Union Bankshares Statistics
Total Valuation
UNB has a market cap or net worth of $105.44 million. The enterprise value is $348.65 million.
Important Dates
The next estimated earnings date is Wednesday, January 14, 2026.
| Earnings Date | Jan 14, 2026 |
| Ex-Dividend Date | Oct 24, 2025 |
Share Statistics
UNB has 4.58 million shares outstanding. The number of shares has increased by 0.73% in one year.
| Current Share Class | 4.58M |
| Shares Outstanding | 4.58M |
| Shares Change (YoY) | +0.73% |
| Shares Change (QoQ) | +0.42% |
| Owned by Insiders (%) | 17.12% |
| Owned by Institutions (%) | 27.02% |
| Float | 3.80M |
Valuation Ratios
The trailing PE ratio is 9.32.
| PE Ratio | 9.32 |
| Forward PE | n/a |
| PS Ratio | 1.99 |
| Forward PS | n/a |
| PB Ratio | 1.36 |
| P/TBV Ratio | 1.36 |
| P/FCF Ratio | 5.64 |
| P/OCF Ratio | 5.32 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 30.76 |
| EV / Sales | 6.64 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 18.63 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 15.35 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 15.11%.
| Return on Equity (ROE) | 15.11% |
| Return on Assets (ROA) | 0.73% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $275,042 |
| Profits Per Employee | $59,335 |
| Employee Count | 191 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UNB has paid $932,000 in taxes.
| Income Tax | 932,000 |
| Effective Tax Rate | 7.60% |
Stock Price Statistics
The stock price has decreased by -37.88% in the last 52 weeks. The beta is 0.38, so UNB's price volatility has been lower than the market average.
| Beta (5Y) | 0.38 |
| 52-Week Price Change | -37.88% |
| 50-Day Moving Average | 23.65 |
| 200-Day Moving Average | 27.55 |
| Relative Strength Index (RSI) | 49.50 |
| Average Volume (20 Days) | 9,120 |
Short Selling Information
The latest short interest is 46,499, so 1.01% of the outstanding shares have been sold short.
| Short Interest | 46,499 |
| Short Previous Month | 44,756 |
| Short % of Shares Out | 1.01% |
| Short % of Float | 1.22% |
| Short Ratio (days to cover) | 4.12 |
Income Statement
In the last 12 months, UNB had revenue of $52.53 million and earned $11.33 million in profits. Earnings per share was $2.47.
| Revenue | 52.53M |
| Gross Profit | 52.53M |
| Operating Income | 12.27M |
| Pretax Income | 12.27M |
| Net Income | 11.33M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.47 |
Full Income StatementBalance Sheet
The company has $43.93 million in cash and $287.14 million in debt, giving a net cash position of -$243.21 million or -$53.07 per share.
| Cash & Cash Equivalents | 43.93M |
| Total Debt | 287.14M |
| Net Cash | -243.21M |
| Net Cash Per Share | -$53.07 |
| Equity (Book Value) | 77.68M |
| Book Value Per Share | 16.95 |
| Working Capital | -1.14B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $19.82 million and capital expenditures -$1.11 million, giving a free cash flow of $18.71 million.
| Operating Cash Flow | 19.82M |
| Capital Expenditures | -1.11M |
| Free Cash Flow | 18.71M |
| FCF Per Share | $4.08 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 23.35% |
| Pretax Margin | 23.35% |
| Profit Margin | 21.57% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 35.62% |