6 M
Enterprise Value Revenue
8.5952
Revenue
47.5 M
We have found one hundred twenty available fundamental trend indicators for Union Bankshares, which can be analyzed and compared to other ratios and to its competition. All investors should make sure to double-check all of Union Bankshares current market performance against the performance between 2010 and 2024 to make sure the company can sustain itself down the road. The current year's Enterprise Value is expected to grow to about 213.8 M, whereas Market Cap is forecasted to decline to about 91.5 M.

Union Bankshares Total Revenue

70.64 Million

Check Union Bankshares financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Union Bankshares' main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.2 M, Interest Expense of 20.2 M or Selling General Administrative of 12.6 M, as well as many indicators such as Price To Sales Ratio of 1.95, Dividend Yield of 0.0497 or PTB Ratio of 1.78. Union financial statements analysis is a perfect complement when working with Union Bankshares Valuation or Volatility modules.
  
Check out the analysis of Union Bankshares Correlation against competitors.
For information on how to trade Union Stock refer to our How to Trade Union Stock guide.

Union Bankshares Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.5 B1.5 B868.3 M
Slightly volatile
Short and Long Term Debt Total88.8 M84.5 M32.8 M
Slightly volatile
Total Stockholder Equity54.2 M65.8 M57.4 M
Slightly volatile
Property Plant And Equipment Net11.8 M23.2 M14.8 M
Slightly volatile
Retained Earnings51 M89.5 M56.8 M
Slightly volatile
Cash15.8 M19.1 M18.5 M
Slightly volatile
Non Current Assets Total1.4 B1.4 B266.8 M
Slightly volatile
Other Assets1.2 B1.2 B660 M
Slightly volatile
Cash And Short Term Investments343.5 M327.2 M132.2 M
Slightly volatile
Net Receivables69.7 M66.4 M31.7 M
Slightly volatile
Common Stock Total Equity10.1 M11.5 M9.8 M
Slightly volatile
Common Stock Shares Outstanding3.6 M4.5 M4.4 M
Slightly volatile
Liabilities And Stockholders Equity1.5 B1.5 B868.3 M
Slightly volatile
Non Current Liabilities Total909.8 M866.4 M136 M
Slightly volatile
Total Liabilities1.5 B1.4 B760.9 M
Slightly volatile
Property Plant And Equipment Gross40.7 M38.8 M19.8 M
Slightly volatile
Total Current Assets108.4 M97.8 M159.6 M
Slightly volatile
Common Stock10.2 M10 M9.7 M
Slightly volatile
Other Liabilities6.5 MM6.8 M
Slightly volatile
Accounts Payable11.2 M11.8 M56.2 M
Slightly volatile
Long Term Debt86 M81.9 M30.6 M
Slightly volatile
Short Term Investments277.6 M264.4 M110.5 M
Slightly volatile
Property Plant Equipment11.8 M23.6 M14.9 M
Slightly volatile
Total Current Liabilities565.9 M538.9 M113.3 M
Slightly volatile
Short Term Debt11.6 M10.2 M10.6 M
Very volatile
Net Tangible Assets62.5 M63.5 M56.3 M
Slightly volatile
Good Will1.5 B1.5 B371 M
Slightly volatile
Retained Earnings Total Equity62.9 M97.4 M59 M
Slightly volatile
Capital Surpluse2.7 M2.6 M1.1 M
Slightly volatile
Long Term Investments254.8 M265.9 M321.6 M
Slightly volatile
Non Current Liabilities Other76.3 M72.6 M20.3 M
Slightly volatile
Intangible Assets1.6 M1.7 M1.5 M
Slightly volatile
Short and Long Term Debt27.6 M54 M28.9 M
Slightly volatile
Long Term Debt Total16.8 M14.6 M15.5 M
Slightly volatile
Earning Assets130.8 M169.2 M119.6 M
Slightly volatile
Net Invested Capital119.3 M147.7 M100.7 M
Slightly volatile
Capital Stock10.9 M10 M10 M
Slightly volatile

