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Union Bankshares UNB Q4 2025 Annual earnings

Reported February 5, 2026 · Before market open

Revenue$22.5M
EPS$0.60

Next report

Oct 21, 2026 (in 3 months)
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Financials

Q4 2025

Income statement

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Revenue$14.1M+6.3%
Net income$2.7M-8.4%
EPS (diluted)$0.59-9.2%

Balance sheet

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Cash & equivalents$12.3M-22.3%
Total debt$2.4M-4.0%
Total equity$80.9M+21.6%
Total assets$1.6B+5.8%

Cash flow

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Operating cash flow$3.2M-45.0%
CapEx$286.0K+106%
Free cash flow$2.9M-48.7%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$108.74M-16.9%
Enterprise value$98.83M-15.9%
P/E9.8×-5.1×
P/S2×-0.7×

Profitability

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Net margin20.3%+2.1pp
FCF margin30%+7.0pp

Returns & leverage

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Return on equity15%+1.8pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q1 2026$22.0M
Q4 2025$22.5M
Q3 2025$22.5MQ2 2025$13.0MQ1 2025$20.7MQ4 2024$12.9M

Diluted EPS

Q1 2026$0.65
Q4 2025$0.60
Q3 2025$0.75Q2 2025$0.53Q1 2025$0.55Q4 2024$0.67

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Questions, answered.

When did Union Bankshares report Q4 2025 earnings?
Union Bankshares (UNB) reported Q4 2025 earnings on February 5, 2026 before market open.
What were Union Bankshares's Q4 2025 revenue and EPS?
Union Bankshares reported revenue of $22.5M and eps of $0.60 for Q4 2025.
How did Union Bankshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 74.9% from $12.9M a year earlier and eps declined 10.4% from $0.67.
Where can I find Union Bankshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000706863-26-000006) and the 10-K periodic report (0000706863-26-000029) directly on SEC EDGAR. The filing index links above go to sec.gov.