Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 87M | 78M | 67M | 53M | 52M |
| Gross Profit | 54M | 47M | 49M | 49M | 49M |
| Operating Income | 12M | 9M | 13M | 15M | 16M |
| EBITDA | 12M | 11M | 15M | 17M | 18M |
| Net Income | 11M | 9M | 11M | 13M | 13M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$23.50
+0.90% today
1Y Change
-8.23%
Window
Jun 23, 2025 → Jun 15, 2026
Coverage: 246 bars · Jun 23, 2025 → Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Union Bankshares, Inc. (UNB) is a Financial Services stock with a market cap of $120.00M and listed on NASDAQ. The stock last traded around $23.50 and down 8.2% across the available one-year price window (Jun 23, 2025 → Jun 15, 2026). Baseline metrics include revenue growth of +12.0%, EPS growth of +25.3%, a dividend yield of 5.8%. What stands out right now is revenue +12.0%, EPS +25.3%, free cash flow +44.2% with operating margin 14.4% and ROIC 0.8%. The dividend matters to the case here, with a current yield around 5.8%. Valuation is more restrained than many high-expectation growth names at P/E 10.0 and price/sales 1.3. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UNB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UNB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UNB Max Drawdown
-25.37%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UNB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$52.2M
-1.6% YoY
FY Net Income
$13.2M
+4.4% YoY
Free Cash Flow
$25.7M
-9.5% YoY
Revenue Growth
+12.0%
EPS Growth
+25.3%
Gross Margin
62.5%
Net Margin
13.1%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 87M | 78M | 67M | 53M | 52M |
| Gross Profit | 54M | 47M | 49M | 49M | 49M |
| Operating Income | 12M | 9M | 13M | 15M | 16M |
| EBITDA | 12M | 11M | 15M | 17M | 18M |
| Net Income | 11M | 9M | 11M | 13M | 13M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 5M | 15M | 19M | 21M | 18M |
| Total Assets | 1.6B | 1.5B | 1.5B | 1.3B | 1.2B |
| Total Liabilities | 1.5B | 1.5B | 1.4B | 1.3B | 1.1B |
| Shareholder Equity | 81M | 66M | 66M | 55M | 84M |
| Total Debt | 303M | 276M | 82M | 66M | 16M |
| Net Debt | 298M | 261M | 63M | 45M | -2M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
29M
+0.5% YoY
Capital Expenditures
4M
-427.7% YoY
Free Cash Flow
26M
-9.5% YoY
Key ratios
Gross Margin
62.5%
Operating Margin
14.4%
Net Margin
13.1%
ROE
15.5%
Debt / Equity
3.74x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.