Union Historical Income Statement

UNB Stock

USD 33.95 1.65 4.63%

Historical analysis of Union Bankshares income statement accounts such as Depreciation And Amortization of 1.2 M, Interest Expense of 20.2 M, Selling General Administrative of 12.8 M or Total Revenue of 31.1 M can show how well Union Bankshares performed in making a profits. Evaluating Union Bankshares income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Union Bankshares's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Union Bankshares latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Union Bankshares is a good buy for the upcoming year.

Net Income Gross Profit

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Union Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For information on how to trade Union Stock refer to our How to Trade Union Stock guide.

About Union Income Statement Analysis

Union Bankshares Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Union Bankshares shareholders. The income statement also shows Union investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Union Bankshares Income Statement Chart

At present, Union Bankshares' Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Gross Profit is expected to grow to about 70.3 M, whereas Depreciation And Amortization is forecasted to decline to about 1.2 M.

Other Operating Expenses Total Other Income Expense Net Interest Income

Other Operating Expenses

Other Operating Expenses is the expense which generally does not depend on sales or production quantities of Union Bankshares. It is also known as Union Bankshares overhead expenses. Typically these expenses include marketing, rent and utilities, office, leases, and other overhead cost. Expenses incurred from non-core business activities, including administrative and general expenses, but excluding costs directly related to production.

Interest Income

Income earned from the investment of cash or from lending money to others, including interest from bank accounts, bonds, or other interest-bearing investments.

Most accounts from Union Bankshares' income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Union Bankshares current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Union Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For information on how to trade Union Stock refer to our How to Trade Union Stock guide.At present, Union Bankshares' Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Gross Profit is expected to grow to about 70.3 M, whereas Depreciation And Amortization is forecasted to decline to about 1.2 M.

	2021	2022	2023	2024 (projected)
Interest Expense	3.6M	4.5M	19.3M	20.2M
Depreciation And Amortization	1.9M	1.8M	1.6M	1.2M

Interest Expense Depreciation And Amortization

Union Bankshares income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Cost Of Revenue	Selling And Marketing Expenses	Net Income From Continuing Ops	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items
Depreciation And Amortization		0.04	0.75	0.87	0.61	0.52	0.5	0.52	0.64	-0.22	0.94	0.04	0.96	0.4	-0.85	0.64	0.93	-0.19	0.74	0.68	0.77	0.76
Interest Expense	0.04		0.26	0.0	0.61	-0.06	0.6	-0.09	-0.1	0.86	0.05	-0.43	0.09	-0.13	-0.43	0.53	0.26	-0.37	0.54	0.65	0.39	0.47
Selling General Administrative	0.75	0.26		0.89	0.74	0.43	0.57	0.14	0.26	0.03	0.67	-0.1	0.75	-0.02	-0.71	0.65	0.72	-0.36	0.79	0.83	0.49	0.73
Total Revenue	0.87	0.0	0.89		0.74	0.46	0.39	0.16	0.3	-0.23	0.83	0.05	0.88	0.21	-0.76	0.51	0.83	-0.18	0.7	0.67	0.59	0.66
Gross Profit	0.61	0.61	0.74	0.74		0.28	0.53	-0.1	0.0	0.34	0.61	-0.22	0.65	0.13	-0.8	0.59	0.75	-0.36	0.8	0.82	0.66	0.73
Other Operating Expenses	0.52	-0.06	0.43	0.46	0.28		-0.14	0.08	0.18	-0.53	0.36	0.26	0.41	-0.02	-0.33	0.1	0.37	-0.26	0.11	0.18	0.31	0.34
Operating Income	0.5	0.6	0.57	0.39	0.53	-0.14		0.56	0.58	0.65	0.59	-0.54	0.59	0.32	-0.6	0.77	0.65	-0.02	0.83	0.86	0.52	0.56
Ebit	0.52	-0.09	0.14	0.16	-0.1	0.08	0.56		0.99	-0.04	0.6	-0.31	0.52	0.62	-0.3	0.39	0.49	0.32	0.39	0.29	0.42	0.26
Ebitda	0.64	-0.1	0.26	0.3	0.0	0.18	0.58	0.99		-0.1	0.7	-0.25	0.64	0.62	-0.41	0.46	0.6	0.26	0.47	0.37	0.5	0.36
Total Operating Expenses	-0.22	0.86	0.03	-0.23	0.34	-0.53	0.65	-0.04	-0.1		-0.12	-0.55	-0.12	-0.06	-0.15	0.4	0.04	-0.14	0.4	0.48	0.11	0.18
Income Before Tax	0.94	0.05	0.67	0.83	0.61	0.36	0.59	0.6	0.7	-0.12		-0.07	0.98	0.59	-0.83	0.61	0.96	0.07	0.77	0.68	0.78	0.65
Total Other Income Expense Net	0.04	-0.43	-0.1	0.05	-0.22	0.26	-0.54	-0.31	-0.25	-0.55	-0.07		-0.05	-0.13	0.06	-0.2	-0.14	-0.12	-0.34	-0.32	-0.21	-0.12
Net Income	0.96	0.09	0.75	0.88	0.65	0.41	0.59	0.52	0.64	-0.12	0.98	-0.05		0.43	-0.88	0.64	0.98	-0.06	0.8	0.74	0.8	0.72
Income Tax Expense	0.4	-0.13	-0.02	0.21	0.13	-0.02	0.32	0.62	0.62	-0.06	0.59	-0.13	0.43		-0.22	0.18	0.44	0.63	0.24	0.12	0.3	0.01
Cost Of Revenue	-0.85	-0.43	-0.71	-0.76	-0.8	-0.33	-0.6	-0.3	-0.41	-0.15	-0.83	0.06	-0.88	-0.22		-0.74	-0.94	0.31	-0.9	-0.86	-0.92	-0.9
Selling And Marketing Expenses	0.64	0.53	0.65	0.51	0.59	0.1	0.77	0.39	0.46	0.4	0.61	-0.2	0.64	0.18	-0.74		0.7	-0.29	0.83	0.84	0.63	0.71
Net Income From Continuing Ops	0.93	0.26	0.72	0.83	0.75	0.37	0.65	0.49	0.6	0.04	0.96	-0.14	0.98	0.44	-0.94	0.7		-0.12	0.87	0.8	0.88	0.78
Tax Provision	-0.19	-0.37	-0.36	-0.18	-0.36	-0.26	-0.02	0.32	0.26	-0.14	0.07	-0.12	-0.06	0.63	0.31	-0.29	-0.12		-0.27	-0.33	-0.18	-0.57
Net Interest Income	0.74	0.54	0.79	0.7	0.8	0.11	0.83	0.39	0.47	0.4	0.77	-0.34	0.8	0.24	-0.9	0.83	0.87	-0.27		0.96	0.77	0.88
Interest Income	0.68	0.65	0.83	0.67	0.82	0.18	0.86	0.29	0.37	0.48	0.68	-0.32	0.74	0.12	-0.86	0.84	0.8	-0.33	0.96		0.7	0.84
Reconciled Depreciation	0.77	0.39	0.49	0.59	0.66	0.31	0.52	0.42	0.5	0.11	0.78	-0.21	0.8	0.3	-0.92	0.63	0.88	-0.18	0.77	0.7		0.81
Extraordinary Items	0.76	0.47	0.73	0.66	0.73	0.34	0.56	0.26	0.36	0.18	0.65	-0.12	0.72	0.01	-0.9	0.71	0.78	-0.57	0.88	0.84	0.81

