Filing Flows › Financials › Union Bankshares (UNB)
Union Bankshares (UNB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Union Bankshares (UNB) Q3 2026 earnings results →
Q3 2026 Revenue up 3% year over year to $15.0M · 25¢ of every $1 of revenue kept as net profit · operating margin 29.0%
Union Bankshares made $15.0M in Q3 2026 (+3% Y/Y): Net interest income $12.1M, Noninterest income $2.8M. Operating margin 29.0%, net earnings $3.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $15.0M in Q3 2026, up 3% year over year and up 1% from the previous quarter. Net interest income was the largest line at 81% of revenue. Net interest income added $1.0M year over year (up 9%), 205% of the total change. Noninterest income declined 15%.
Operating profit was $4.3M, a 29.0% margin (up 2.4 points year over year). Of the extra revenue versus a year earlier, 102% reached operating profit, above the 27% margin then. Total costs fell 0% while revenue rose 3%. Net earnings were $3.8M, up 10% year over year. The effective tax rate was 13.2%.
Operating cash flow was $2.3M (down 76% year over year), 62% of net earnings. Non-cash charges added back $438K of depreciation and amortization and $110K of share-based compensation. Working capital and other items used $2.0M. Capital expenditures of $1.5M left free cash flow of $849K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $15.0M | +3% | 29.0% | $3.8M | $2.3M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Union Bankshares
Certain Definitions: Capitalized terms used in the following discussion and not otherwise defined below have the meanings assigned to them in Note 1 to the Company's audited consolidated financial statements contained in Part II, item 8, page 55 of this Annual Report. General: Union Bankshares, Inc. (“Company”) is a one-bank holding company whose sole subsidiary is Union Bank (“Union”). It was incorporated in the State of Vermont in 1982 to serve as a holding company for Union Bank. The Company's common stock is traded on the Nasdaq Global Market under the symbol "UNB". Union Bank was organized and chartered as a state bank in 1891 and became a wholly owned subsidiary of the Company upon completion of the holding company reorganization in 1982. Both Union Bankshares, Inc. and Union Bank are headquartered in Morrisville, Vermont.
In its own words, from its 10-K, filed Mar 20, 2026.
Union Bankshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +8%. Operating margin: 29.0% against the peers' median 33.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| UNB Union Bankshares | Q3 2026 | $15.0M | +3% | 29.0% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: Union Bankshares 10-Q on SEC EDGAR · CIK 706863 · State Commercial Banks
Guidance and outlook
13F: who owns UNB and who is buying
More on UNB
History
Every quarter: Q3 2026 results