Union Bankshares, Inc. (UNB) Key Metrics
UNB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $113.8M
- Enterprise value
- $428.2M
- P/E (TTM)
- 8.9 10-yr median 13.7
- Forward P/E
- 11.7
- PEG ratio
- —
- Price / sales
- 2.0 10-yr median 2.4
- Price / book
- 1.3 10-yr median 2.0
- EV / EBITDA
- — 10-yr median 15.1
- Dividend yield
- 6.26% $1.44 a year
- Beta
- 0.27
UNB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsUNB valuation Price multiples at each fiscal year-end price.
UNB returns How much profit the business earns on the capital it uses.
UNB per-share figures Results divided by the shares outstanding at year-end.
UNB financial health Debt, liquidity and how easily interest is covered.
UNB efficiency & capital use Working capital cycle and where the cash goes.
UNB valuation history
UNB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
UNB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
UNB cash returned to shareholders
UNB price vs earnings per share
UNB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $108.5M | $131.7M | $139.1M | $108.4M | $134.5M | $115.5M | $162.5M | $213.7M | $236.7M | $202.5M |
| Enterprise value | $399.0M | $218.7M | −$62.5M | −$96.4M | −$134.9M | −$1.2M | $110.3M | $154.8M | $191.0M | $155.9M |
| P/E ratio | 9.8 | 15.0 | 12.4 | 8.6 | 10.2 | 9.0 | 15.3 | 30.2 | 28.0 | 23.8 |
| Price / sales | 1.2 | 1.7 | 2.1 | 2.0 | 2.6 | 2.2 | 3.5 | 5.1 | 6.2 | 5.6 |
| Price / book | 1.3 | 2.0 | 2.1 | 2.0 | 1.6 | 1.4 | 2.3 | 3.3 | 4.0 | 3.6 |
| Price / free cash flow | 6.8 | 11.9 | 19.2 | 3.8 | 5.2 | — | 30.3 | 15.6 | 30.0 | 35.5 |
| Price / operating cash flow | 6.3 | 10.8 | 15.1 | 3.7 | 4.6 | — | 13.8 | 12.8 | 24.0 | 26.5 |
| EV / sales | 4.6 | 2.8 | -0.9 | -1.8 | -2.6 | -0.0 | 2.4 | 3.7 | 5.0 | 4.3 |
| EV / EBITDA | 29.2 | 20.4 | — | — | — | — | 7.8 | 15.9 | 14.2 | 12.4 |
| EV / free cash flow | 25.0 | 19.7 | — | — | — | — | 20.6 | 11.3 | 24.2 | 27.3 |
| Earnings yield | 10.2% | 6.7% | 8.1% | 11.6% | 9.8% | 11.1% | 6.6% | 3.3% | 3.6% | 4.2% |
| Free cash flow yield | 14.7% | 8.4% | 5.2% | 26.2% | 19.1% | −7.0% | 3.3% | 6.4% | 3.3% | 2.8% |
| Dividend yield | 6.0% | 4.9% | 4.6% | 5.8% | 4.4% | 4.9% | 3.4% | 2.5% | 2.2% | 2.4% |
| Shareholder yield (dividends + buybacks) | 6.0% | 4.9% | 4.7% | 5.8% | 4.4% | 4.9% | 3.4% | 2.5% | 2.2% | 2.4% |
| Share price at fiscal year-end | $23.73 | $28.91 | $30.65 | $24.01 | $29.83 | $25.71 | $36.26 | $47.75 | $52.95 | $45.45 |
| Per share | ||||||||||
| Revenue per share | $19.09 | $17.12 | $14.83 | $11.76 | $11.58 | $11.74 | $10.34 | $9.31 | $8.59 | $8.17 |
| Earnings per share | $2.43 | $1.92 | $2.48 | $2.79 | $2.92 | $2.85 | $2.38 | $1.58 | $1.89 | $1.91 |
| Operating cash flow per share | $3.77 | $2.67 | $2.03 | $6.43 | $6.47 | −$1.57 | $2.63 | $3.74 | $2.21 | $1.72 |
| Free cash flow per share | $3.49 | $2.43 | $1.60 | $6.28 | $5.70 | −$1.80 | $1.20 | $3.06 | $1.76 | $1.28 |
| Cash per share | $2.69 | $41.48 | $62.49 | $60.08 | $63.36 | $27.57 | $22.17 | $19.38 | $17.59 | $17.80 |
| Book value per share | $17.68 | $14.60 | $14.50 | $12.23 | $18.71 | $18.00 | $16.03 | $14.41 | $13.16 | $12.59 |
| Tangible book value per share | $17.68 | $14.22 | −$266.11 | $11.79 | $18.15 | $17.01 | $15.04 | $13.82 | $12.53 | $11.92 |
| Dividends per share | $1.42 | $1.42 | $1.41 | $1.38 | $1.30 | $1.27 | $1.23 | $1.19 | $1.15 | $1.11 |
| Capex per share | $0.27 | $0.24 | $0.43 | $0.15 | $0.78 | $0.22 | $1.43 | $0.69 | $0.44 | $0.43 |
