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Union Bankshares UNB Free cash flow margin

Free cash flow margin at other companies

M&T Bank logo
M&T BankMTB
32.2%-5.2pp
KeyCorp logo
KeyCorpKEY
28.4%
National Bankshares logo
National BanksharesNKSH
28.6%+19.7pp
Citizens & Northern logo
Citizens & NorthernCZNC
28.3%+3.5pp
West Bancorporation logo
West BancorporationWTBA
47.7%+16.5pp
Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
21.7%-7.8pp

Other financials

Income statement

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Revenue$13.8M+8.5%
Net income$3.0M+20.1%
EPS (diluted)$0.65+18.2%

Balance sheet

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Cash & equivalents$29.8M+118%
Total debt$2.4M-4.0%
Total equity$80.6M+15.0%
Total assets$1.6B+6.6%

Cash flow

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Operating cash flow$2.6M-35.2%
CapEx$180.0K+25.9%
Free cash flow$2.5M-37.5%

Valuation

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Market cap$111.94M-5.3%
P/E9.7×-3.2×
P/S-0.3×

Profitability

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Net margin20.8%+2.9pp

Returns & leverage

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Return on equity15.4%+2.2pp
Debt / equity0.0×

Where this comes from

Calculated from Union Bankshares’s reported figures.

Based on trailing twelve months.

The official record: Union Bankshares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Union Bankshares's free cash flow margin?
Union Bankshares (UNB) reported free cash flow margin of 26.8% in Q1 2026.
How has Union Bankshares's free cash flow margin changed year-over-year?
Union Bankshares's free cash flow margin decreased by 2.5% year-over-year, from 27.5% to 26.8%.
What is the long-term trend for Union Bankshares's free cash flow margin?
Over 4 years (2021 to 2025), Union Bankshares's free cash flow margin has grown at a -13.2% compound annual growth rate (CAGR), from 52.8% to 30%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.