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Union Bankshares Account Relationship Matchups

Union Bankshares income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	1.7M	2.1M	1.9M	1.8M	1.6M	1.2M
Interest Expense	5.6M	5.1M	3.6M	4.5M	19.3M	20.2M
Selling General Administrative	16.0M	17.8M	19.0M	19.1M	25.4M	12.8M
Total Revenue	40.7M	47.6M	48.7M	48.4M	48.2M	31.1M
Gross Profit	40.7M	47.6M	48.7M	48.4M	67M	70.4M
Other Operating Expenses	28.2M	32.4M	32.9M	5.0M	26.0M	16.8M
Operating Income	12.5M	15.2M	15.8M	20.4M	22.2M	15.4M
Ebit	12.5M	15.2M	15.8M	15.2M	12.9M	10.8M
Ebitda	14.2M	17.3M	17.7M	17.0M	14.5M	11.7M
Total Operating Expenses	(28.2M)	(32.4M)	(32.9M)	5.0M	26.0M	27.3M
Income Before Tax	12.5M	15.2M	15.8M	15.2M	12.9M	10.2M
Total Other Income Expense Net	12.5M	(7.0M)	(7.9M)	(8.2M)	(9.3M)	(9.8M)
Net Income	10.6M	12.8M	13.2M	12.6M	11.3M	8.0M
Income Tax Expense	1.8M	2.4M	2.6M	2.6M	1.6M	2.2M
Net Income Applicable To Common Shares	10.6M	12.8M	13.2M	12.6M	14.5M	8.0M
Selling And Marketing Expenses	555K	544K	530K	617K	659K	530.5K
Net Income From Continuing Ops	10.6M	12.8M	13.2M	12.6M	11.7M	10.1M
Tax Provision	1.8M	2.4M	2.6M	2.6M	2.0M	1.9M
Net Interest Income	30.1M	31.6M	35.7M	39.4M	38.9M	34.1M
Interest Income	35.7M	36.8M	39.3M	43.9M	53.9M	39.4M
Reconciled Depreciation	1.7M	2.1M	1.9M	1.8M	1.6M	1.9M

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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:

How To Invest In Union

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Is Union Stock a good investment?

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What is Union Bankshares' Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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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. All the valuation information about Union Bankshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.47)

Dividend Share

1.44

Earnings Share

1.94

Revenue Per Share

10.244

Quarterly Revenue Growth

(0.1)

The market value of Union Bankshares is measured differently than its book value, which is the value of Union that is recorded on the company's balance sheet. Investors also form their own opinion of Union Bankshares' value that differs from its market value or its book value, called intrinsic value, which is Union Bankshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Union Bankshares' market value can be influenced by many factors that don't directly affect Union Bankshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic 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. However, Union Bankshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Union Historical Income Statement

About Union Income Statement Analysis

Union Bankshares Income Statement Chart

Other Operating Expenses

Interest Income

Union Bankshares income statement Correlations

Union Bankshares Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Union Bankshares income statement Accounts

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Ebitda	+ 0.99	Ebit
Net Income	+ 0.98	Income Before Tax
Net Income From Continuing Ops	+ 0.98	Net Income
Net Income	+ 0.96	Depreciation And Amortization
Net Income From Continuing Ops	+ 0.96	Income Before Tax
Interest Income	+ 0.96	Net Interest Income

Net Income From Continuing Ops	- 0.94	Cost Of Revenue
Reconciled Depreciation	- 0.92	Cost Of Revenue
Extraordinary Items	- 0.9	Cost Of Revenue
Net Interest Income	- 0.9	Cost Of Revenue
Cost Of Revenue	- 0.88	Net Income
Interest Income	- 0.86	Cost Of Revenue