| Debt per share | $66.22 | $60.60 | $18.06 | $14.70 | $3.62 | $1.59 | $10.52 | $6.22 | $7.37 | $7.34 |
| Shares outstanding | 4.6M | 4.6M | 4.5M | 4.5M | 4.5M | 4.5M | 4.5M | 4.5M | 4.5M | 4.5M |
| Change in shares outstanding | +0.4% | +0.4% | +0.5% | +0.1% | +0.4% | +0.3% | +0.1% | +0.1% | +0.3% | +0.1% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 15.1% | 13.2% | 18.6% | 18.1% | 15.9% | 16.8% | 15.6% | 11.5% | 14.7% | 15.5% |
| Return on invested capital (ROIC) | 4.2% | 98.6% | — | — | — | — | 84.5% | 75.7% | 74.8% | — |
| Return on assets (ROA) | 0.7% | 0.6% | 0.8% | 1.0% | 1.1% | 1.3% | 1.3% | 0.9% | 1.2% | 1.3% |
| Return on tangible assets | 0.7% | 0.6% | 5.7% | 0.9% | 1.1% | 1.2% | 1.2% | 0.9% | 1.1% | 1.2% |
| Free cash flow margin | 18.3% | 14.2% | 10.8% | 53.4% | 49.2% | −15.3% | 11.6% | 32.9% | 20.5% | 15.7% |
| Income quality (OCF / net income) | 1.55 | 1.39 | 0.82 | 2.30 | 2.22 | −0.55 | 1.11 | 2.37 | 1.17 | 0.90 |
| Financial health | ||||||||||
| Total debt | $302.8M | $276.0M | $81.9M | $66.4M | $16.3M | $7.2M | $47.2M | $27.8M | $32.9M | $32.7M |
| Cash & short-term investments | $12.3M | $188.9M | $283.5M | $271.2M | $285.7M | $123.9M | $99.4M | $86.8M | $78.6M | $79.3M |
| Net debt | $290.5M | $87.1M | −$201.6M | −$204.8M | −$269.4M | −$116.7M | −$52.2M | −$58.9M | −$45.7M | −$46.6M |
| Debt / equity | 3.74 | 4.15 | 1.25 | 1.20 | 0.19 | 0.09 | 0.66 | 0.43 | 0.56 | 0.58 |
| Debt / assets | 0.19 | 0.18 | 0.06 | 0.05 | 0.01 | 0.01 | 0.05 | 0.03 | 0.04 | 0.05 |
| Net debt / EBITDA | 21.27 | 8.12 | −13.89 | −12.01 | −15.21 | −6.75 | −3.67 | −6.06 | −3.40 | −3.72 |
| Current ratio | 0.05 | 0.16 | 0.22 | 20.77 | 33.59 | 0.12 | 0.13 | 0.13 | 13.62 | 17.25 |
| Quick ratio | 0.05 | 0.16 | 0.22 | 20.77 | 42.03 | 0.26 | 0.21 | 0.16 | 20.11 | 25.60 |
| Interest coverage | 0.4 | 0.3 | 0.7 | 3.4 | 4.4 | 3.0 | 2.2 | 2.3 | 5.3 | 5.4 |
| Working capital | −$214.6M | −$980.0M | −$1.02B | $258.1M | $318.3M | −$881.6M | −$654.5M | −$623.5M | $98.1M | $99.3M |
| Invested capital | $371.4M | $153.5M | −$135.8M | −$149.6M | −$185.0M | −$35.8M | $19.6M | $5.6M | $13.1M | $9.5M |
| Tangible asset value | $80.9M | $64.8M | −$1.21B | $53.2M | $81.8M | $76.4M | $67.4M | $61.9M | $56.0M | $53.1M |
| Net current asset value | −$1.52B | −$1.27B | −$1.12B | −$1.01B | −$792.9M | −$888.8M | −$701.7M | −$651.3M | −$581.1M | −$529.9M |
| Graham number | $31.08 | $25.14 | $28.46 | $27.73 | $35.06 | $33.97 | $29.28 | $22.63 | $23.66 | $23.26 |
| Graham net-net per share | −$333.29 | −$279.52 | −$247.27 | −$214.14 | −$187.34 | −$207.22 | −$157.71 | −$148.50 | −$137.14 | −$126.11 |
| Capital allocation | ||||||||||
| Dividends paid | $6.5M | $6.4M | $6.4M | $6.2M | $5.9M | $5.7M | $5.5M | $5.3M | $5.2M | $4.9M |
| Share buybacks (net) | — | $0 | $130,000 | $79,000 | $2,000 | $0 | $13,000 | $107,000 | $60,000 | $6,000 |
| Dividend payout ratio | 58.4% | 73.6% | 57.0% | 49.4% | 44.6% | 44.4% | 51.7% | 75.3% | 61.0% | 58.0% |
| Dividends + buybacks / free cash flow | 40.6% | 58.2% | 90.3% | 22.3% | 22.9% | — | 102.9% | 39.7% | 66.1% | 86.7% |
| Capex / revenue | 1.4% | 1.4% | 2.9% | 1.3% | 6.7% | 1.9% | 13.9% | 7.4% | 5.2% | 5.3% |
| Capex / operating cash flow | 7.3% | 8.8% | 21.2% | 2.3% | 12.0% | — | 54.5% | 18.3% | 20.1% | 25.4% |
| Capex / depreciation | 0.77 | 0.67 | 1.19 | 0.37 | 1.85 | 0.49 | 3.69 | 2.21 | 1.43 | 1.36 |
| Stock-based compensation / revenue | 0.6% | 0.5% | 0.6% | 0.8% | 0.6% | 0.4% | 0.4% | 0.3% | 0.3% | 0.2% |
