Union Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Union Bankshares
UNB Stock  USD 24.99  0.30  1.22%   
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
49 M
Profit Margin
0.1884
Market Capitalization
113.7 M
Enterprise Value Revenue
8.1431
Revenue
49 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 370.5 M, whereas Market Cap is forecasted to decline to about 91.2 M.

Union Bankshares Total Revenue

38.64 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 1.3 M, Interest Expense of 31.1 M or Selling General Administrative of 13.6 M, as well as many indicators such as Price To Sales Ratio of 1.63, Dividend Yield of 0.0499 or PTB Ratio of 1.77. 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 M60.9 M
Slightly volatile
Total Current Liabilities1.2 B1.2 B534.4 M
Slightly volatile
Total Stockholder Equity55 M66.5 M58.2 M
Slightly volatile
Property Plant And Equipment Net12 M20.2 M15 M
Slightly volatile
Retained Earnings52.8 M91.7 M59.1 M
Slightly volatile
Cash15.7 M14.6 M18.2 M
Slightly volatile
Non Current Assets Total1.4 B1.3 B581.5 M
Slightly volatile
Other Assets19.4 M20.5 M453.1 M
Pretty Stable
Cash And Short Term Investments198.4 M188.9 M126.6 M
Slightly volatile
Net Receivables69.7 M66.4 M28.4 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 Total307.6 M293 M59.9 M
Slightly volatile
Total Liabilities1.5 B1.5 B854.2 M
Slightly volatile
Property Plant And Equipment Gross41.5 M39.5 M21.1 M
Slightly volatile
Total Current Assets198.4 M188.9 M134.9 M
Slightly volatile
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 Investments183 M174.3 M108.6 M
Slightly volatile
Property Plant Equipment11.8 M23.6 M15.2 M
Slightly volatile
Short Term Debt30.7 M29.2 M10.7 M
Slightly 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 Administrative13.6 M22.6 M15.9 M
Slightly volatile
Total Revenue38.6 M76.4 M42.2 M
Slightly volatile
Gross Profit31 M45.9 M35 M
Slightly volatile
Other Operating Expenses70.7 M67.3 M34 M
Slightly volatile
Operating Income10.2 M9.1 M10.8 M
Slightly volatile
EBIT10.2 M9.1 M10.8 M
Slightly volatile
EBITDA11.5 M10.7 M12.2 M
Slightly volatile
Cost Of Revenue32 M30.5 M8.6 M
Slightly volatile
Income Before Tax10.2 M9.1 M10.8 M
Slightly volatile
Net Income8 M8.8 M8.8 M
Slightly volatile
Income Tax Expense350.6 K369 K1.9 M
Pretty Stable
Net Income Applicable To Common Shares8 M14.5 M9.3 M
Slightly volatile
Selling And Marketing Expenses532.1 K704 K486.8 K
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
Dividends Paid5.1 M6.4 M5.1 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 Ratio1.631.71123.3143
Slightly volatile
Dividend Yield0.04990.04930.0416
Pretty Stable
PTB Ratio1.771.9672.2716
Pretty Stable
Days Sales Outstanding30.228.8125.8956
Pretty Stable
Book Value Per Share8.914.697812.7566
Slightly volatile
Average Payables2.2 M3.1 M3.3 M
Very volatile
Stock Based Compensation To Revenue0.00550.00520.0031
Slightly volatile
Capex To Depreciation1.150.67231.5192
Pretty Stable
PB Ratio1.771.9672.2716
Pretty Stable
EV To Sales2.755.1313.7229
Very volatile
ROIC0.02140.02250.0916
Slightly volatile
Net Income Per Share1.31.93691.9331
Slightly volatile
Payables Turnover0.380.40.5757
Slightly volatile
Sales General And Administrative To Revenue0.280.29520.3785
Slightly volatile
Capex To Revenue0.01330.0140.0521
Slightly volatile
Cash Per Share43.8541.766628.2242
Slightly volatile
Interest Coverage0.290.30862.8464
Pretty Stable
Payout Ratio0.740.73550.6046
Very volatile
Days Payables Outstanding479955729
Slightly volatile
ROE0.110.13180.1483
Pretty Stable
PE Ratio12.5614.925715.6642
Pretty Stable
Return On Tangible Assets0.00550.00570.0106
Slightly volatile
