Union Bankshares Net Income
| UNB Stock | USD 24.94 0.51 2.09% |
As of the 14th of February 2026, Union Bankshares has the Risk Adjusted Performance of 0.0676, semi deviation of 1.74, and Coefficient Of Variation of 1306.04. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Union Bankshares, as well as the relationship between them.
Union Bankshares Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 7.6063 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 10.1 M | 8 M | |
| Net Income Applicable To Common Shares | 14.5 M | 8 M | |
| Net Income From Continuing Ops | 10.1 M | 10.1 M | |
| Net Income Per Share | 2.43 | 1.32 | |
| Net Income Per E B T | 0.92 | 0.62 |
Union | Net Income | Build AI portfolio with Union Stock |
Analyzing Union Bankshares's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Union Bankshares's current valuation and future prospects.
Latest Union Bankshares' Net Income Growth Pattern
Below is the plot of the Net Income of Union Bankshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Union Bankshares financial statement analysis. It represents the amount of money remaining after all of Union Bankshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Union Bankshares' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Union Bankshares' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 8.76 M | 10 Years Trend |
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Net Income |
| Timeline |
Union Net Income Regression Statistics
| Arithmetic Mean | 8,933,783 | |
| Geometric Mean | 8,568,906 | |
| Coefficient Of Variation | 28.98 | |
| Mean Deviation | 2,116,506 | |
| Median | 8,449,000 | |
| Standard Deviation | 2,589,164 | |
| Sample Variance | 6.7T | |
| Range | 8.6M | |
| R-Value | 0.71 | |
| Mean Square Error | 3.5T | |
| R-Squared | 0.50 | |
| Significance | 0 | |
| Slope | 364,059 | |
| Total Sum of Squares | 107.3T |
Union Net Income History
Other Fundumenentals of Union Bankshares
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Union Bankshares Net Income component correlations
Union Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Union Bankshares is extremely important. It helps to project a fair market value of Union Stock properly, considering its historical fundamentals such as Net Income. Since Union Bankshares' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Union Bankshares' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Union Bankshares' interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Union Bankshares. If investors know Union will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Union Bankshares assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.09) | Dividend Share 1.44 | Earnings Share 2.43 | Revenue Per Share | Quarterly Revenue Growth 0.091 |
Understanding Union Bankshares requires distinguishing between market price and book value, where the latter reflects Union's accounting equity. The concept of intrinsic value - what Union Bankshares' is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Market sentiment, economic cycles, and investor behavior can push Union Bankshares' price substantially above or below its fundamental value.
Please note, there is a significant difference between Union Bankshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Union Bankshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, Union Bankshares' trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Union Bankshares 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Union Bankshares' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Union Bankshares.
| 11/16/2025 |
| 02/14/2026 |
If you would invest 0.00 in Union Bankshares on November 16, 2025 and sell it all today you would earn a total of 0.00 from holding Union Bankshares or generate 0.0% return on investment in Union Bankshares over 90 days. Union Bankshares is related to or competes with Magyar Bancorp, Sound Financial, First Guaranty, SB Financial, Riverview Bancorp, Affinity Bancshares, and Lake Shore. Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municip... More
Union Bankshares Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Union Bankshares' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Union Bankshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.87 | |||
| Information Ratio | 0.0401 | |||
| Maximum Drawdown | 11.8 | |||
| Value At Risk | (2.54) | |||
| Potential Upside | 2.71 |
Union Bankshares Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Union Bankshares' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Union Bankshares' standard deviation. In reality, there are many statistical measures that can use Union Bankshares historical prices to predict the future Union Bankshares' volatility.| Risk Adjusted Performance | 0.0676 | |||
| Jensen Alpha | 0.1197 | |||
| Total Risk Alpha | (0.01) | |||
| Sortino Ratio | 0.041 | |||
| Treynor Ratio | 0.4816 |
Union Bankshares February 14, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0676 | |||
| Market Risk Adjusted Performance | 0.4916 | |||
| Mean Deviation | 1.31 | |||
| Semi Deviation | 1.74 | |||
| Downside Deviation | 1.87 | |||
| Coefficient Of Variation | 1306.04 | |||
| Standard Deviation | 1.92 | |||
| Variance | 3.67 | |||
| Information Ratio | 0.0401 | |||
| Jensen Alpha | 0.1197 | |||
| Total Risk Alpha | (0.01) | |||
| Sortino Ratio | 0.041 | |||
| Treynor Ratio | 0.4816 | |||
| Maximum Drawdown | 11.8 | |||
| Value At Risk | (2.54) | |||
| Potential Upside | 2.71 | |||
| Downside Variance | 3.5 | |||
| Semi Variance | 3.02 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.4277 | |||
| Kurtosis | 4.44 |
Union Bankshares Backtested Returns
Union Bankshares appears to be very steady, given 3 months investment horizon. Union Bankshares owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.15, which indicates the firm had a 0.15 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Union Bankshares, which you can use to evaluate the volatility of the company. Please review Union Bankshares' Semi Deviation of 1.74, coefficient of variation of 1306.04, and Risk Adjusted Performance of 0.0676 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Union Bankshares holds a performance score of 11. The entity has a beta of 0.28, which indicates not very significant fluctuations relative to the market. As returns on the market increase, Union Bankshares' returns are expected to increase less than the market. However, during the bear market, the loss of holding Union Bankshares is expected to be smaller as well. Please check Union Bankshares' sortino ratio, skewness, price action indicator, as well as the relationship between the potential upside and rate of daily change , to make a quick decision on whether Union Bankshares' existing price patterns will revert.