Union Bankshares Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.2 M1.6 M1.4 M
Slightly volatile
Interest Expense20.2 M19.3 MM
Slightly volatile
Selling General Administrative12.6 M20.6 M14.6 M
Slightly volatile
Total Revenue70.6 M67.3 M39.3 M
Slightly volatile
Gross Profit70.3 M67 M39.3 M
Slightly volatile
Other Operating Expenses57.1 M54.4 M26 M
Slightly volatile
Operating Income70.3 M67 M20.9 M
Slightly volatile
EBITDA1.6 M1.6 M13.1 M
Pretty Stable
Income Before Tax10.2 M12.9 M10.9 M
Slightly volatile
Net IncomeM11.3 M8.8 M
Slightly volatile
Income Tax Expense2.2 M1.6 M2.1 M
Slightly volatile
Net Income Applicable To Common SharesM14.5 MM
Slightly volatile
Selling And Marketing Expenses530.5 K659 K484.4 K
Slightly volatile
Net Income From Continuing Ops10.1 M11.7 MM
Slightly volatile
Tax Provision1.9 MM2.4 M
Slightly volatile
Net Interest Income34.1 M38.9 M28.6 M
Slightly volatile
Interest Income39.4 M53.9 M32.5 M
Slightly volatile
Reconciled Depreciation1.9 M1.6 M1.6 M
Slightly volatile

Union Bankshares Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow34.8 M37.9 M41.4 M
Slightly volatile
Other Cashflows From Financing Activities108.9 M103.7 M72.4 M
Slightly volatile
Depreciation1.2 M1.6 M1.4 M
Slightly volatile
Dividends Paid5.1 M6.4 MM
Slightly volatile
Capital Expenditures1.8 M1.9 M2.2 M
Pretty Stable
Net IncomeM11.3 M8.8 M
Slightly volatile
End Period Cash Flow81.5 M77.7 M48.8 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.952.05424.523
Slightly volatile
Dividend Yield0.04970.04640.041
Pretty Stable
PTB Ratio1.782.12.3001
Pretty Stable
Days Sales Outstanding411392278
Slightly volatile
Book Value Per Share13.8714.59523.908
Slightly volatile
Average Payables2.2 M2.6 M2.7 M
Pretty Stable
Stock Based Compensation To Revenue0.00580.00560.0031
Slightly volatile
Capex To Depreciation1.181.18731.5777
Pretty Stable
PB Ratio1.782.12.3001
Pretty Stable
EV To Sales5.063.02664.6613
Slightly volatile
ROIC0.420.39590.1748
Slightly volatile
Net Income Per Share1.292.49661.932
Slightly volatile
Sales General And Administrative To Revenue0.530.30640.4822
Slightly volatile
Capex To Revenue0.02750.02890.0728
Slightly volatile
Cash Per Share66.0262.876528.1514
Slightly volatile
Interest Coverage2.613.47743.9977
Very volatile
Payout Ratio0.740.56990.5958
Pretty Stable
ROE0.110.17110.15
Pretty Stable
PE Ratio12.5812.276515.7158
Pretty Stable
Return On Tangible Assets0.05970.05680.0179
Slightly volatile
Earnings Yield0.05560.08150.0708
Pretty Stable
Intangibles To Total Assets0.910.86540.1221
Slightly volatile
Current Ratio0.170.181420.0987
Very volatile
Receivables Turnover0.920.962.2013
Slightly volatile
Graham Number15.9128.633323.3487
Slightly volatile
Shareholders Equity Per Share8.7814.59512.6179
Slightly volatile
Debt To Equity1.311.24830.6135
Slightly volatile
Capex Per Share0.30.43160.4785
Pretty Stable
Average Receivables2.3 M1.8 M1.7 M
Very volatile
Revenue Per Share15.6714.92068.7857
Slightly volatile
Interest Debt Per Share23.6222.49239.3331
Slightly volatile
Debt To Assets0.02960.05580.0358
Pretty Stable
Enterprise Value Over EBITDA13012425.2354
Slightly volatile
Price Earnings Ratio12.5812.276515.7158
Pretty Stable
Price Book Value Ratio1.782.12.3001
Pretty Stable
Dividend Payout Ratio0.740.56990.5958
Pretty Stable
Pretax Profit Margin0.180.19140.3928
Slightly volatile
Ebt Per Ebit0.180.19220.6617
Slightly volatile
Operating Profit Margin0.960.99590.7368
Slightly volatile
Effective Tax Rate0.120.12580.1892
Slightly volatile
Company Equity Multiplier23.4722.35614.6252
Slightly volatile
Long Term Debt To Capitalization0.550.52220.3135
Slightly volatile
Total Debt To Capitalization0.580.55520.3283
Slightly volatile
Return On Capital Employed0.07550.07190.0273
Slightly volatile
Debt Equity Ratio1.311.24830.6135
Slightly volatile
Ebit Per Revenue0.960.99590.7368
Slightly volatile
Quick Ratio0.170.181423.1239
Very volatile
Net Income Per E B T0.620.87420.7935
Very volatile
Cash Ratio0.03370.03552.5343
Slightly volatile
Days Of Sales Outstanding411392278
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.950.80380.7561
Slightly volatile
Price To Book Ratio1.782.12.3001
Pretty Stable
Fixed Asset Turnover3.212.89722.486
Pretty Stable
Enterprise Value Multiple13012425.2354
Slightly volatile
Debt Ratio0.02960.05580.0358
Pretty Stable
Price Sales Ratio1.952.05424.523
Slightly volatile
Return On Assets0.01410.00770.0115
Slightly volatile
Asset Turnover0.03840.04570.0445
Very volatile
Net Profit Margin0.160.16730.3033
Slightly volatile
Gross Profit Margin0.80.90.9765
Slightly volatile
Price Fair Value1.782.12.3001
Pretty Stable
Return On Equity0.110.17110.15
Pretty Stable