Earnings Yield0.05550.0670.0706
Pretty Stable
Intangibles To Total Assets0.00110.00110.0037
Slightly volatile
Current Ratio0.0880.16160.1424
Slightly volatile
Tangible Book Value Per Share8.6514.321912.2061
Slightly volatile
Receivables Turnover11.9413.1115.2956
Pretty Stable
Graham Number16.0925.308923.5163
Slightly volatile
Shareholders Equity Per Share8.9114.697812.7918
Slightly volatile
Debt To Equity4.364.15120.9765
Slightly volatile
Capex Per Share0.30.23680.4635
Very volatile
Average Receivables2.2 M1.8 M1.7 M
Very volatile
Revenue Per Share17.7416.89499.9826
Slightly volatile
Interest Debt Per Share70.9367.554615.3217
Slightly volatile
Debt To Assets0.190.18060.0532
Slightly volatile
Enterprise Value Over EBITDA38.3936.566515.0488
Slightly volatile
Price Earnings Ratio12.5614.925715.6642
Pretty Stable
Price Book Value Ratio1.771.9672.2716
Pretty Stable
Days Of Payables Outstanding479955729
Slightly volatile
Dividend Payout Ratio0.740.73550.6046
Very volatile
Pretax Profit Margin0.110.11950.2675
Slightly volatile
Ebt Per Ebit0.80.90.9813
Slightly volatile
Operating Profit Margin0.110.11950.2675
Slightly volatile
Effective Tax Rate0.03840.04040.1801
Slightly volatile
Company Equity Multiplier24.1422.989715.1484
Slightly volatile
Long Term Debt To Capitalization0.850.80590.3446
Slightly volatile
Total Debt To Capitalization0.850.80590.3716
Slightly volatile
Return On Capital Employed0.02410.02540.1193
Slightly volatile
Debt Equity Ratio4.364.15120.9765
Slightly volatile
Ebit Per Revenue0.110.11950.2675
Slightly volatile
Quick Ratio0.0880.16160.1447
Slightly volatile
Net Income Per E B T0.620.95960.7985
Pretty Stable
Cash Ratio0.01190.01250.0289
Slightly volatile
Days Of Sales Outstanding30.228.8125.8956
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.950.91190.7645
Slightly volatile
Price To Book Ratio1.771.9672.2716
Pretty Stable
Fixed Asset Turnover4.053.77842.8849
Pretty Stable
Enterprise Value Multiple38.3936.566515.0488
Slightly volatile
Debt Ratio0.190.18060.0532
Slightly volatile
Price Sales Ratio1.631.71123.3143
Slightly volatile
Return On Assets0.00540.00570.0106
Slightly volatile
Asset Turnover0.06470.050.051
Pretty Stable
Net Profit Margin0.110.11460.2138
Slightly volatile
Gross Profit Margin0.620.60060.8125
Very volatile
Price Fair Value1.771.9672.2716
Pretty Stable
Return On Equity0.110.13180.1483
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 Value370.5 M352.9 M184.1 M
Slightly volatile

Union Fundamental Market Drivers

Cash And Short Term Investments188.9 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 Revenue76.4 M38.6 M
Cost Of Revenue30.5 M32 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.30  0.28 
Capex To Revenue 0.01  0.01 
Revenue Per Share 16.89  17.74 
Ebit Per Revenue 0.12  0.11 

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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
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What is Union Bankshares' Net Worth?
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Largest Regional Banks Companies
View
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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 Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
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
0.165
Dividend Share
1.44
Earnings Share
2.01
Revenue Per Share
10.797
Quarterly Revenue Growth
0.106
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
Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
Details
Buy or Sell
Advice
Details
Technical
Analysis
Details
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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