UNB
Union Bankshares Inc
NASDAQ: UNB · FINANCIAL SERVICES · BANKS - REGIONAL
$24.69
-1.24% today
Updated 2026-04-30
Market cap
$117.75M
P/E ratio
10.59
P/S ratio
2.19x
EPS (TTM)
$2.41
Dividend yield
5.77%
52W range
$20 – $34
Volume
0.0M
Union Bankshares Inc (UNB) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $29.25M | $30.30M | $28.09M | $33.61M | $28.50M | $29.49M | $35.12M | $32.40M | $32.96M | $34.45M | $36.41M | $38.41M | $41.65M | $46.33M | $52.75M | $52.24M | $53.07M | $67.28M | $77.94M | $87.30M |
| Revenue growth (YoY) | — | +3.6% | -7.3% | +19.7% | -15.2% | +3.5% | +19.1% | -7.8% | +1.7% | +4.5% | +5.7% | +5.5% | +8.4% | +11.2% | +13.9% | -1.0% | +1.6% | +26.8% | +15.9% | +12.0% |
| Cost of revenue | $7.00M | $8.49M | $7.51M | $5.69M | $4.64M | $4.68M | $4.01M | $2.76M | $2.50M | $2.58M | $2.21M | $2.46M | $4.03M | $6.38M | $7.35M | $3.56M | $4.52M | $18.77M | $30.52M | $33.57M |
| Gross profit | $22.25M | $21.81M | $20.57M | $27.91M | $23.86M | $24.81M | $31.11M | $29.63M | $30.46M | $31.88M | $34.20M | $35.96M | $37.62M | $39.95M | $45.41M | $48.67M | $48.55M | $48.51M | $47.42M | $53.73M |
| Gross margin | 76.1% | 72.0% | 73.3% | 83.1% | 83.7% | 84.1% | 88.6% | 91.5% | 92.4% | 92.5% | 93.9% | 93.6% | 90.3% | 86.2% | 86.1% | 93.2% | 91.5% | 72.1% | 60.8% | 61.5% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $9.41M | $9.70M | $10.13M | $10.37M | $10.72M | $12.54M | $14.62M | $13.59M | $13.54M | $14.79M | $15.85M | $16.36M | $21.40M | $18.74M | $20.77M | $22.55M | $23.19M | $23.99M | $26.25M | $30.65M |
| Operating income | $8.44M | $7.62M | $6.13M | $6.65M | $7.29M | $6.34M | $8.51M | $9.00M | $9.67M | $10.54M | $11.11M | $12.05M | $8.35M | $12.48M | $15.22M | $15.82M | $15.25M | $12.88M | $9.13M | $12.03M |
| Operating margin | 28.8% | 25.1% | 21.8% | 19.8% | 25.6% | 21.5% | 24.2% | 27.8% | 29.3% | 30.6% | 30.5% | 31.4% | 20.0% | 26.9% | 28.9% | 30.3% | 28.7% | 19.1% | 11.7% | 13.8% |
| EBITDA | $9.28M | $8.39M | $6.91M | $7.36M | $7.95M | $7.13M | $9.56M | $10.07M | $10.81M | $11.79M | $12.54M | $13.45M | $9.73M | $14.22M | $17.29M | $17.71M | $17.05M | $14.52M | $10.72M | $12.03M |
| EBITDA margin | 31.7% | 27.7% | 24.6% | 21.9% | 27.9% | 24.2% | 27.2% | 31.1% | 32.8% | 34.2% | 34.4% | 35.0% | 23.4% | 30.7% | 32.8% | 33.9% | 32.1% | 21.6% | 13.8% | 13.8% |
| EBIT | $8.44M | $7.62M | $6.13M | $6.65M | $7.29M | $6.34M | $8.51M | $9.00M | $9.67M | $10.54M | $11.11M | $12.05M | $8.35M | $12.48M | $15.22M | $15.82M | $15.25M | $12.88M | $9.13M | — |
| Interest expense | $6.82M | $8.23M | $7.18M | $5.29M | $4.12M | $3.91M | $3.35M | $2.46M | $2.15M | $2.02M | $2.06M | $2.25M | $3.58M | $5.62M | $5.15M | $3.56M | $4.52M | $19.27M | $29.59M | $32.80M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $6.26M | $5.66M | $5.11M | $5.23M | $5.59M | $5.22M | $6.84M | $7.13M | $7.69M | $7.88M | $8.51M | $8.45M | $7.07M | $10.65M | $12.80M | $13.17M | $12.62M | $11.26M | $8.76M | $11.10M |
| Net income growth (YoY) | — | -9.6% | -9.7% | +2.4% | +6.9% | -6.6% | +31.1% | +4.3% | +7.8% | +2.4% | +8.0% | -0.7% | -16.3% | +50.6% | +20.3% | +2.9% | -4.2% | -10.8% | -22.2% | +26.7% |
| Profit margin | 21.4% | 18.7% | 18.2% | 15.6% | 19.6% | 17.7% | 19.5% | 22.0% | 23.3% | 22.9% | 23.4% | 22.0% | 17.0% | 23.0% | 24.3% | 25.2% | 23.8% | 16.7% | 11.2% | 12.7% |