| SG&A / revenue | 35.1% | 34.6% | 36.6% | 44.9% | 44.2% | 40.4% | 41.7% | 52.5% | 43.8% | 44.9% |
| Efficiency | ||||||||||
| Days sales outstanding | — | — | — | 344.5 | 276.7 | 243.4 | 143.4 | 131.5 | 253.4 | 252.8 |
| Days of inventory on hand | — | — | — | — | -11,365.4 | -4,969.3 | -2,454.6 | -3,429.0 | -7,540.4 | -6,069.6 |
| Days payables outstanding | — | — | — | 920.8 | 1,074.4 | 524.1 | 461.8 | 635.0 | 1,032.0 | 945.2 |
| Cash conversion cycle (days) | — | — | — | -576.3 | -12,163.2 | -5,249.9 | -2,773.0 | -3,932.4 | -8,319.0 | -6,762.0 |
| Receivables turnover | — | — | — | 1.06 | 1.32 | 1.50 | 2.54 | 2.77 | 1.44 | 1.44 |
| Payables turnover | — | — | — | 0.40 | 0.34 | 0.70 | 0.79 | 0.57 | 0.35 | 0.39 |
| Asset turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.06 |
| Average receivables | — | — | — | $50.1M | $39.6M | $35.2M | $18.2M | $15.0M | $26.7M | $25.2M |
| Average payables | — | — | — | $11.4M | $10.5M | $10.5M | $8.1M | $7.0M | $6.9M | $5.7M |
| Average inventory | — | — | — | — | −$111.0M | −$100.0M | −$42.9M | −$37.9M | −$50.7M | −$36.8M |
| Intangibles / total assets | 0.0% | 0.1% | 86.5% | 0.1% | 0.2% | 0.4% | 0.5% | 0.3% | 0.4% | 0.4% |
Computed from UNB's annual financial statements (latest annual report filed March 20, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
UNB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Union Bankshares traded at 9.8 times earnings, against a 10-year median of 13.7. Based on the latest twelve months, the trailing P/E is 8.9 and the forward P/E is 11.7. Union Bankshares earned a return on equity of 15.1% and a return on invested capital of 4.2% in fiscal 2025. It ended the year with $302.8 million of debt and $12.3 million in cash and short-term investments, net debt of $290.5 million. It returned $6.5 million to shareholders: $6.5 million in dividends and $0 in share buybacks, 41% of free cash flow.
See the UNB income statement, the UNB chart for price history, or the UNB stock overview for the latest quote and news.
UNB key metrics FAQ
What is Union Bankshares's P/E ratio?
Union Bankshares's trailing P/E ratio is 8.9 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 11.7. At the end of fiscal 2025 it was 9.8, compared with a 10-year median of 13.7.
What is Union Bankshares's EV/EBITDA?
Union Bankshares's enterprise value was 29.2 times EBITDA at the end of fiscal 2025 (enterprise value $399.0 million, EBITDA $13.7 million).
What is Union Bankshares's return on equity?
Union Bankshares's return on equity (ROE) was 15.1% in fiscal 2025: net income of $11.1 million on average shareholders' equity of $73.7 million.
What is Union Bankshares's ROIC?
Union Bankshares's return on invested capital was 4.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Union Bankshares have?
Union Bankshares had total debt of $302.8 million at the end of fiscal 2025, a debt-to-equity ratio of 3.74 and $290.5 million of net debt (21.27 times EBITDA).
What is Union Bankshares's dividend yield?
Union Bankshares's forward dividend yield is 6.26%. Union Bankshares paid $6.5 million in dividends in fiscal 2025 ($1.42 per share), a payout ratio of 58.4%.
What is Union Bankshares's free cash flow yield?
Union Bankshares generated $16.0 million of free cash flow in fiscal 2025, a free cash flow yield of 14.7% on its market value at year-end ($108.5 million).
What is Union Bankshares's current ratio?
Union Bankshares's current ratio was 0.05 at the end of fiscal 2025: current assets were 0.05 times current liabilities.