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Union Bankshares Inc (UNB)
NASDAQ:UNB
US Market

Union Bankshares (UNB) Ratios

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Union Bankshares Ratios

UNB's free cash flow for Q3 2025 was $0.63. For the 2025 fiscal year, UNB's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.15 0.16 0.22 20.77 33.59
Quick Ratio
0.15 0.16 0.22 20.77 42.03
Cash Ratio
0.01 0.01 0.01 1.60 1.83
Solvency Ratio
<0.01 <0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
0.02 0.01 <0.01 2.22 2.99
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.32B$ -1.27B$ -1.12B$ -1.01B$ -835.36M
Leverage Ratios
Debt-to-Assets Ratio
0.18 0.18 0.06 0.05 0.01
Debt-to-Equity Ratio
3.70 4.15 1.25 1.20 0.19
Debt-to-Capital Ratio
0.79 0.81 0.55 0.55 0.16
Long-Term Debt-to-Capital Ratio
0.79 0.81 0.55 0.55 0.16
Financial Leverage Ratio
20.26 22.99 22.32 24.20 14.29
Debt Service Coverage Ratio
0.38 0.35 0.67 3.19 4.23
Interest Coverage Ratio
0.37 0.31 0.67 4.51 4.44
Debt to Market Cap
2.52 2.11 0.59 0.61 0.12
Interest Debt Per Share
69.97 67.55 22.47 15.73 4.40
Net Debt to EBITDA
20.68 24.37 4.33 2.66 -0.10
Profitability Margins
Gross Profit Margin
61.43%60.84%71.61%100.00%100.00%
EBIT Margin
13.82%11.71%19.48%31.49%-3.90%
EBITDA Margin
15.21%13.76%21.96%35.22%36.39%
Operating Profit Margin
13.82%11.71%19.48%42.14%32.50%
Pretax Profit Margin
13.82%11.71%19.48%31.49%32.50%
Net Profit Margin
12.75%11.24%17.03%26.06%27.06%
Continuous Operations Profit Margin
12.75%11.24%17.03%26.06%27.06%
Net Income Per EBT
92.28%95.96%87.42%82.74%83.27%
EBT Per EBIT
100.00%100.00%100.00%74.74%100.00%
Return on Assets (ROA)
0.71%0.57%0.77%0.94%1.09%
Return on Equity (ROE)
15.55%13.18%17.11%22.84%15.62%
Return on Capital Employed (ROCE)
3.13%2.54%7.78%12.56%15.74%
Return on Invested Capital (ROIC)
2.89%2.44%6.89%10.39%13.10%
Return on Tangible Assets
0.71%0.57%0.77%0.95%1.09%
Earnings Yield
9.76%6.70%8.16%11.69%9.85%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
4.36 3.85 3.18 2.36 2.25
Asset Turnover
0.06 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
-0.09 -0.08 -0.07 0.17 0.21
Cash Conversion Cycle
0.00 0.00 0.00 -1.06K -1.00K
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 1.06K 1.00K
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
4.33 2.69 2.04 6.46 6.51
Free Cash Flow Per Share
4.09 2.45 1.61 6.31 5.73
CapEx Per Share
0.24 0.24 0.43 0.15 0.78
Free Cash Flow to Operating Cash Flow
0.94 0.91 0.79 0.98 0.88
Dividend Paid and CapEx Coverage Ratio
2.62 1.62 1.10 4.21 3.11
Capital Expenditure Coverage Ratio
17.92 11.35 4.72 43.66 8.32
Operating Cash Flow Coverage Ratio
0.07 0.04 0.11 0.44 1.81
Operating Cash Flow to Sales Ratio
0.23 0.16 0.14 0.60 0.60
Free Cash Flow Yield
16.42%8.47%5.25%26.28%19.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.24 14.93 12.26 8.56 10.16
Price-to-Sales (P/S) Ratio
1.31 1.68 2.09 2.23 2.75
Price-to-Book (P/B) Ratio
1.46 1.97 2.10 1.95 1.59
Price-to-Free Cash Flow (P/FCF) Ratio
6.09 11.80 19.05 3.81 5.21
Price-to-Operating Cash Flow Ratio
5.74 10.76 15.02 3.72 4.58
Price-to-Earnings Growth (PEG) Ratio
-3.66 -0.67 -1.11 -1.94 3.63
Price-to-Fair Value
1.46 1.97 2.10 1.95 1.59
Enterprise Value Multiple
29.29 36.57 13.84 8.99 7.46
Enterprise Value
387.68M 392.10M 200.83M 153.23M 132.07M
EV to EBITDA
29.29 36.57 13.84 8.99 7.46
EV to Sales
4.45 5.03 2.99 2.89 2.53
EV to Free Cash Flow
20.72 35.39 27.72 5.40 5.14
EV to Operating Cash Flow
19.56 32.27 21.85 5.28 4.52
Tangible Book Value Per Share
16.99 14.32 14.24 11.84 18.25
Shareholders’ Equity Per Share
16.99 14.70 14.61 12.28 18.81
Tax and Other Ratios
Effective Tax Rate
0.08 0.04 0.13 0.17 0.17
Revenue Per Share
19.03 17.23 14.68 10.77 10.85
Net Income Per Share
2.43 1.94 2.50 2.81 2.94
Tax Burden
0.92 0.96 0.87 0.83 0.83
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.24 0.34 0.36 0.44 0.43
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
1.75 1.39 0.82 2.30 2.22
Currency in USD