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UNBNASDAQ

Union Bankshares, Inc.

Union Bankshares, Inc.
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Recent & upcoming events

Jul 27
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Oct 31
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KPI highlights

FY25
Revenue —
Operating income —
Net income $11M YoY +26.5%
EPS $2.43 YoY +25.3%
P/E —
ROE 13.7% Equity ratio 5% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

F-Score (Piotroski)

5/9 3 of 9 items lack data

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 0.7%
✓ Positive operating cash flow $17M
✓ ROA improved YoY 0.6% → 0.7%
✓ Operating CF exceeds net income (accrual quality) OCF $17M / net income $11M
✓ Equity ratio improved* Substitute for the original “decrease in long-term debt” 4.3% → 5.0%
— Current ratio improved No data
✗ No dilution (shares outstanding did not increase) 4,538,596 → 4,614,047
— Gross margin improved No data
— Asset turnover improved No data

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY25
Equity ratio 5.0%
Current ratio —
Years of positive operating CF 11 of last 12 yrs
Payout ratio —
Latest fiscal year result Profit (net income $11M)

Performance history

Last 10 years

Income & assets

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Revenue ——————————
Operating income ——————————
Ordinary income ——————————
Net income 8.518.457.0710.612.813.212.611.38.7611.1
Total assets 6917468058731,0941,2051,3361,4691,5281,617
Equity 56.358.764.571.880.984.355.265.866.580.9

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
EPS $1.91$1.89$1.58$2.38$2.86$2.94$2.81$2.50$1.94$2.43
ROE 15.1%14.4%11.0%14.8%15.8%15.6%22.8%17.1%13.2%13.7%
Operating CF 7.649.8716.811.6-7.0629.229.09.1912.217.2
Investing CF -40.7-55.3-68.0-48.9-126-190-208-82.3-125-88.3
Financing CF 54.444.750.051.120510415111350.867.6
FCF ——————————

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-07-03) *Some metrics supplemented from additional sources

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Data provided by Twelve Data