Auto-correlation | 0.75 |
Good predictability
Union Bankshares has good predictability. Overlapping area represents the amount of predictability between Union Bankshares time series from 16th of November 2025 to 31st of December 2025 and 31st of December 2025 to 14th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Union Bankshares price movement. The serial correlation of 0.75 indicates that around 75.0% of current Union Bankshares price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.75 | |
| Spearman Rank Test | 0.58 | |
| Residual Average | 0.0 | |
| Price Variance | 0.27 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Union Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Union Bankshares reported net income of 8.76 M. This is 99.31% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 98.47% higher than that of the company.
Union Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Union Bankshares' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Union Bankshares could also be used in its relative valuation, which is a method of valuing Union Bankshares by comparing valuation metrics of similar companies.Union Bankshares is currently under evaluation in net income category among its peers.
Union Bankshares Current Valuation Drivers
We derive many important indicators used in calculating different scores of Union Bankshares from analyzing Union Bankshares' financial statements. These drivers represent accounts that assess Union Bankshares' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Union Bankshares' important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 115.0M | 133.8M | 108.0M | 130.8M | 108.5M | 91.0M | |
| Enterprise Value | 104.1M | 132.1M | 153.2M | 392.1M | 352.9M | 370.5M |
Union Bankshares ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Union Bankshares' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Union Bankshares' managers, analysts, and investors.Environmental | Governance | Social |
Union Bankshares Institutional Holders
Institutional Holdings refers to the ownership stake in Union Bankshares that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Union Bankshares' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Union Bankshares' value.| Shares | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 18.1 K | Renaissance Technologies Corp | 2025-06-30 | 17.2 K | Charles Schwab Investment Management Inc | 2025-06-30 | 11.3 K | Commonwealth Equity Services Inc | 2025-06-30 | 8.5 K | Barclays Plc | 2025-06-30 | 7 K | Bank Of America Corp | 2025-06-30 | 5.9 K | New York State Common Retirement Fund | 2025-06-30 | 3.9 K | Rhumbline Advisers | 2025-06-30 | 3.8 K | Wells Fargo & Co | 2025-06-30 | 2.7 K | Fmr Inc | 2025-06-30 | 280.2 K | Vanguard Group Inc | 2025-06-30 | 184.6 K |
Union Fundamentals
| Return On Equity | 0.15 | ||||
| Return On Asset | 0.007 | ||||
| Profit Margin | 0.21 % | ||||
| Operating Margin | 0.21 % | ||||
| Current Valuation | 395.76 M | ||||
| Shares Outstanding | 4.58 M | ||||
| Shares Owned By Insiders | 20.00 % | ||||
| Shares Owned By Institutions | 24.26 % | ||||
| Number Of Shares Shorted | 84.98 K | ||||
| Price To Earning | 8.72 X | ||||
| Price To Book | 1.38 X | ||||
| Price To Sales | 2.13 X | ||||
| Revenue | 87.3 M | ||||
| Gross Profit | 53.71 M | ||||
| EBITDA | 12.03 M | ||||
| Net Income | 8.76 M | ||||
| Cash And Equivalents | 39.24 M | ||||
| Cash Per Share | 8.73 X | ||||
| Total Debt | 275.97 M | ||||
| Debt To Equity | 10.74 % | ||||
| Book Value Per Share | 17.66 X | ||||
| Cash Flow From Operations | 12.15 M | ||||
| Short Ratio | 8.26 X | ||||
| Earnings Per Share | 2.43 X | ||||
| Number Of Employees | 201 | ||||
| Beta | 0.4 | ||||
| Market Capitalization | 114.29 M | ||||
| Total Asset | 1.53 B | ||||
| Retained Earnings | 91.72 M | ||||
| Annual Yield | 0.06 % | ||||
| Five Year Return | 3.96 % | ||||
| Net Asset | 1.53 B | ||||
| Last Dividend Paid | 1.44 |
About Union Bankshares Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Union Bankshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Union Bankshares using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Union Bankshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Union Bankshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Union Bankshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Union Bankshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Union Bankshares Stock:Check out For information on how to trade Union Stock refer to our How to Trade Union Stock guide.You can also try the Odds Of Bankruptcy module to get analysis of equity chance of financial distress in the next 2 years.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Union Bankshares. If investors know Union will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Union Bankshares assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.09) | Dividend Share 1.44 | Earnings Share 2.43 | Revenue Per Share | Quarterly Revenue Growth 0.091 |
Understanding Union Bankshares requires distinguishing between market price and book value, where the latter reflects Union's accounting equity. The concept of intrinsic value - what Union Bankshares' is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Market sentiment, economic cycles, and investor behavior can push Union Bankshares' price substantially above or below its fundamental value.
Please note, there is a significant difference between Union Bankshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Union Bankshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, Union Bankshares' trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.