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Union Bankshares (UNB) Ratios
Union Bankshares Ratios
UNB's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, UNB's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.05 | 0.16 | 0.22 | 0.22 | 0.26 |
| Quick Ratio | 0.05 | 0.16 | 0.22 | 0.22 | 0.26 |
| Cash Ratio | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.08 | 0.01 | 0.01 | 0.02 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -1.52B | $ -1.27B | $ -1.12B | $ -1.01B | $ -835.36M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.19 | 0.18 | 0.06 | 0.05 | 0.01 |
| Debt-to-Equity Ratio | 3.74 | 4.15 | 1.25 | 1.20 | 0.19 |
| Debt-to-Capital Ratio | 0.79 | 0.81 | 0.55 | 0.55 | 0.16 |
| Long-Term Debt-to-Capital Ratio | 0.79 | 0.81 | 0.55 | 0.55 | 0.16 |
| Financial Leverage Ratio | 20.00 | 22.99 | 22.36 | 24.20 | 14.29 |
| Debt Service Coverage Ratio | 0.39 | 0.35 | 0.67 | 3.19 | 4.23 |
| Interest Coverage Ratio | 0.37 | 0.31 | 0.67 | 3.37 | 4.44 |
| Debt to Market Cap | 2.79 | 2.11 | 0.59 | 0.61 | 0.12 |
| Interest Debt Per Share | 73.39 | 67.55 | 22.47 | 15.73 | 4.40 |
| Net Debt to EBITDA | 21.83 | 24.37 | 4.33 | 2.66 | -0.10 |
| Profitability Margins | |||||
| Gross Profit Margin | 61.54% | 60.84% | 72.10% | 91.48% | 93.18% |
| EBIT Margin | 13.78% | 11.71% | 19.14% | 28.73% | 30.28% |
| EBITDA Margin | 15.64% | 13.76% | 21.58% | 32.12% | 33.91% |
| Operating Profit Margin | 13.78% | 11.71% | 19.14% | 28.73% | 30.28% |
| Pretax Profit Margin | 13.78% | 11.71% | 19.14% | 28.73% | 30.28% |
| Net Profit Margin | 12.71% | 11.24% | 16.73% | 23.77% | 25.21% |
| Continuous Operations Profit Margin | 12.71% | 11.24% | 16.73% | 23.77% | 25.21% |
| Net Income Per EBT | 92.28% | 95.96% | 87.42% | 82.74% | 83.27% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.69% | 0.57% | 0.77% | 0.94% | 1.09% |
| Return on Equity (ROE) | 13.72% | 13.18% | 17.11% | 22.84% | 15.62% |
| Return on Capital Employed (ROCE) | 0.87% | 2.54% | 7.78% | 12.56% | 15.74% |
| Return on Invested Capital (ROIC) | 0.80% | 2.44% | 6.89% | 10.39% | 13.10% |
| Return on Tangible Assets | 0.69% | 0.57% | 0.77% | 0.95% | 1.09% |
| Earnings Yield | 10.23% | 6.70% | 8.16% | 11.69% | 9.85% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.34 | 0.36 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.40 | 3.85 | 2.90 | 2.59 | 2.42 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.15 | -0.08 | -0.07 | -0.06 | -0.06 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | -1061.11 | -1001.22 |
| Days of Sales Outstanding | 0.00 | 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 | 1061.11 | 1001.22 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.77 | 2.69 | 2.04 | 6.46 | 6.51 |
| Free Cash Flow Per Share | 3.49 | 2.45 | 1.61 | 6.31 | 5.73 |
| Dividend Paid and CapEx Coverage Ratio | 2.23 | 1.62 | 1.10 | 4.21 | 3.11 |
| Capital Expenditure Coverage Ratio | 13.75 | 11.35 | 4.72 | 43.66 | 8.32 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.04 | 0.11 | 0.44 | 1.81 |
| Operating Cash Flow to Sales Ratio | 0.20 | 0.16 | 0.14 | 0.55 | 0.56 |
| Free Cash Flow Yield | 14.72% | 8.47% | 5.25% | 26.28% | 19.20% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.77 | 14.90 | 12.26 | 8.56 | 10.16 |
| Price-to-Sales (P/S) Ratio | 1.24 | 1.68 | 2.05 | 2.03 | 2.56 |
| Price-to-Book (P/B) Ratio | 1.34 | 1.97 | 2.10 | 1.95 | 1.59 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.79 | 11.80 | 19.05 | 3.81 | 5.21 |
| Price-to-Operating Cash Flow Ratio | 6.30 | 10.76 | 15.02 | 3.72 | 4.58 |
| Price-to-Earnings Growth (PEG) Ratio | 0.39 | -0.67 | -1.11 | -1.94 | 3.63 |
| Enterprise Value Multiple | 29.78 | 36.57 | 13.84 | 8.99 | 7.46 |
| Enterprise Value | 406.64M | 392.10M | 200.83M | 153.23M | 132.07M |
| EV to EBITDA | 29.78 | 36.57 | 13.84 | 8.99 | 7.46 |
| EV to Sales | 4.66 | 5.03 | 2.99 | 2.89 | 2.53 |
| EV to Free Cash Flow | 25.46 | 35.39 | 27.72 | 5.40 | 5.14 |
| EV to Operating Cash Flow | 23.61 | 32.27 | 21.85 | 5.28 | 4.52 |
| Tangible Book Value Per Share | 17.68 | 14.32 | 14.24 | 11.84 | 18.25 |
| Shareholders’ Equity Per Share | 17.68 | 14.70 | 14.61 | 12.28 | 18.81 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.08 | 0.04 | 0.13 | 0.17 | 0.17 |
| Revenue Per Share | 19.09 | 17.23 | 14.94 | 11.80 | 11.65 |
| Net Income Per Share | 2.43 | 1.94 | 2.50 | 2.81 | 2.94 |
| Tax Burden | 0.92 | 0.96 | 0.87 | 0.83 | 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 | 0.35 | 0.34 | 0.36 | 0.44 | 0.43 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.55 | 1.39 | 0.82 | 2.30 | 2.22 |
Currency in USD