Union Bankshares, Inc. (UNB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 11.3M | 11.13M | 10.95M | 10.25M | 10.07M | 10.23M | 9.28M | 9.38M | 8.93M | 9.01M | 9.15M | 9.57M | 9.93M | 10.34M | 10.43M | 9.67M | 8.96M | 9.24M | 9.14M | 8.91M |
| NII Growth % | 12.25% | 8.76% | 17.99% | 9.24% | 12.76% | 13.6% | 1.48% | -2% | -10.13% | -12.88% | -12.32% | -0.99% | 10.91% | 11.92% | 14.12% | 8.44% | 6.69% | 13.71% | 12.06% | 15% |
| Net Interest Margin % | 0.7% | 0.69% | 0.7% | 0.69% | 0.66% | 0.67% | 0.61% | 0.67% | 0.63% | 0.61% | 0.66% | 0.72% | 0.73% | 0.77% | 0.8% | 0.81% | 0.73% | 0.77% | 0.79% | 0.84% |
| Interest Income | 19.5M | 19.58M | 19M | 18.52M | 18.09M | 18.38M | 17.04M | 16.45M | 15.54M | 15.32M | 14.85M | 13.8M | 13M | 12.34M | 11.46M | 10.4M | 9.73M | 10.02M | 9.85M | 9.89M |
| Interest Expense | 8.2M | 8.45M | 8.05M | 8.28M | 8.03M | 8.15M | 7.76M | 7.07M | 6.61M | 6.31M | 5.7M | 4.18M | 3.07M | 2M | 1.02M | 733K | 763K | 779K | 706K | 979K |
| Loan Loss Provision | -325K | 5K | 313K | 221K | 235K | 347K | 425K | 388K | -230K | -338K | -139K | -96K | 74K | 0 | 0 | 0 | 0 | -225K | 0 | 75K |
| Non-Interest Income | 2.5M | 2.95M | 3.52M | 2.88M | 2.5M | 3M | 1.79M | 2.81M | 2.61M | 3.01M | 2.42M | 2.41M | 2.2M | 2.25M | 2.44M | 2.17M | 2.06M | 3.01M | 4.2M | 3.14M |
| Non-Interest Income % | 11.36% | 13.1% | 15.63% | 13.44% | 12.13% | 14.02% | 9.49% | 14.58% | 14.37% | 16.43% | 14.02% | 14.84% | 14.48% | 15.45% | 17.55% | 17.22% | 17.44% | 23.09% | 29.89% | 24.11% |
| Total Revenue | 22M | 22.53M | 22.52M | 21.4M | 20.59M | 21.38M | 18.83M | 19.25M | 18.15M | 18.33M | 17.27M | 16.21M | 15.21M | 14.6M | 13.89M | 12.57M | 11.78M | 13.03M | 14.05M | 13.04M |
| Revenue Growth % | 6.85% | 5.39% | 19.62% | 11.13% | 13.45% | 16.6% | 9.06% | 18.79% | 19.36% | 25.58% | 24.28% | 28.96% | 29.06% | 12.08% | -1.13% | -3.59% | -2.8% | -8.71% | -5.37% | 7.5% |
| Non-Interest Expense | 10.8M | 11.05M | 10.31M | 10.4M | 9.68M | 9.61M | 9.44M | 9.72M | 9.18M | 8.88M | 8.88M | 8.99M | 8.63M | 8.33M | 8.33M | 8.29M | 8.11M | 8.46M | 8.55M | 8.39M |
| Efficiency Ratio | 49.09% | 49.03% | 45.78% | 48.63% | 47.01% | 44.98% | 50.15% | 50.48% | 50.6% | 48.43% | 51.42% | 55.44% | 56.73% | 57.08% | 59.95% | 66% | 68.87% | 64.99% | 60.83% | 64.35% |
| Operating Income | 3.33M | 3.03M | 3.85M | 2.5M | 2.65M | 3.27M | 1.2M | 2.08M | 2.58M | 3.48M | 2.83M | 3.13M | 3.44M | 4.26M | 4.54M | 3.54M | 2.9M | 4.01M | 4.8M | 3.59M |
