UNBNasdaqState Commercial BanksFiscal year ends December 31
UNION BANKSHARES INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$22.80−0.20 (-0.87%)
Close on Oct 19, 2026
- Market cap
- $110.18M
- P/E (TTM)
- 8.8
- Dividend yield
- 6.32%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
20.3%−6.6 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +13.3% | +3.7% | +2.7% | +73.0% | |
| Net income | +26.5% | -4.2% | -2.9% | +3.5% | |
| EPS, diluted | +25.5% | -4.8% | -3.3% | – | |
| Free cash flow | +44.2% | -17.4% | – | +4.0% | |
| Dividend per share | 0.0% | +0.9% | +2.4% | +2.9% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 15.5% | 16.8% | 15.0% | |
| Return on assets | 1.3% | 1.3% | 0.7% | |
| Capex to revenue | 880.9% | 2.1% | 2.3% | |
| Diluted shares | 4M | 4M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Union Bankshares generated $96.79M from operations and spent $40.43M on capital expenditure, dividends and share buybacks. 21% of that went back into the business.
Generated
$96.79M
Used
$40.43M
Capital expenditure$8.44M21%Dividends$31.77M79%Share buybacks$211.00K1%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin20.3%
×Asset turnover0.03×
×Equity multiplier21.35×
=Return on equity, FY202515.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 20.3% | 0.03× | 21.35× | 15.0% |
| FY2024 | 18.2% | 0.03× | 22.66× | 13.2% |
| FY2023 | 23.6% | 0.03× | 23.18× | 18.6% |
| FY2022 | 25.8% | 0.04× | 18.21× | 18.1% |
| FY2021 | 27.1% | 0.04× | 13.92× | 15.9% |
| FY2020 | 26.9% | 0.05× | 12.88× | 16.8% |
| FY2019 | 26.1% | 0.05× | 12.31× | 15.6% |
| FY2018 | 3143.1% | 0.00× | 12.60× | 11.5% |
| FY2017 | 4355.2% | 0.00× | 12.50× | 14.7% |
| FY2016 | 3868.6% | 0.00× | 12.02× | 15.5% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$11.08M
- Cash generatingOperating cash flow above zero$17.23M
- Return on assets improvedROA up on the prior year0.6% → 0.7%
- Earnings backed by cashOperating cash flow above net income$17.23M vs $11.08M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04