Union Bankshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	11.33	8.76	11.26	12.62	13.17	12.81
Depreciation & Amortization	1.59	1.59	1.64	1.8	1.9	2.06
Provision for Credit Losses	1.12	0.93	-0.5	-	-	2.2
Stock-Based Compensation	0.41	0.4	0.37	0.45	0.3	0.24
Net Change in Loans Held-for-Sale	3.92	-2.13	-1.89	12.65	18.36	-24.75
Other Adjustments	0.3	1.1	1.61	0.93	1.24	1.65
Changes in Accrued Interest and Accounts Receivable	-0.67	-1.06	-1.25	-0.92	0.88	-1.2
Changes in Other Operating Activities	1.82	2.56	-2.05	1.5	-6.65	-0.07
Operating Cash Flow	19.82	12.15	9.19	29.03	29.19	-7.06
Operating Cash Flow Growth	110.20%	32.20%	-68.34%	-0.55%	-	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	4.74	5.23	1.74	-3.23	6.97	-6.13
Net Change in Loans Held-for-Investment	-56.84	-127.44	-70.12	-171.1	-15.86	-101.03
Net Change in Securities and Investments	-18.59	1.27	-8.61	-30.1	-175.42	-15.37
Capital Expenditures	-1.11	-1.07	-1.95	-0.67	-3.51	-1.01
Sale of Property, Plant & Equipment	0	0.05	0.02	-	0.11	-
Other Investing Activities	-1.43	-2.86	-3.34	-2.48	-2.3	-2.37
Investing Cash Flow	-72.41	-124.83	-82.25	-207.58	-190.01	-125.91
Net Change in Deposits	16.32	-136.71	103.69	106.83	100.78	250.28
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	30	19	-40	50	-	-40
Long-Term Debt Issued	60.15	285	90.7	-	16.5	-
Long-Term Debt Repaid	-30	-110	-35	-	-7.16	-
Net Long-Term Debt Issued (Repaid)	20.15	175	55.7	-	9.34	-
Issuance of Common Stock	0.78	-	-	-	0.07	0.02
Repurchase of Common Stock	-	-	-0.13	-0.08	-0	-
Net Common Stock Issued (Repurchased)	0.78	-	-0.13	-0.08	0.07	0.02
Common Dividends Paid	-6.46	-6.44	-6.42	-6.24	-5.88	-5.69
Other Financing Activities	-	-	-	-	-0.34	-
Financing Cash Flow	40.81	50.85	112.84	150.52	103.97	204.61
Net Cash Flow	-11.79	-61.83	39.78	-28.04	-56.85	71.64
Free Cash Flow	18.71	11.08	7.25	28.37	25.68	-8.07
Free Cash Flow Growth	68.86%	52.93%	-74.46%	10.46%	-	-
FCF Margin	19.22%	12.96%	8.42%	32.12%	30.44%	-10.48%
Free Cash Flow Per Share	0.01	2.43	1.60	6.28	5.70	-1.80
Levered Free Cash Flow	43.11	185.79	63.35	14.34	15.12	12.59
Unlevered Free Cash Flow	1.63	2.03	-3.6	1.72	-7.38	-0.21

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

SEC Filings: 10-K · 10-Q