| Operating Margin % | 15.11% | 13.44% | 17.09% | 11.67% | 12.88% | 15.28% | 6.38% | 10.8% | 14.23% | 18.98% | 16.38% | 19.33% | 22.6% | 29.19% | 32.68% | 28.17% | 24.65% | 30.76% | 34.15% | 27.57% |
| Operating Income Growth % | 25.42% | -7.32% | 220.57% | 20.05% | 2.67% | -6.09% | -57.53% | -33.63% | -24.85% | -18.35% | -37.72% | -11.49% | 18.32% | 6.37% | -5.38% | -1.47% | -15.01% | -13.27% | -2.02% | 13.91% |
| Pretax Income | 3.33M | 3.03M | 3.85M | 2.5M | 2.65M | 3.27M | 1.2M | 2.08M | 2.58M | 3.48M | 2.83M | 3.13M | 3.44M | 4.26M | 4.54M | 3.54M | 2.9M | 4.01M | 4.8M | 3.59M |
| Pretax Margin % | 15.11% | 13.44% | 17.09% | 11.67% | 12.88% | 15.28% | 6.38% | 10.8% | 14.23% | 18.98% | 16.38% | 19.33% | 22.6% | 29.19% | 32.68% | 28.17% | 24.65% | 30.76% | 34.15% | 27.57% |
| Income Tax | 328K | 262K | 414K | 102K | 150K | 266K | -123K | 61K | 165K | 430K | 296K | 435K | 459K | 817K | 783K | 610K | 422K | 628K | 874K | 603K |
| Effective Tax Rate % | 9.86% | 8.65% | 10.75% | 4.08% | 5.66% | 8.14% | -10.24% | 2.93% | 6.39% | 12.36% | 10.47% | 13.88% | 13.36% | 19.17% | 17.24% | 17.23% | 14.53% | 15.68% | 18.21% | 16.78% |
| Net Income | 3M | 2.77M | 3.44M | 2.4M | 2.5M | 3M | 1.32M | 2.02M | 2.42M | 3.05M | 2.53M | 2.7M | 2.98M | 3.44M | 3.76M | 2.93M | 2.48M | 3.38M | 3.92M | 2.99M |
| Net Margin % | 13.62% | 12.28% | 15.25% | 11.19% | 12.15% | 14.04% | 7.03% | 10.49% | 13.32% | 16.63% | 14.66% | 16.65% | 19.58% | 23.59% | 27.05% | 23.32% | 21.07% | 25.93% | 27.93% | 22.94% |
| Net Income Growth % | 19.83% | -7.83% | 159.52% | 18.62% | 3.48% | -1.57% | -47.71% | -25.19% | -18.81% | -11.47% | -32.62% | -7.92% | 19.94% | 1.95% | -4.25% | -2.01% | -13.7% | -10.96% | -5.35% | 12.11% |
| Net Income (Continuing) | 3M | 2.77M | 3.44M | 2.4M | 2.5M | 3M | 1.32M | 2.02M | 2.42M | 3.05M | 2.53M | 2.7M | 2.98M | 3.44M | 3.76M | 2.93M | 2.48M | 3.38M | 3.92M | 2.99M |
| EPS (Diluted) | 0.65 | 0.60 | 0.75 | 0.52 | 0.55 | 0.67 | 0.29 | 0.45 | 0.53 | 0.67 | 0.56 | 0.60 | 0.66 | 0.77 | 0.84 | 0.65 | 0.55 | 0.76 | 0.87 | 0.67 |
| EPS Growth % | 18.18% | -10.45% | 158.62% | 15.56% | 3.77% | 0% | -48.21% | -25% | -19.7% | -12.99% | -33.33% | -7.69% | 20% | 1.32% | -3.45% | -2.99% | -14.06% | -10.59% | -5.43% | 11.67% |
| EPS (Basic) | 0.65 | 0.60 | 0.75 | 0.53 | 0.55 | 0.67 | 0.29 | 0.45 | 0.53 | 0.67 | 0.56 | 0.60 | 0.66 | 0.77 | 0.84 | 0.65 | 0.55 | 0.76 | 0.87 | 0.67 |
| Diluted Shares Outstanding | 4.61M | 4.57M | 4.57M | 4.57M | 4.57M | 4.48M | 4.56M | 4.49M | 4.56M | 4.52M | 4.54M | 4.54M | 4.51M | 4.47M | 4.47M | 4.51M | 4.49M | 4.44M | 4.51M | 4.46M |