Union Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Union Bankshares
UNB Stock  USD 28.15  0.23  0.81%   
Union Bankshares' financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Union Bankshares' valuation are provided below:
Gross Profit
47.8 M
Profit Margin
0.1849
Market Capitalization
127.8 M
Enterprise Value Revenue
8.0216
Revenue
47.8 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 2025 to make sure the company can sustain itself down the road. The current year's Enterprise Value is expected to grow to about 369.4 M, whereas Market Cap is forecasted to decline to about 91.2 M.

Union Bankshares Total Revenue

31.84 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 1.3 M, Interest Expense of 31.1 M or Selling General Administrative of 13.2 M, as well as many indicators such as Price To Sales Ratio of 5.37, Dividend Yield of 0.0499 or PTB Ratio of 1.78. Union financial statements analysis is a perfect complement when working with Union Bankshares Valuation or Volatility modules.
  
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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

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.6 B1.5 B913.2 M
Slightly volatile
Short and Long Term Debt Total289.8 M276 M60.4 M
Slightly volatile
Total Stockholder Equity54.9 M66.5 M58 M
Slightly volatile
Property Plant And Equipment Net12.1 M20.2 M15.2 M
Slightly volatile
Retained Earnings52.8 M91.7 M59.1 M
Slightly volatile
Cash15.6 M15.8 M18.1 M
Slightly volatile
Non Current Assets Total1.6 B1.5 B354.9 M
Slightly volatile
Other Assets19.4 M20.5 M453.1 M
Pretty Stable
Cash And Short Term Investments15 M15.8 M104.4 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 M4.6 M4.4 M
Slightly volatile
Liabilities And Stockholders Equity1.6 B1.5 B913.2 M
Slightly volatile
Non Current Liabilities Total1.5 B1.4 B289.2 M
Slightly volatile
Total Liabilities1.5 B1.5 B808.3 M
Slightly volatile
Property Plant And Equipment Gross41.5 M39.5 M21.1 M
Slightly volatile
Total Current Assets15 M15.8 M143.5 M
Pretty Stable
Common Stock10.2 M10 M9.7 M
Slightly volatile
Other Liabilities6.5 M9 M6.9 M
Slightly volatile
Accounts Payable11.2 M11.8 M24 M
Slightly volatile
Long Term Debt289.8 M276 M58.7 M
Slightly volatile
Short Term Investments1.1 M1.2 M89.4 M
Slightly volatile
Property Plant Equipment11.8 M23.6 M15.2 M
Slightly volatile
Total Current Liabilities26.5 M17 M40 M
Slightly volatile
Short Term Debt11.2 M11.7 M10.7 M
Very volatile
Net Tangible Assets62.5 M63.5 M56.2 M
Slightly volatile
Good Will1.5 B1.5 B427.3 M
Slightly volatile
Retained Earnings Total Equity62.9 M97.4 M60.6 M
Slightly volatile
Capital Surpluse2.7 M2.6 M1.1 M
Slightly volatile
Long Term Investments251 M252.3 M317 M
Slightly volatile
Non Current Liabilities Other76.3 M72.6 M23 M
Slightly volatile
Intangible Assets1.6 M2 M1.5 M
Slightly volatile
Short and Long Term Debt27.6 M54 M30 M
Slightly volatile
Long Term Debt Total16.8 M14.6 M15.6 M
Slightly volatile
Earning Assets130.8 M169.2 M121.3 M
Slightly volatile
Net Invested Capital359.6 M342.4 M130.8 M
Slightly volatile
Capital Stock10.9 M10 M10 M
Slightly volatile

Union Bankshares Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.3 M1.6 M1.4 M
Slightly volatile
Interest Expense31.1 M29.6 M8.1 M
Slightly volatile
Selling General Administrative13.2 M22.6 M15.4 M
Slightly volatile
Total Revenue31.8 M47.2 M36.2 M
Slightly volatile
Gross Profit31.8 M47.2 M36.2 M
Slightly volatile
Operating Income15.6 M19.6 M14.6 M
Slightly volatile
Income Before Tax10.1 M9.1 M10.7 M
Slightly volatile
Net Income8 M8.8 M8.8 M
Slightly volatile
Income Tax Expense350.6 K369 K1.8 M
Pretty Stable
Net Income Applicable To Common Shares8 M14.5 M9.3 M
Slightly volatile
Selling And Marketing Expenses5.3 M5 M1.1 M
Slightly volatile
Net Income From Continuing Ops10.1 M8.8 M9 M
Slightly volatile
Tax Provision350.6 K369 K2.2 M
Slightly volatile
Net Interest Income34.8 M37.8 M29.2 M
Slightly volatile
Interest Income42.9 M67.4 M34.9 M
Slightly volatile
Reconciled Depreciation1.9 M1.6 M1.6 M
Slightly volatile

Union Bankshares Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow81.5 M77.7 M46.6 M
Slightly volatile
Depreciation1.3 M1.6 M1.4 M
Slightly volatile
Capital Expenditures1.8 M1.1 M2.1 M
Very volatile
Net Income8 M8.8 M8.8 M
Slightly volatile
End Period Cash Flow15 M15.8 M42.6 M
Pretty Stable

