Filing Flows

Filing Flows › Companies › Union Bankshares › Cash flow

Union Bankshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$849K in Q3 2026 · $12.2M over twelve months

Operating cash flow$2.3M
Capital spending−$1.5M
Free cash flow+$849K
Cash / net income0.6×

Analysis

In Q3 2026, Union Bankshares generated $2.3M of operating cash flow and spent $1.5M on capital projects, leaving free cash flow of $849K. That is $8.7M less than in Q3 2025 ($9.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $15.0M; the largest uses were other investing ($88.0M), dividends ($6.8M), capital spending ($2.9M); besides operations, cash came from other financing ($69.8M), asset & business sales ($420K); the cash balance fell by $12.1M.

Operating cash flow was $2.3M against net income of $3.8M — 0.6× profit, less cash than reported earnings, worth checking against working capital. The largest differences: other liabilities −$1.7M, depreciation & amortization +$438K, prepaid and other assets −$129K.

Free cash flow

Union Bankshares: free cash flow by quarterUnion Bankshares: free cash flow by quarter$5.6MQ4 2024$3.9MQ1 2025−$381KQ2 2025$9.6MQ3 2025$2.9MQ4 2025$2.5MQ1 2026$6.0MQ2 2026$849KQ3 2026
Operating cash flow less capital spending.
Union Bankshares: operating cash flow against capital spendingUnion Bankshares: operating cash flow against capital spendingOperating cash flowCapital spending$5.8M$139KQ4 2024$4.1M$143KQ1 2025$288K$669KQ2 2025$9.7M$155KQ3 2025$3.2M$286KQ4 2025$2.6M$180KQ1 2026$6.9M$920KQ2 2026$2.3M$1.5MQ3 2026
Latest (Q3 2026): Operating cash flow $2.3M, Capital spending $1.5M.

Capital allocation, year by year

Union Bankshares: where the cash came from (up) and went (down), by fiscal yearUnion Bankshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $29.2MFY2021: Net borrowing −$7.2MFY2021: Shares issued $144KFY2021: Capital spending −$3.5MFY2021: Buybacks −$2KFY2021: Dividends −$5.9M$29.3MFY2021FY2022: Operating cash flow $29.0MFY2022: Net borrowing $50.0MFY2022: Capital spending −$665KFY2022: Buybacks −$79KFY2022: Dividends −$6.3M$79.0MFY2022FY2023: Operating cash flow $9.2MFY2023: Net borrowing $15.7MFY2023: Asset sales $16KFY2023: Capital spending −$1.9MFY2023: Buybacks −$130KFY2023: Dividends −$6.5M$24.9MFY2023FY2024: Operating cash flow $12.2MFY2024: Net borrowing $194MFY2024: Asset sales $46KFY2024: Capital spending −$1.1MFY2024: Dividends −$6.5M$206MFY2024FY2025: Operating cash flow $17.2MFY2025: Net borrowing $26.8MFY2025: Shares issued $1.2MFY2025: Capital spending −$1.3MFY2025: Dividends −$6.6M$45.2MFY2025
Over these 5 years operating cash flow totalled $96.8M; the largest uses were dividends ($31.8M) and capital spending ($8.4M). Cash-flow statements as filed.

Where the cash came from and went

Union Bankshares: sources (+) and uses (−) of cash, Q3 2026Union Bankshares: sources (+) and uses (−) of cash, Q3 2026Other financing$157MOther investing−$98.2MNet borrowing (+) / repaid (−)−$66.0MCash drawn (+) / kept (−)$7.6MOperating cash flow$2.3MDividends−$1.8MCapital spending−$1.5M
Union Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Union Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$88.0MOther financing$69.8MOperating cash flow$15.0MCash drawn (+) / kept (−)$12.1MDividends−$6.8MCapital spending−$2.9MAsset & business sales$420KNet borrowing (+) / repaid (−)$234K

From profit to cash

Union Bankshares: net income to operating cash flow, Q3 2026Union Bankshares: net income to operating cash flow, Q3 2026Net income$3.8MDepreciation & amortization$438KStock-based pay$110KDeferred taxes−$1KPrepaid and other assets−$129KOther liabilities−$1.7MOperating cash flow$2.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$2.3M−$1.5M−$1.8M−$66.0M—$7.6M$849K
Q2 2026$6.9M−$920K−$1.7M$26.1M—−$1.2M$6.0M
Q1 2026$2.6M−$180K−$1.7M$24.5M—−$17.5M$2.5M
Q4 2025$3.2M−$286K−$1.6M$15.6M—$23.2M$2.9M
Q3 2025$9.7M−$155K−$1.6M$167K$749K−$6.2M$9.6M
Q2 2025$288K−$669K−$1.6M$30.0M—−$15.6M−$381K
Q1 2025$4.1M−$143K−$1.6M−$19.0M—$2.1M$3.9M
Q4 2024$5.8M−$139K−$1.6M$19.0M—$31.4M$5.6M

Union Bankshares: income statement and cash flow

Union Bankshares, Q3 2026: revenue $15.0M (+3% year over year), operating margin 29.0%. The chart follows the revenue to costs, profit and cash.

Union Bankshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.