Union Bankshares, Inc. (UNB)
NASDAQ: UNB · Real-Time Price · USD
23.09
+0.28 (1.23%)
Nov 4, 2026, 3:06 PM EST - Market open
Union Bankshares Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 | 11.08 | 8.76 | 11.26 | 12.62 | 13.17 |
Depreciation & Amortization | 1.63 | 1.59 | 1.64 | 2.75 | 3.11 |
Other Amortization | 0.03 | 0.03 | 0.03 | 0.03 | 0.01 |
Gain (Loss) on Sale of Assets | - | -0.02 | -0 | - | 0.1 |
Gain (Loss) on Sale of Investments | 0.31 | 1.62 | 0.34 | 0.66 | 0.6 |
Provision for Credit Losses | 0.77 | 0.93 | -0.5 | - | - |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 3.18 | -0.44 | -0.73 | 13.66 | 23.32 |
Accrued Interest Receivable | -0.52 | -1.06 | -1.25 | -0.92 | 0.88 |
Change in Other Net Operating Assets | 1.81 | 2.15 | -2.47 | 0.87 | -7.5 |
Other Operating Activities | -1.25 | -1.83 | 0.27 | -1.22 | -0.84 |
Operating Cash Flow | 17.23 | 12.15 | 9.19 | 29.03 | 29.19 |
Operating Cash Flow Growth | 41.76% | 32.20% | -68.34% | -0.55% | - |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Capital Expenditures | -1.25 | -1.07 | -1.95 | -0.67 | -3.51 |
Sale of Property, Plant and Equipment | - | 0.05 | 0.02 | - | - |
Investment in Securities | -68.25 | 3.41 | -10.21 | -35.81 | -170.75 |
Income (Loss) Equity Investments | 1.82 | 1.7 | 1.39 | 1.14 | 1.01 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -19.03 | -127.44 | -70.12 | -171.1 | -15.86 |
Other Investing Activities | 0.2 | 0.24 | - | - | - |
Investing Cash Flow | -88.33 | -124.83 | -82.25 | -207.58 | -190.01 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Short-Term Debt Issued | - | 19 | - | 50 | - |
Long-Term Debt Issued | 70.29 | 285 | 90.7 | - | 16.5 |
Total Debt Issued | 70.29 | 304 | 90.7 | 50 | 16.5 |
Short-Term Debt Repaid | -13.5 | - | -40 | - | - |
Long-Term Debt Repaid | -30 | -110 | -35 | - | -7.16 |
Total Debt Repaid | -43.5 | -110 | -75 | - | -7.16 |
Net Debt Issued (Repaid) | 26.79 | 194 | 15.7 | 50 | 9.34 |
Issuance of Common Stock | 1.18 | - | - | - | 0.07 |
Repurchase of Common Stock | - | - | -0.13 | -0.08 | -0 |
Common Dividends Paid | -6.48 | -6.44 | -6.42 | -6.24 | -5.88 |
Net Increase (Decrease) in Deposit Accounts | 46.09 | -136.71 | 103.69 | 106.83 | 100.78 |
Other Financing Activities | - | - | - | - | -0.34 |
Financing Cash Flow | 67.57 | 50.85 | 112.84 | 150.52 | 103.97 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 Cash Flow | -3.54 | -61.83 | 39.78 | -28.04 | -56.85 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
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 Margin | 29.75% | 23.55% | 15.02% | 58.15% | 52.76% |
Free Cash Flow Per Share | 3.48 | 2.43 | 1.60 | 6.28 | 5.70 |