Union Bankshares (UNB) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Union Bankshares had a P/E ratio of 9.81 (down from 14.93), return on equity of 15.0% (up from 13.3%), debt-to-equity of 3.77 (down from 4.19) and return on assets of 0.7% (up from 0.6%). Its dividend yield was 6.11% with a payout ratio of 58.5%.

Union Bankshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.81	14.93	12.27	8.56	10.16	8.99
P/S Ratio	2.03	2.78	2.86	2.21	2.75	2.53
P/B Ratio	1.34	1.97	2.10	1.96	1.59	1.42
Price/Tangible Book	1.34	1.97	2.10	1.96	1.59	1.42
Price/FCF	6.81	11.80	19.07	3.81	5.21	-
Price/OCF	6.31	10.77	15.03	3.72	4.58	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	15.04%	13.25%	18.60%	18.08%	15.94%	16.77%
Return on Assets (ROA)	0.70%	0.59%	0.80%	0.99%	1.15%	1.30%
Leverage & Solvency Ratios
Debt/Equity	3.77	4.19	1.28	1.24	0.21	0.11
Debt/FCF	19.11	25.13	11.67	2.41	0.69	-
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	10.19%	6.70%	8.15%	11.68%	9.84%	11.13%
FCF Yield	14.69%	8.47%	5.24%	26.26%	19.20%	-7.01%
Dividend Yield	6.11%	5.00%	4.71%	5.84%	4.43%	6.49%
Payout Ratio	58.49%	73.55%	56.99%	49.43%	44.62%	44.43%
Buyback Yield	-0.83%	-0.37%	-0.51%	-0.12%	-0.35%	-0.27%
Total Return	5.28%	4.63%	4.20%	5.73%	4.08%	6.22%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Union Bankshares Financial Ratios

What is Union Bankshares's P/E ratio?

Union Bankshares's P/E ratio was 9.81 for fiscal 2025 (period ended Dec 31, 2025). It was 14.93 a year earlier.

What is Union Bankshares's return on equity?

Union Bankshares's return on equity (ROE) was 15.0% for fiscal 2025 (period ended Dec 31, 2025). It was 13.3% a year earlier.

What is Union Bankshares's debt-to-equity ratio?

Union Bankshares's debt-to-equity ratio was 3.77 for fiscal 2025 (period ended Dec 31, 2025). It was 4.19 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition