Union Bankshares, Inc. (UNB)

Union Bankshares Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	86.04	76.73	75.69	78.85	71.42
Net Interest Income Growth	12.14%	1.38%	-4.01%	10.41%	12.99%
Non-Interest Income	11.46	9.72	9.9	9.45	12.96
Non-Interest Income Growth	17.89%	-1.83%	4.77%	-27.08%	-19.00%
Revenues Before Loan Losses	97.5	86.45	85.59	88.3	84.38
Provision for Credit Losses	0.77	0.93	-0.5	-	-
Revenue	96.73	85.52	86.09	88.3	84.38
Revenue Growth (YoY)	13.10%	-0.66%	-2.50%	4.65%	9.57%
Compensation Expenses	23.93	21.39	19.61	19.11	19.04
Selling, General & Admin	6.72	6.19	5.76	5.61	5.34
Other Non-Interest Expenses	11.05	10.45	10	8.91	8.48
Total Non-Interest Expense	41.7	38.03	35.37	33.63	32.86
Pretax Income	12.01	9.13	12.88	15.25	15.82
Provision for Income Taxes	0.93	0.37	1.62	2.63	2.65
Net Income	11.08	8.76	11.26	12.62	13.17
Net Income to Common	11.08	8.76	11.26	12.62	13.17
Net Income Growth	26.47%	-22.17%	-10.76%	-4.21%	2.85%
Shares Outstanding (Basic)	5	5	5	4	4
Shares Outstanding (Diluted)	5	5	5	5	5
Shares Change (YoY)	0.83%	0.37%	0.51%	0.12%	0.35%
EPS (Basic)	2.43	1.94	2.50	2.81	2.94
EPS (Diluted)	2.41	1.92	2.48	2.79	2.92
EPS Growth	25.52%	-22.58%	-11.11%	-4.45%	2.46%
Shares Outstanding	4.61	4.54	4.52	4.51	4.49
Free Cash Flow	15.97	11.08	7.25	28.37	25.68
Free Cash Flow Growth	44.15%	52.93%	-74.46%	10.46%	-
Free Cash Flow Per Share	3.48	2.43	1.60	6.28	5.70
Dividends Per Share	1.440	1.440	1.440	1.400	1.320
Dividend Growth	-	-	2.86%	6.06%	3.13%
Profit Margin	11.45%	10.24%	13.08%	14.29%	15.61%
FCF Margin	16.51%	12.96%	8.42%	32.12%	30.44%
EBITDA	1.63	1.59	1.64	1.8	1.9
EBITDA Margin	1.69%	1.86%	1.90%	2.04%	2.25%
Effective Tax Rate	7.73%	4.04%	12.58%	17.26%	16.73%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q