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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	11.58	11.08	8.76	11.26	12.62	13.17
Depreciation & Amortization	1.68	1.63	1.59	1.64	1.8	1.9
Provision for Credit Losses	0.21	0.77	0.93	-0.5	-	-
Stock-Based Compensation	0.55	0.49	0.4	0.37	0.45	0.3
Net Change in Loans Held-for-Sale	-0.14	1.03	-2.13	-1.89	12.65	18.36
Other Adjustments	0.9	1.02	1.1	1.61	0.93	1.24
Changes in Accrued Interest and Accounts Receivable	-0.36	-0.52	-1.06	-1.25	-0.92	0.88
Changes in Other Operating Activities	1.38	1.71	2.56	-2.05	1.5	-6.65
Operating Cash Flow	15.8	17.23	12.15	9.19	29.03	29.19
Operating Cash Flow Growth	10.07%	41.76%	32.20%	-68.34%	-0.55%	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	0	0.51	5.23	1.74	-3.23	6.97
Net Change in Loans Held-for-Investment	-15.76	-19.03	-127.44	-70.12	-171.1	-15.86
Net Change in Securities and Investments	-64.22	-66.77	1.27	-8.61	-30.1	-175.42
Capital Expenditures	-1.29	-1.25	-1.07	-1.95	-0.67	-3.51
Sale of Property, Plant & Equipment	-	-	0.05	0.02	-	0.11
Other Investing Activities	-1.82	-1.79	-2.86	-3.34	-2.48	-2.3
Investing Cash Flow	-83.08	-88.33	-124.83	-82.25	-207.58	-190.01
Net Change in Deposits	18.44	46.09	-136.71	103.69	106.83	100.78
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	40	-13.5	19	-40	50	-
Long-Term Debt Issued	40.29	70.29	285	90.7	-	16.5
Long-Term Debt Repaid	-10	-30	-110	-35	-	-7.16
Net Long-Term Debt Issued (Repaid)	30.29	40.29	175	55.7	-	9.34
Issuance of Common Stock	1.15	1.18	-	-	-	0.07
Repurchase of Common Stock	-	-	-	-0.13	-0.08	-0
Net Common Stock Issued (Repurchased)	1.15	1.18	-	-0.13	-0.08	0.07
Common Dividends Paid	-6.51	-6.48	-6.44	-6.42	-6.24	-5.88
Other Financing Activities	-	-	-	-	-	-0.34
Financing Cash Flow	83.4	67.57	50.85	112.84	150.52	103.97
Net Cash Flow	16.11	-3.54	-61.83	39.78	-28.04	-56.85
Free Cash Flow	14.51	15.97	11.08	7.25	28.37	25.68
Free Cash Flow Growth	-9.19%	44.15%	52.93%	-74.46%	10.46%	-
FCF Margin	14.17%	16.51%	12.96%	8.42%	32.12%	30.44%
Free Cash Flow Per Share	0.01	3.48	2.43	1.60	6.28	5.70
Levered Free Cash Flow	43.27	52.94	185.79	63.35	14.34	15.12
Unlevered Free Cash Flow	1.4	1.57	2.03	-3.6	1.72	-7.38

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q