Union Bankshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Union Bankshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
- Growth Efficiency Ratio: Sales grew 11% in 3 years, but profit fell: $29 less profit per $100 of extra sales. Lower than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
−$29Sales grew 11% in 3 years, but profit fell: $29 less profit per $100 of extra sales.
Lower than 88% of Financial Services companies in United States.
Asset Productivity Ratio
+11% / +21%In 3 years sales changed by +11% while total assets changed by +21%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Union Bankshares, Inc. owes $0.94 for every $1 it owns. Net profit rose 26% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
8.8Investors pay $8.8 for every $1 of Union Bankshares, Inc.'s yearly profit, lower than 84% of Financial Services companies in United States.
P/B ratio
1.25The share price is 1.25 times Union Bankshares, Inc.'s book value per share, lower than 54% of Financial Services companies in United States.
Market cap
$113 MThe total market value of all of Union Bankshares, Inc.'s shares at today's price (share price × number of shares), smaller than 89% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$90 MWhat Union Bankshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$18.28Net worth divided by the number of shares. The share price of $22.82 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
15.0%Union Bankshares, Inc. earned 15.0% on its shareholders' money over the last year, higher than 75% of Financial Services companies in United States.
Owes vs Owns
0.94×Union Bankshares, Inc. owes $0.94 for every $1 it owns (high), higher than 94% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
6.27%Union Bankshares, Inc. pays 6.27% of its share price as dividends a year, higher than 80% of dividend-paying Financial Services companies in United States.
Revenue growth
+14%Revenue rose 14% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+26%Net profit rose 26% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Profit margin
20.8%Union Bankshares, Inc. keeps $21 of every $100 of revenue as net profit.
Questions
What is Union Bankshares, Inc.'s P/E ratio?
Investors pay $8.8 for every $1 of Union Bankshares, Inc.'s yearly profit, lower than 84% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Union Bankshares, Inc.: $113 M ÷ $90 M (30 Jun 2026) = 1.2.
What is Union Bankshares, Inc.'s return on equity?
Union Bankshares, Inc. earned 15.0% on its shareholders' money over the last year, higher than 75% of Financial Services companies in United States.
How much does Union Bankshares, Inc. owe compared with what it owns?
Union Bankshares, Inc. owes $0.94 for every $1 it owns (high), higher than 94% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Union Bankshares, Inc. pay a dividend?
Yes. Union Bankshares, Inc. pays 6.27% of its share price as dividends a year, higher than 80% of dividend-paying Financial Services companies in United States.
Is Union Bankshares, Inc.'s revenue growing?
Revenue rose 14% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.