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%
Union Bankshares statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Market Cap | $112.77M | $679.86M |
| Enterprise Value | $81.78M | $408.94M |
| PE Ratio | 8.80 | 12.00 |
| PS Ratio | 1.97 | 3.61 |
| PB Ratio | 1.25 | 1.18 |
| P/TBV Ratio | 1.25 | 1.41 |
| P/FCF Ratio | 5.40 | 10.93 |
| P/OCF Ratio | 5.03 | 10.04 |
Enterprise value
| Measure | Union Bankshares | Industry median |
|---|---|---|
| EV / Sales | 1.43 | 2.78 |
| EV / FCF | 3.92 | 8.25 |
Income (trailing twelve months)
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Revenue | $57.22M | $170.85M |
| Net Income | $12.11M | $54.33M |
| EPS (Diluted) | $2.59 | $2.90 |
Margins
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Profit Margin | 21.2% | 29.1% |
| FCF Margin | 36.5% | 33.0% |
Returns
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Return on Equity (ROE) | 15.0% | 10.5% |
| Return on Assets (ROA) | 0.80% | 1.12% |
Growth
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 14.0% | 11.8% |
| Net Income Growth (YoY) | 31.4% | 23.1% |
| EPS Growth (YoY) | 28.9% | 22.7% |
| FCF Growth (YoY) | 104.2% | 27.1% |
| Revenue Growth (3Y CAGR) | 3.69% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.73% | 6.17% |
| EPS Growth (3Y CAGR) | -4.76% | 1.26% |
| EPS Growth (5Y CAGR) | -3.30% | 8.24% |
Balance sheet
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $30.98M | $205.54M |
| Net Cash (Debt) | $30.98M | $164.40M |
| Net Cash Per Share | $6.26 | $8.13 |
| Equity (Book Value) | $90.41M | $560.44M |
| Book Value Per Share | $18.28 | $28.47 |
| Tangible Book Value | $90.41M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Operating Cash Flow | $22.42M | $61.20M |
| Capital Expenditures | -$1.54M | -$4.02M |
| Free Cash Flow | $20.88M | $52.43M |
| FCF Per Share | $4.22 | $3.07 |
Efficiency
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $293.43K | $353.78K |
| Profits Per Employee | $62.11K | $107.28K |
| Employee Count | 195 | 489 |
Dividends and yields
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Earnings Yield | 10.7% | 8.07% |
| FCF Yield | 18.5% | 8.89% |
| Dividend Yield | 6.32% | 2.48% |
| Shareholder Yield | 6.32% | 3.13% |
| Dividend Per Share | $1.44 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 54.6% | 29.4% |
| FCF Payout Ratio | 31.7% | 26.0% |
Shares
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Shares Outstanding | 4,945,870 | 18,839,100 |
| Shares Change (YoY) | 2.34% | 0.39% |
| Float | 4,504,290 | 17,061,900 |
| Shares Held by Insiders | 8.93% | 5.89% |
| Shares Held by Institutions | 15.9% | 61.9% |
Taxes
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Income Tax | $1.31M | $14.50M |
Scores
| Measure | Union Bankshares | Industry median |
|---|---|---|
| Graham Number | $32.64 | $45.31 |
| Graham Upside | 43.1% | 21.6% |
| Altman Z-Score | 0.17 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Union Bankshares's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.