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio5.372.77294.6778
Slightly volatile
Dividend Yield0.04990.04930.0416
Pretty Stable
PTB Ratio1.781.9672.2791
Pretty Stable
Days Sales Outstanding23.0524.26123
Slightly volatile
Book Value Per Share13.9614.697823.3392
Slightly volatile
Average Payables2.4 M4.2 M4.3 M
Very volatile
Stock Based Compensation To Revenue0.00730.0070.0036
Slightly volatile
Capex To Depreciation1.181.071.546
Pretty Stable
PB Ratio1.781.9672.2791
Pretty Stable
EV To Sales5.278.28924.9768
Pretty Stable
ROIC0.01180.01240.0523
Slightly volatile
Net Income Per Share1.31.93691.9331
Slightly volatile
Sales General And Administrative To Revenue0.540.47840.4963
Slightly volatile
Capex To Revenue0.02160.02270.07
Slightly volatile
Cash Per Share3.583.768623.3364
Slightly volatile
Interest Coverage0.630.66163.5202
Slightly volatile
Payout Ratio0.740.73550.6046
Very volatile
ROE0.110.13180.1488
Pretty Stable
PE Ratio12.5614.925715.6641
Pretty Stable
Return On Tangible Assets0.00540.00570.0106
Slightly volatile
Earnings Yield0.05550.0670.0706
Pretty Stable
Intangibles To Total Assets0.00130.00130.0037
Slightly volatile
Current Ratio0.880.930821.8474
Pretty Stable
Tangible Book Value Per Share13.9614.697822.8279
Slightly volatile
Receivables Turnover8.6815.578.1738
Slightly volatile
Graham Number16.0725.308923.4836
Slightly volatile
Shareholders Equity Per Share8.8914.697812.756
Slightly volatile
Debt To Equity4.364.15120.9647
Slightly volatile
Capex Per Share0.30.23680.4635
Very volatile
Average Receivables2.3 M1.8 M1.7 M
Very volatile
Revenue Per Share10.9510.42578.3303
Slightly volatile
Interest Debt Per Share70.9367.554615.1815
Slightly volatile
Debt To Assets0.190.18060.0522
Slightly volatile
Short Term Coverage Ratios3.412.82.6023
Very volatile
Price Earnings Ratio12.5614.925715.6641
Pretty Stable
Operating Cycle23.0524.26123
Slightly volatile
Price Book Value Ratio1.781.9672.2791
Pretty Stable
Dividend Payout Ratio0.740.73550.6046
Very volatile
Pretax Profit Margin0.180.19360.385
Slightly volatile
Ebt Per Ebit0.50.46640.6937
Pretty Stable
Operating Profit Margin0.390.41510.6476
Slightly volatile
Effective Tax Rate0.03840.04040.1748
Slightly volatile
Company Equity Multiplier24.1422.989715.1877
Slightly volatile
Long Term Debt To Capitalization0.850.80590.363
Slightly volatile
Total Debt To Capitalization0.850.80590.365
Slightly volatile
Return On Capital Employed0.01230.0130.0189
Slightly volatile
Debt Equity Ratio4.364.15120.9647
Slightly volatile
Ebit Per Revenue0.390.41510.6476
Slightly volatile
Quick Ratio0.880.930824.6835
Pretty Stable
Net Income Per E B T0.620.95960.8039
Pretty Stable
Cash Ratio0.880.93083.0672
Slightly volatile
Cash Conversion Cycle23.0524.26123
Slightly volatile
Days Of Sales Outstanding23.0524.26123
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.950.91190.7649
Slightly volatile
Price To Book Ratio1.781.9672.2791
Pretty Stable
Fixed Asset Turnover3.162.33162.422
Very volatile
Debt Ratio0.190.18060.0522
Slightly volatile
Price Sales Ratio5.372.77294.6778
Slightly volatile
Return On Assets0.00540.00570.0106
Slightly volatile
Asset Turnover0.05160.03090.0437
Very volatile
Net Profit Margin0.360.18580.3126
Slightly volatile
Price Fair Value1.781.9672.2791
Pretty Stable
Return On Equity0.110.13180.1488
Pretty Stable

Union Bankshares Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap91.2 M117.7 M129.9 M
Pretty Stable
Enterprise Value369.4 M351.8 M183.3 M
Slightly volatile

Union Fundamental Market Drivers

Cash And Short Term Investments15.8 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 Revenue47.2 M31.8 M
Cost Of Revenue-16.9 M-16 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.48  0.54 
Capex To Revenue 0.02  0.02 
Revenue Per Share 10.43  10.95 
Ebit Per Revenue 0.42  0.39 

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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:
How To Invest In Union
Details
Is Union Stock a good investment?
Details
What is Union Bankshares' Net Worth?
Details
Largest Regional Banks Companies
View
Largest Banks - Regional Companies
View
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 ETFs module to find actively traded Exchange Traded Funds (ETF) from around the world.
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
0.038
Dividend Share
1.44
Earnings Share
1.94
Revenue Per Share
10.563
Quarterly Revenue Growth
0.057
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.
Altman
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Beneish
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Buy or Sell
Advice
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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.
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