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Union Bankshares, Inc. UNB

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23.51 USD +0.36 (+1.57%)

Nov 5, 2026, 11:03 AM EST

23.21 Day range 23.95
20.65 52-week range 26.41
YTD
-0.91%
1 year
+2.33%

Financial health

Altman Z-Score

-0.47 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 4
  • P/B 2

Valuation

P/E 9.8×
FY 2016: 23.8×FY 2017: 28.0×FY 2018: 30.2×FY 2019: 15.2×FY 2020: 9.0×FY 2021: 10.1×FY 2022: 8.5×FY 2023: 12.3×FY 2024: 14.9×FY 2025: 9.8×
FY 2016 5y median 10.1× FY 2025
P/S 1.2×
FY 2016: 5.6×FY 2017: 6.2×FY 2018: 5.1×FY 2019: 3.5×FY 2020: 2.2×FY 2021: 2.6×FY 2022: 2.0×FY 2023: 2.1×FY 2024: 1.7×FY 2025: 1.2×
FY 2016 5y median 2.0× FY 2025
P/B 1.3×
FY 2016: 3.6×FY 2017: 4.0×FY 2018: 3.3×FY 2019: 2.3×FY 2020: 1.4×FY 2021: 1.6×FY 2022: 2.0×FY 2023: 2.1×FY 2024: 2.0×FY 2025: 1.3×
FY 2016 5y median 2.0× FY 2025
P/FCF 6.8×
FY 2016: 35.5×FY 2017: 30.0×FY 2018: 15.6×FY 2019: 31.0×FY 2020: -14.3×FY 2021: 5.2×FY 2022: 3.8×FY 2023: 19.0×FY 2024: 11.8×FY 2025: 6.8×
FY 2016 5y median 6.8× FY 2025
EV/EBITDA 29.8×
FY 2016: 17.7×FY 2017: 18.9×FY 2018: 23.4×FY 2019: 13.9×FY 2020: 6.0×FY 2021: 7.5×FY 2022: 9.0×FY 2023: 13.8×FY 2024: 36.6×FY 2025: 29.8×
FY 2016 5y median 13.8× FY 2025
EV/Sales 4.7×
FY 2016: 6.1×FY 2017: 6.6×FY 2018: 5.5×FY 2019: 4.3×FY 2020: 2.0×FY 2021: 2.5×FY 2022: 2.9×FY 2023: 3.0×FY 2024: 5.0×FY 2025: 4.7×
FY 2016 5y median 3.0× FY 2025
FCF Yield 14.7%
FY 2016: 2.8%FY 2017: 3.3%FY 2018: 6.4%FY 2019: 3.2%FY 2020: -7.0%FY 2021: 19.2%FY 2022: 26.3%FY 2023: 5.2%FY 2024: 8.5%FY 2025: 14.7%
FY 2016 5y median 14.7% FY 2025

Profitability

Gross Margin 61.5%
FY 2016: 93.9%FY 2017: 93.6%FY 2018: 90.3%FY 2019: 86.2%FY 2020: 86.1%FY 2021: 93.2%FY 2022: 91.5%FY 2023: 72.1%FY 2024: 60.8%FY 2025: 61.5%
FY 2016 5y median 72.1% FY 2025
Operating Margin 13.8%
FY 2016: 30.5%FY 2017: 31.4%FY 2018: 20.0%FY 2019: 26.9%FY 2020: 28.9%FY 2021: 30.3%FY 2022: 28.7%FY 2023: 19.1%FY 2024: 11.7%FY 2025: 13.8%
FY 2016 5y median 19.1% FY 2025
Net Margin 12.7%
FY 2016: 23.4%FY 2017: 22.0%FY 2018: 17.0%FY 2019: 23.0%FY 2020: 24.3%FY 2021: 25.2%FY 2022: 23.8%FY 2023: 16.7%FY 2024: 11.2%FY 2025: 12.7%
FY 2016 5y median 16.7% FY 2025
ROE 13.7%
FY 2016: 15.2%FY 2017: 14.4%FY 2018: 11.0%FY 2019: 14.8%FY 2020: 15.8%FY 2021: 15.6%FY 2022: 22.8%FY 2023: 17.1%FY 2024: 13.2%FY 2025: 13.7%
FY 2016 5y median 15.6% FY 2025
ROIC 0.8%
FY 2016: 9.7%FY 2017: 9.4%FY 2018: 7.7%FY 2019: 8.9%FY 2020: 14.5%FY 2021: 13.1%FY 2022: 10.4%FY 2023: 6.9%FY 2024: 2.4%FY 2025: 0.8%
FY 2016 5y median 6.9% FY 2025
ROA 0.7%
FY 2016: 1.2%FY 2017: 1.1%FY 2018: 0.9%FY 2019: 1.2%FY 2020: 1.2%FY 2021: 1.1%FY 2022: 0.9%FY 2023: 0.8%FY 2024: 0.6%FY 2025: 0.7%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 12.0%
FY 2016: 5.7%FY 2017: 5.5%FY 2018: 8.4%FY 2019: 11.2%FY 2020: 13.9%FY 2021: -1.0%FY 2022: 1.6%FY 2023: 26.8%FY 2024: 15.9%FY 2025: 12.0%
FY 2016 FY 2025
Operating Income 31.7%
FY 2016: 5.4%FY 2017: 8.5%FY 2018: -30.8%FY 2019: 49.5%FY 2020: 22.0%FY 2021: 3.9%FY 2022: -3.6%FY 2023: -15.5%FY 2024: -29.1%FY 2025: 31.7%
FY 2016 FY 2025
EPS (diluted) 26.6%
FY 2016: 7.9%FY 2017: -1.0%FY 2018: -16.4%FY 2019: 50.6%FY 2020: 19.7%FY 2021: 2.5%FY 2022: -4.5%FY 2023: -11.1%FY 2024: -22.6%FY 2025: 26.6%
FY 2016 FY 2025
Free Cash Flow 44.2%
FY 2016: -47.4%FY 2017: 38.1%FY 2018: 73.7%FY 2019: -61.8%FY 2020: -254.4%FY 2021: 418.3%FY 2022: 10.5%FY 2023: -74.5%FY 2024: 52.9%FY 2025: 44.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 3.7×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.7×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 4.2×FY 2025: 3.7×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA 21.8×
FY 2016: 1.5×FY 2017: 1.4×FY 2018: 1.5×FY 2019: 2.5×FY 2020: -0.6×FY 2021: -0.1×FY 2022: 2.7×FY 2023: 4.3×FY 2024: 24.4×FY 2025: 21.8×
FY 2016 5y median 4.3× FY 2025
Interest Coverage 0.4×
FY 2016: 5.4×FY 2017: 5.3×FY 2018: 2.3×FY 2019: 2.2×FY 2020: 3.0×FY 2021: 4.4×FY 2022: 3.4×FY 2023: 0.7×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 6.0%
FY 2016: 2.4%FY 2017: 2.2%FY 2018: 2.5%FY 2019: 3.4%FY 2020: 4.9%FY 2021: 4.4%FY 2022: 5.8%FY 2023: 4.6%FY 2024: 4.9%FY 2025: 6.0%
FY 2016 5y median 4.9% FY 2025
Payout Ratio 58.4%
FY 2016: 58.0%FY 2017: 61.0%FY 2018: 75.3%FY 2019: 51.7%FY 2020: 44.4%FY 2021: 44.6%FY 2022: 49.4%FY 2023: 57.0%FY 2024: 73.6%FY 2025: 58.4%
FY 2016 5y median 57.0% FY 2025

Annual · latest fiscal year ends 2025-12-31