arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

UNION BANKSHARES INC

UNB

$22.97 ▼ -0.01 (-0.02%) at close

17 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

auto_awesome

Analytical Summary

UNION BANKSHARES INC shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $104.7M

Dividend Yield 6.27%

Revenue Growth 13.3% ↗

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 9.5x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$54.48M

↑ +13.3% —

Net Income Profit after all expenses

$11.08M

↑ +26.5% —

trending_up

Bullish Indicators

Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.44 Latest / share

+0.0% YoY

+3.0% 12-yr CAGR

$1.04

FY 2014

$1.08

FY 2015

$1.11

FY 2016

$1.16

FY 2017

$1.20

FY 2018

$1.24

FY 2019

$1.28

FY 2020

$1.32

FY 2021

$1.40

FY 2022

$1.44

FY 2023

$1.44

FY 2024

$1.44

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	13.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+122%)	0.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-88%)	-2.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-139%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	2.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-63%)	16.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+182%)	7.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	5.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	-5.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-186%)	19.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+230%)	10.0% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+67%)	—	—
EPS Growth YoY (%)	25.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-11.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	20.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	50.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	2.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	8.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	3.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	31.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-6.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	26.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-22.2% Weak ↓ Weak Declining Year-over-year change in net income	-10.8% Weak ↓ Weak Declining Year-over-year change in net income	-4.2% Weak ↓ Weak Declining Year-over-year change in net income	2.9% Caution ↓ Caution Declining Year-over-year change in net income	20.3% Good ↑ Good Improving Year-over-year change in net income	50.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-16.3% Weak ↓ Weak Declining Year-over-year change in net income	-0.7% Weak ↓ Weak Declining Year-over-year change in net income	8.0% Fair ↑ Fair Improving Year-over-year change in net income	2.4% Caution ↓ Caution Declining Year-over-year change in net income	7.8% Fair ↓ Fair Declining Year-over-year change in net income	4.3% Caution ↓ Caution Declining Year-over-year change in net income	31.1% Excellent Excellent Year-over-year change in net income	-6.6% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.6% Caution → Caution Stable Compound annual revenue growth over 3 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.5% Fair Fair Compound annual revenue growth over 3 years	7.7% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair → Fair Stable Compound annual revenue growth over 5 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.4% Fair Fair Compound annual revenue growth over 5 years	6.1% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-4.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	23.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-3.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	4.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	13.9% Good Good Compound annual EPS growth over 3 years	8.6% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Profit Margin (%) (%)	20.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	18.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	23.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	25.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	26.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	26.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	18.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	23.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	24.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	23.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	23.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	21.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	22.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	13.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	13.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	17.1% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+43%)	22.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+90%)	15.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+30%)	15.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	14.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	11.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	14.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+20%)	15.1% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	14.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	15.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	14.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	15.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	12.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	13.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$11.95	$10.63	$10.59	$10.87	$10.85	$10.64	$9.11	$8.53	$8.10	$7.83	$7.38	$7.09	$6.85	$7.22	$6.03	—	—
Basic EPS, GAAP (USD)	$2.43	$1.94	$2.50	$2.81	$2.94	$2.86	$2.38	$1.58	$1.89	$1.91	$1.77	$1.73	$1.60	$1.54	$1.17	$1.25	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.44	$1.44	$1.44	$1.40	$1.32	$1.28	$1.24	$1.20	$1.16	$1.11	$1.08	$1.04	$1.01	$1.00	$1.00	$1.00	—
Book Value per Share (USD)	$17.74	$14.70	$14.60	$12.28	$18.81	$18.07	$16.08	$14.44	$13.15	$12.62	$12.02	$11.54	$11.18	$10.11	$9.05	—	—
Tangible Book Value per Share (USD)	$17.74	$14.70	$14.60	$12.28	$18.81	$17.58	$15.58	$13.94	$12.65	$12.12	$11.52	$11.04	$10.68	$9.61	$8.55	—	—
Basic Weighted Avg Shares (shares)	4.56M	4.52M	4.51M	4.50M	4.48M	4.47M	4.47M	4.47M	4.46M	4.46M	4.46M	4.46M	4.46M	4.46M	4.46M	—	—
Dividend Payout Ratio (%)	59.3% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	74.2% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	57.6% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	44.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.1% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	75.9% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	61.4% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	58.1% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	61.0% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	60.1% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	63.1% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	64.9% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	85.5% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	80.0% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$80.86M	$66.48M	$65.81M	$55.22M	$84.34M	$80.87M	$71.84M	$64.49M	$58.66M	$56.28M	$53.57M	$51.43M	$49.82M	$45.05M	$40.34M	$41.73M	$41.18M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$54.48M	$48.09M	$47.75M	$48.88M	$48.67M	$47.61M	$40.73M	$38.07M	$36.16M	$34.91M	$32.91M	$31.61M	$30.53M	$32.20M	$26.89M	$24.44M	—
Net Income, GAAP (USD)	$11.08M	$8.76M	$11.26M	$12.62M	$13.17M	$12.80M	$10.65M	$7.07M	$8.45M	$8.51M	$7.88M	$7.69M	$7.13M	$6.84M	$5.22M	$5.59M	—
Operating Cash Flow (USD)	$17.23M	$12.15M	$9.19M	$29.03M	$29.19M	$-7.06M	$11.64M	$16.76M	$9.87M	$7.64M	$13.13M	$2.20M	$17.82M	$3.47M	$7.36M	$11.26M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	2.7%	2.5%	2.6%	2.9%	3.0%	2.9%	3.5%	3.6%	3.6%	3.6%	3.7%	3.6%	3.8%	3.8%	3.6%	4.1%	—
Efficiency Ratio (%) (%)	76.5%	79.1%	74.1%	68.8%	67.5%	63.4%	67.5%	76.9%	66.1%	67.8%	67.8%	68.3%	69.5%	71.5%	73.5%	68.0%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 17 years · 67 quarters

UNION BANKSHARES INC

Analytical Summary

17-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare UNB with peers