Union Bankshares, Inc. (UNB) Earnings History
Turnaround28 years of earnings data (1998–2025) · Recovering earnings after a multi-year decline
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Union Bankshares, Inc. (UNB) Earnings Overview
As of June 29, 2026, Union Bankshares, Inc. (UNB) reported trailing twelve-month net income of $12M, reflecting +26.6% year-over-year growth. The company earned $2.51 per diluted share over the past four quarters, with a net profit margin of 12.7%.
Looking at the long-term picture, UNB's 5-year EPS compound annual growth rate (CAGR) stands at -3.1%, signaling declining earnings. The company achieved its highest annual net income of $13M in fiscal 2021.
Union Bankshares, Inc. maintains positive profitability with a gross margin of 61.5%, operating margin of 13.8%, and net margin of 12.7%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), CNOB ($98M net income, 13.3% margin), NECB ($44M net income, 28.2% margin), UNB has room to improve margins relative to the peer group. Compare UNB vs NBTB →
UNB Earnings vs Peers
Earnings metrics vs comparable public companies
UNB Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $11M | +26.7% | $12M | $2.43 | 12.7% | 13.8% |
| 2024 | $9M | -22.2% | $9M | $1.92 | 11.2% | 11.7% |
| 2023 | $11M | -10.8% | $13M | $2.48 | 16.7% | 19.1% |
| 2022 | $13M | -4.2% | $15M | $2.79 | 23.8% | 28.7% |
| 2021 | $13M | +2.9% | $16M | $2.92 | 25.2% | 30.3% |
| 2020 | $13M | +20.3% | $15M | $2.85 | 24.3% | 28.9% |
| 2019 | $11M | +50.6% | $12M | $2.38 | 23.0% | 26.9% |
| 2018 | $7M | -16.3% | $8M | $1.58 | 17.0% | 20.0% |
| 2017 | $8M | -0.7% | $12M | $1.89 | 22.0% | 31.4% |
| 2016 | $9M | +8.0% | $11M | $1.91 | 23.4% | 30.5% |
| 2015 | $8M | +2.4% | $11M | $1.77 | 22.9% | 30.6% |
| 2014 | $8M | +7.8% | $10M | $1.73 | 23.3% | 29.3% |
| 2013 | $7M | +4.3% | $9M | $1.60 | 22.0% | 27.8% |
| 2012 | $7M | +31.1% | $9M | $1.54 | 19.5% | 24.2% |
| 2011 | $5M | -6.6% | $6M | $1.17 | 17.7% | 21.5% |
| 2010 | $6M | +6.9% | $7M | $1.25 | 19.6% | 25.6% |
| 2009 | $5M | +2.4% | $7M | $1.17 | 15.6% | 19.8% |
| 2008 | $5M | -9.7% | $6M | $1.14 | 18.2% | 21.8% |
| 2007 | $6M | -9.6% | $8M | $1.25 | 18.7% | 25.1% |
| 2006 | $6M | +0.3% | $8M | $1.38 | 21.4% | 28.8% |
| 2005 | $6M | +6.9% | $9M | $1.37 | 23.7% | 33.1% |
| 2004 | $6M | +8.3% | $8M | $1.28 | 24.4% | 34.6% |
| 2003 | $5M | +4.0% | $8M | $1.18 | 22.5% | 31.7% |
| 2002 | $5M | +7.2% | $7M | $0.76 | 20.1% | 28.2% |
| 2001 | $5M | +0.7% | $7M | $1.06 | 17.8% | 25.1% |
| 2000 | $5M | +17.8% | $7M | $1.05 | 18.0% | 24.8% |
| 1999 | $4M | -10.5% | $6M | $0.90 | 33.8% | 48.9% |
| 1998 | $5M | - | $7M | $1.01 | 36.2% | 52.6% |
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UNB — Frequently Asked Questions
Quick answers to the most common questions about buying UNB stock.
What is UNB earnings per share (EPS)?
UNB trailing twelve-month (TTM) diluted EPS is $2.51, reflecting +26.6% year-over-year growth. The 5-year EPS CAGR is -3.1%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is Union Bankshares, Inc.'s net income?
Union Bankshares, Inc. (UNB) trailing twelve-month net income is $12M as of 2025. Earnings grew +26.6% year-over-year. Union Bankshares, Inc. has been profitable for 28 consecutive years.
Is UNB profitable?
Yes, UNB is profitable with a TTM net income of $12M and a net profit margin of +12.7%. Union Bankshares, Inc. has generated profits for 28 consecutive years.
What is UNB's earnings growth rate?
UNB compound annual EPS growth rates (CAGR): 1-Year: +26.6%, 3-Year: -4.5%, 5-Year: -3.1%, 10-Year: +3.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are UNB's profit margins?
Union Bankshares, Inc. net profit margin is +12.7%, operating margin is +13.8%, and gross margin is +61.5%. Margins are within a typical range for the sector. Return on Equity is +15.1%.
Is UNB growing earnings?
Yes, UNB earnings are accelerating — EPS growth of +26.6% exceeds the 5-year CAGR of -3.1%. TTM net income reached $12M. Earnings momentum is strengthening.
What was UNB's best earnings year?
Union Bankshares, Inc.'s highest annual net income on record is $13M, achieved in fiscal year 2021. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were UNB's earnings last quarter?
UNB's most recent reported quarter was Q1 2026. Net income was $3M with diluted EPS of $0.65. For a full breakdown of all quarters, see the quarterly earnings table on this page.