Filing Flows › Union Bankshares (UNB) › Q3 2026 › vs Q3 2025
Union Bankshares (UNB) Q3 2026 vs Q3 2025 (year over year)
Union Bankshares's revenue rose $481K (+3%) from $14.5M in Q3 2025 to $15.0M in Q3 2026. The biggest changes: Net interest income +$988K (+9%); Noninterest income −$507K (-15%). Operating margin 29.0% against 26.5% (+2.4 pts).
Union Bankshares, Q3 2026: revenue $15.0M (+3% year over year), operating margin 29.0%, net earnings $3.8M, operating cash flow $2.3M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 29.0% | 26.5% | +2.4 pts |
| Net margin | 25.1% | 23.7% | +1.5 pts |
| Free cash flow margin | 5.7% | 65.9% | -60.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $12.1M | $11.2M | $988K | +9% |
| Noninterest income | $2.8M | $3.4M | −$507K | -15% |
| Revenue | $15.0M | $14.5M | $481K | +3% |
| Operating profit | $4.3M | $3.9M | $491K | +13% |
| Costs & expenses | $10.6M | $10.7M | −$10K | -0.1% |
| Pre-tax earnings | $4.3M | $3.9M | $491K | +13% |
| Credit loss provision | $34K | $313K | −$279K | -89% |
| Noninterest expense | $10.6M | $10.3M | $269K | +3% |
| Net earnings | $3.8M | $3.4M | $332K | +10% |
| Income tax | $573K | $414K | $159K | +38% |
| Depreciation & amortization | $438K | $426K | $12K | +3% |
| Share-based compensation | $110K | $153K | −$43K | -28% |
| Working capital & other | $2.0M | −$5.7M | $7.7M | — |
| Operating cash flow | $2.3M | $9.7M | −$7.4M | -76% |
| Free cash flow (OCF − capex) | $849K | $9.6M | −$8.7M | -91% |
| Capital expenditures | $1.5M | $155K | $1.3M | +848% |
Questions
How much did Union Bankshares's revenue grow year over year in Q3 2026?
Union Bankshares's revenue rose $481K (+3%) from $14.5M in Q3 2025 to $15.0M in Q3 2026.
What drove Union Bankshares's revenue change in Q3 2026?
Net interest income +$988K (+9%); Noninterest income −$507K (-15%).