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Discontinued — last reported Q4 '25

Total debt at other companies

National Bankshares logo
National BanksharesNKSH
$1.91M+34.6%
Citizens & Northern logo
Citizens & NorthernCZNC
$13.59M+2,280%
West Bancorporation logo
West BancorporationWTBA
$25M-39.7%
Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
$305.64M-30.6%
M&T Bank logo
M&T BankMTB
KeyCorp logo
KeyCorpKEY

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 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
FCF margin26.8%-0.7pp

Returns & leverage

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

Where this comes from

Computed from long term debt + current portion long term debt + short term borrowings + operating lease liabilities + finance lease liabilities + financing obligations: $2.39M.

The official record: Union Bankshares’s 10-K, filed March 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Union Bankshares's total debt?
Union Bankshares (UNB) reported total debt of $2.39M in Q4 2025.
How has Union Bankshares's total debt changed year-over-year?
Union Bankshares's total debt decreased by 4.0% year-over-year, from $2.48M to $2.39M.
What is the long-term trend for Union Bankshares's total debt?
Over 5 years (2020 to 2025), Union Bankshares's total debt has grown at a -23.2% compound annual growth rate (CAGR), from $8.95M to $2.39M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.