Union Bankshares, Inc. (UNB)

Union Bankshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	40.59	38.36	37.84	39.42	35.71	31.6
Net Interest Income Growth	10.47%	1.38%	-4.01%	10.41%	12.99%	4.40%
Non-Interest Income	10.88	9.72	9.9	9.45	12.96	16
Non-Interest Income Growth	3.96%	-1.83%	4.77%	-27.08%	-19.00%	53.07%
Revenues Before Loan Losses	51.47	48.09	47.75	48.88	48.67	47.61
Provision for Credit Losses	1.23	0.93	-0.5	-	-	2.2
Revenue	50.24	47.16	48.25	48.88	48.67	45.41
Revenue Growth (YoY)	5.71%	-2.26%	-1.29%	0.42%	7.19%	13.66%
Compensation Expenses	22.5	21.39	19.61	19.11	19.04	17.8
Selling, General & Admin	6.46	6.19	5.76	5.61	5.34	4.86
Other Non-Interest Expenses	10.38	10.45	10	8.91	8.48	7.52
Total Non-Interest Expense	39.33	38.03	35.37	33.63	32.86	30.18
Pretax Income	9.62	9.13	12.88	15.25	15.82	15.22
Provision for Income Taxes	0.4	0.37	1.62	2.63	2.65	2.42
Net Income	9.22	8.76	11.26	12.62	13.17	12.81
Net Income to Common	9.22	8.76	11.26	12.62	13.17	12.81
Net Income Growth	-7.95%	-22.17%	-10.76%	-4.21%	2.85%	20.26%
Shares Outstanding (Basic)	5	5	5	4	4	4
Shares Outstanding (Diluted)	5	5	5	5	5	4
Shares Change (YoY)	0.57%	0.37%	0.51%	0.12%	0.35%	0.27%
EPS (Basic)	2.04	1.94	2.50	2.81	2.94	2.86
EPS (Diluted)	2.01	1.92	2.48	2.79	2.92	2.85
EPS Growth	-8.64%	-22.58%	-11.11%	-4.45%	2.46%	19.75%
Free Cash Flow	1.23	11.08	7.25	28.37	25.68	-8.07
Free Cash Flow Growth	-88.92%	52.93%	-74.46%	10.46%	-	-
Free Cash Flow Per Share	0.27	2.43	1.60	6.28	5.70	-1.80
Dividends Per Share	1.440	1.440	1.440	1.400	1.320	1.280
Dividend Growth	-	-	2.86%	6.06%	3.13%	3.23%
Profit Margin	18.35%	18.58%	23.33%	25.81%	27.06%	28.20%
FCF Margin	2.44%	23.50%	15.02%	58.04%	52.76%	-17.77%
EBITDA	0	1.63	1.67	1.84	1.91	2.06
EBITDA Margin	0.00%	3.45%	3.47%	3.75%	3.92%	4.54%
Effective Tax Rate	4.11%	4.04%	12.58%	17.26%	16.73%	15.89%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q