Union Bankshares Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap91.5 M138.2 M131.2 M
Pretty Stable
Enterprise Value213.8 M203.6 M149.2 M
Slightly volatile

Union Fundamental Market Drivers

Cash And Short Term Investments327.2 M

Union Upcoming Events

17th of April 2024
Upcoming Quarterly Report
View
31st of March 2024
Next Fiscal Quarter End
View

About Union Bankshares Financial Statements

Union Bankshares stakeholders use historical fundamental indicators, such as Union Bankshares' revenue or net income, to determine how well the company is positioned to perform in the future. Although Union Bankshares investors may analyze each financial statement separately, they are all interrelated. For example, changes in Union Bankshares' assets and liabilities are reflected in the revenues and expenses on Union Bankshares' income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Union Bankshares. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-33.4 M-31.7 M
Total Revenue67.3 M70.6 M
Cost Of Revenue247.5 K235.1 K
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.31  0.53 
Capex To Revenue 0.03  0.03 
Revenue Per Share 14.92  15.67 
Ebit Per Revenue 1.00  0.96 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether Union Bankshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Union Bankshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Union Bankshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Union Bankshares Stock:
Check out the analysis of Union Bankshares Correlation against competitors.
For information on how to trade Union Stock refer to our How to Trade Union Stock guide.
You can also try the Correlation Analysis module to reduce portfolio risk simply by holding instruments which are not perfectly correlated.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Union Bankshares. If investors know Union will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Union Bankshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.25)
Dividend Share
1.44
Earnings Share
2.2
Revenue Per Share
10.528
Quarterly Revenue Growth
(0.04)
The market value of Union Bankshares is measured differently than its book value, which is the value of Union that is recorded on the company's balance sheet. Investors also form their own opinion of Union Bankshares' value that differs from its market value or its book value, called intrinsic value, which is Union Bankshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Union Bankshares' market value can be influenced by many factors that don't directly affect Union Bankshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Union Bankshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Union Bankshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Union Bankshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.