Union Bankshares, Inc. (UNB)

Union Bankshares Cash Flow 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	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	2.75	3.11	3.26
Other Amortization	0.04	0.03	0.03	0.03	0.01	-
Gain (Loss) on Sale of Assets	-0	-0.02	-0	-	0.1	-
Gain (Loss) on Sale of Investments	0.38	1.62	0.34	0.66	0.6	0.3
Provision for Credit Losses	1.12	0.93	-0.5	-	-	2.2
Net Decrease (Increase) in Loans Originated / Sold - Operating	6.02	-0.44	-0.73	13.66	23.32	-16.58
Accrued Interest Receivable	-0.67	-1.06	-1.25	-0.92	0.88	-1.2
Change in Other Net Operating Assets	1.73	2.15	-2.47	0.87	-7.5	1.12
Other Operating Activities	-1.83	-1.83	0.27	-1.22	-0.84	-1.97
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%	-	-
Capital Expenditures	-1.11	-1.07	-1.95	-0.67	-3.51	-1.01
Sale of Property, Plant and Equipment	0	0.05	0.02	-	-	-
Investment in Securities	-14.67	3.41	-10.21	-35.81	-170.75	-25.33
Income (Loss) Equity Investments	1.81	1.7	1.39	1.14	1.01	0.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-56.84	-127.44	-70.12	-171.1	-15.86	-101.03
Other Investing Activities	0.2	0.24	-	-	-	1.46
Investing Cash Flow	-72.41	-124.83	-82.25	-207.58	-190.01	-125.91
Short-Term Debt Issued	-	19	-	50	-	-
Long-Term Debt Issued	-	285	90.7	-	16.5	-
Total Debt Issued	50.15	304	90.7	50	16.5	-
Short-Term Debt Repaid	-	-	-40	-	-	-40
Long-Term Debt Repaid	-	-110	-35	-	-7.16	-
Total Debt Repaid	-20	-110	-75	-	-7.16	-40
Net Debt Issued (Repaid)	30.15	194	15.7	50	9.34	-40
Issuance of Common Stock	0.8	-	-	-	0.07	0.02
Repurchase of Common Stock	-	-	-0.13	-0.08	-0	-
Common Dividends Paid	-6.46	-6.44	-6.42	-6.24	-5.88	-5.69
Net Increase (Decrease) in Deposit Accounts	16.32	-136.71	103.69	106.83	100.78	250.28
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	144.19%	52.93%	-74.46%	10.46%	-	-
Free Cash Flow Margin	35.62%	23.50%	15.02%	58.15%	52.76%	-17.77%
Free Cash Flow Per Share	4.09	2.43	1.60	6.28	5.70	-1.80
Cash Interest Paid	31.84	27.94	17.96	4.39	3.45	5.71
Cash Income Tax Paid	0.2	-	0.93	0.95	1.85	1.35

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q