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UNION BANKSHARES INC

UNB Clue Score49
United States Fiscal year ends December CIK 0000706863
$23.00 +0.44% Close, 12 Oct 2026
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Price $23.00 −28.21% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income8.5Fiscal year 2017Net income8.4 −0.7%Fiscal year 2018Net income7.1 −16.3%Fiscal year 2019Net income10.6 +50.6%EPS, diluted2.38Fiscal year 2020Net income12.8 +20.3%EPS, diluted2.85 +19.7%Fiscal year 2021Net income13.2 +2.9%EPS, diluted2.92 +2.5%Fiscal year 2022Net income12.6 −4.2%EPS, diluted2.79 −4.5%Fiscal year 2023Net income11.3 −10.8%EPS, diluted2.48 −11.1%Fiscal year 2024Net income8.8 −22.2%EPS, diluted1.92 −22.6%Fiscal year 2025Net income11.1 +26.5%EPS, diluted2.41 +25.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 8.5 8.4 7.1 10.6 12.8 13.2 12.6 11.3 8.8 11.1
Growth −0.7% −16.3% +50.6% +20.3% +2.9% −4.2% −10.8% −22.2% +26.5%
EPS, diluted n/a n/a n/a 2.38 2.85 2.92 2.79 2.48 1.92 2.41
Growth +19.7% +2.5% −4.5% −11.1% −22.6% +25.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow7.6Capital expenditure−1.9Free cash flow5.7Buybacks−0.0Dividends paid−4.9Fiscal year 2017Operating cash flow9.9Capital expenditure−2.0Free cash flow7.9 +38.1%Buybacks−0.1Dividends paid−5.2Fiscal year 2018Operating cash flow16.8Capital expenditure−3.1Free cash flow13.7 +73.7%Buybacks−0.1Dividends paid−5.3Fiscal year 2019Operating cash flow11.6Capital expenditure−6.4Free cash flow5.2 −61.8%Buybacks−0.0Dividends paid−5.5Fiscal year 2020Operating cash flow−7.1Capital expenditure−1.0Free cash flow−8.1 −254.4%Buybacks0.0Dividends paid−5.7Fiscal year 2021Operating cash flow29.2Capital expenditure−3.5Free cash flow25.7Buybacks−0.0Dividends paid−5.9Fiscal year 2022Operating cash flow29.0Capital expenditure−0.7Free cash flow28.4 +10.5%Buybacks−0.1Dividends paid−6.3Fiscal year 2023Operating cash flow9.2Capital expenditure−1.9Free cash flow7.2 −74.5%Buybacks−0.1Dividends paid−6.5Fiscal year 2024Operating cash flow12.2Capital expenditure−1.1Free cash flow11.1 +52.9%Buybacks0.0Dividends paid−6.5Fiscal year 2025Operating cash flow17.2Capital expenditure−1.3Free cash flow16.0 +44.2%Dividends paid−6.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 7.6 9.9 16.8 11.6 −7.1 29.2 29.0 9.2 12.2 17.2
Capital expenditure −1.9 −2.0 −3.1 −6.4 −1.0 −3.5 −0.7 −1.9 −1.1 −1.3
Free cash flow 5.7 7.9 13.7 5.2 −8.1 25.7 28.4 7.2 11.1 16.0
Growth +38.1% +73.7% −61.8% −254.4% +10.5% −74.5% +52.9% +44.2%
Buybacks −0.0 −0.1 −0.1 −0.0 0.0 −0.0 −0.1 −0.1 0.0 n/a
Dividends paid −4.9 −5.2 −5.3 −5.5 −5.7 −5.9 −6.3 −6.5 −6.5 −6.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Shareholders’ equity56.3Fiscal year 2017Shareholders’ equity58.7Fiscal year 2018Cash37.3Shareholders’ equity64.5Fiscal year 2019Cash51.1Shareholders’ equity71.8Fiscal year 2020Cash122.8Shareholders’ equity80.9Fiscal year 2021Cash65.9Shareholders’ equity84.3Fiscal year 2022Cash37.9Shareholders’ equity55.2Fiscal year 2023Cash77.7Shareholders’ equity65.8Fiscal year 2024Cash15.8Shareholders’ equity66.5Fiscal year 2025Cash12.3Shareholders’ equity80.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a n/a 37.3 51.1 122.8 65.9 37.9 77.7 15.8 12.3
Shareholders’ equity 56.3 58.7 64.5 71.8 80.9 84.3 55.2 65.8 66.5 80.9

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
23.4% 29.9% 15.3% 14.7% 15.9% n/a n/a n/a n/a n/a
Returns
15.1% 14.4% 11.0% 14.8% 15.8% 15.6% 22.8% 17.1% 13.2% 13.7%
1.2% 1.1% 0.9% 1.2% 1.2% 1.1% 0.9% 0.8% 0.6% 0.7%
Balance and payout
91.9% 92.1% 92.0% 91.8% 92.6% 93.0% 95.9% 95.5% 95.7% 95.0%
58.0% 61.0% 75.3% 51.7% 44.7% 44.9% 49.9% 57.7% 74.3% 59.2%
86.7% 66.1% 39.7% 105.5% n/a 23.0% 22.5% 91.4% 58.8% 41.0%