Union Bankshares Inc
UNB Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$23.45
KIRA · Stoqly’s AI analyst, in plain words
- Union Bankshares Inc had $54.5M of revenue in fiscal 2025, up 13.3% on the year before. Over five years, revenue changed +2.7% a year on average.
- Union Bankshares Inc made $11.1M of net profit in fiscal 2025.
- Union Bankshares Inc returned $6.6M to shareholders in fiscal 2025, 41% of free cash flow. The diluted share count rose 0.8%.
- It earned 15.0% on shareholders’ money. Running costs took 76.5% of revenue (the efficiency ratio; lower is better).
Market cap
$113M
P/E
9.1x
Revenue
$54.5M
Net income
$11.1M
Return on equity
15.0%
Efficiency ratio
76.5%
Union Bankshares Inc in 30 seconds · fiscal 2025
Are sales growing?
+13.3%
Yes. Sales grew 13.3% last year.
Does it make a profit?
20.3%
Yes. It keeps 20.3% of every sale as profit.
How lean are its costs?
76.5%
Costly. Running costs take 76.5% of revenue.
How much does it earn on its capital?
15.0%
Good. It earns 15.0% a year on shareholders’ money.
How is the share priced?
9.1x
One share costs 9.1 times its yearly profit per share.
What Union Bankshares Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 20, 2026
- Legal name
- UNION BANKSHARES INC
- CIK
- 0000706863
Union Bankshares Inc · UNB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $48.7M | $48.9M | $47.7M | $48.1M | $54.5M |
| Revenue growth | 2.2% | 0.4% | −2.3% | 0.7% | 13.3% |
| Net interest income | $35.7M | $39.4M | $37.8M | $38.4M | $43.0M |
| Net income | $13.2M | $12.6M | $11.3M | $8.8M | $11.1M |
| Net margin | 27.1% | 25.8% | 23.6% | 18.2% | 20.3% |
| Diluted EPS | $2.92 | $2.79 | $2.48 | $1.92 | $2.41 |
| Cash | |||||
| Cash from operations | $29.2M | $29.0M | $9.2M | $12.2M | $17.2M |
| Capital expenditure | $3.5M | $0.7M | $1.9M | $1.1M | $1.3M |
| Free cash flow | $25.7M | $28.4M | $7.2M | $11.1M | $16.0M |
| FCF margin | 52.8% | 58.0% | 15.2% | 23.0% | 29.3% |
| Dividends paid | $5.9M | $6.3M | $6.5M | $6.5M | $6.6M |
| Share buybacks | $0.0M | $0.1M | $0.1M | $0.0M | — |
| Share count change | 0.3% | 0.1% | 0.5% | 0.4% | 0.8% |
| Debt and strength | |||||
| Cash and short-term investments | $65.9M | $37.9M | $77.7M | $15.8M | $12.3M |
| Loans, net | $779M | $951M | $1.0B | $1.2B | $1.2B |
| Deposits | $1.1B | $1.2B | $1.3B | $1.2B | $1.2B |
| Shareholders' equity | $84.3M | $55.2M | $65.8M | $66.5M | $80.9M |
| Returns and quality | |||||
| Return on equity | 15.9% | 18.1% | 18.6% | 13.2% | 15.0% |
| Return on tangible equity | 15.6% | 22.8% | 17.1% | 13.2% | 13.7% |
| Efficiency ratio | 67.5% | 68.8% | 74.1% | 79.1% | 76.5% |
Insiders bought, 12 months
$0.0M
4 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Union Bankshares Inc · UNB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $23.45 a share, the company is worth $113M: 9.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000706863). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.