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Union Bankshares Inc (UNB)
NASDAQ:UNB
US Market
UNB
Union Bankshares
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Union Bankshares (UNB) Ratios

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Union Bankshares Ratios

UNB's free cash flow for Q2 2026 was $0.63. For the 2026 fiscal year, UNB's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.31 0.05 0.16 0.22 0.22
Quick Ratio
 0.31 0.05 0.16 0.22 0.22
Cash Ratio
 0.31 0.02 0.01 0.01 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 -0.90 0.08 0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 -0.90 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.46B$ -1.52B$ -1.27B$ -1.12B$ -1.01B
Leverage Ratios
Debt-to-Assets Ratio
 0.23 0.19 0.18 0.06 0.05
Debt-to-Equity Ratio
 3.91 3.74 4.15 1.25 1.20
Debt-to-Capital Ratio
 0.80 0.79 0.81 0.55 0.55
Long-Term Debt-to-Capital Ratio
 0.79 0.79 0.81 0.55 0.55
Financial Leverage Ratio
 17.24 20.00 22.99 22.36 24.20
Debt Service Coverage Ratio
 0.25 0.39 0.35 0.67 3.19
Interest Coverage Ratio
 0.41 0.37 0.31 0.67 3.37
Debt to Market Cap
 3.34 2.79 2.11 0.59 0.61
Interest Debt Per Share
 80.64 73.39 67.55 22.47 15.73
Net Debt to EBITDA
 23.55 21.83 24.37 4.33 2.66
Profitability Margins
Gross Profit Margin
63.14%61.54%60.84%72.10%91.48%
EBIT Margin
14.86%13.78%11.71%19.14%28.73%
EBITDA Margin
16.30%15.64%13.76%21.58%32.12%
Operating Profit Margin
14.86%13.78%11.71%19.14%28.73%
Pretax Profit Margin
14.86%13.78%11.71%19.14%28.73%
Net Profit Margin
13.42%12.71%11.24%16.73%23.77%
Continuous Operations Profit Margin
13.42%12.71%11.24%16.73%23.77%
Net Income Per EBT
90.28%92.28%95.96%87.42%82.74%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.78%0.69%0.57%0.77%0.94%
Return on Equity (ROE)
14.72%13.72%13.18%17.11%22.84%
Return on Capital Employed (ROCE)
0.87%0.87%2.54%7.78%12.56%
Return on Invested Capital (ROIC)
0.78%0.80%2.44%6.89%10.39%
Return on Tangible Assets
0.78%0.69%0.57%0.77%0.95%
Earnings Yield
11.04%10.23%6.70%8.16%11.69%
Efficiency Ratios
Receivables Turnover
 15.97 0.00 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.34
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.51 4.40 3.85 2.90 2.59
Asset Turnover
 0.06 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -4.26 -0.15 -0.08 -0.07 -0.06
Cash Conversion Cycle
 22.85 0.00 0.00 0.00 -1.06K
Days of Sales Outstanding
 22.85 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 1.06K
Operating Cycle
 22.85 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 -3.94 3.77 2.69 2.04 6.46
Free Cash Flow Per Share
 -4.27 3.49 2.45 1.61 6.31
CapEx Per Share
 0.32 0.27 0.24 0.43 0.15
Free Cash Flow to Operating Cash Flow
 1.08 0.93 0.91 0.79 0.98
Dividend Paid and CapEx Coverage Ratio
 -2.34 2.23 1.62 1.10 4.21
Capital Expenditure Coverage Ratio
 -12.27 13.75 11.35 4.72 43.66
Operating Cash Flow Coverage Ratio
 -0.05 0.06 0.04 0.11 0.44
Operating Cash Flow to Sales Ratio
 -0.21 0.20 0.16 0.14 0.55
Free Cash Flow Yield
-19.35%14.72%8.47%5.25%26.28%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.77 9.77 14.90 12.26 8.56
Price-to-Sales (P/S) Ratio
 1.17 1.24 1.68 2.05 2.03
Price-to-Book (P/B) Ratio
 1.21 1.34 1.97 2.10 1.95
Price-to-Free Cash Flow (P/FCF) Ratio
 -5.17 6.79 11.80 19.05 3.81
Price-to-Operating Cash Flow Ratio
 -5.81 6.30 10.76 15.02 3.72
Price-to-Earnings Growth (PEG) Ratio
 0.31 0.39 -0.67 -1.11 -1.94
Enterprise Value Multiple
 30.72 29.78 36.57 13.84 8.99
Enterprise Value
 452.54M 406.64M 392.10M 200.83M 153.23M
EV to EBITDA
 30.72 29.78 36.57 13.84 8.99
EV to Sales
 5.01 4.66 5.03 2.99 2.89
EV to Free Cash Flow
 -22.13 25.46 35.39 27.72 5.40
EV to Operating Cash Flow
 -23.94 23.61 32.27 21.85 5.28
Tangible Book Value Per Share
 18.86 17.68 14.32 14.24 11.84
Shareholders’ Equity Per Share
 18.86 17.68 14.70 14.61 12.28
Tax and Other Ratios
Effective Tax Rate
 0.10 0.08 0.04 0.13 0.17
Revenue Per Share
 18.85 19.09 17.23 14.94 11.80
Net Income Per Share
 2.53 2.43 1.94 2.50 2.81
Tax Burden
 0.90 0.92 0.96 0.87 0.83
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.28 0.35 0.34 0.36 0.44
Stock-Based Compensation to Revenue
 >-0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 -1.56 1.55 1.39 0.82 2.30
Currency in USD