Filing Flows › Union Bankshares (UNB) › Q3 2026
Union Bankshares (UNB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Union Bankshares (UNB) reported revenue of $15.0M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +0.8% from the quarter before. Operating margin was 29.0%, net earnings $3.8M (25.1% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $15.0M | +0.8% | +3% |
| Operating profit | $4.3M | +35% | +13% |
| Net earnings | $3.8M | +29% | +10% |
| Operating cash flow | $2.3M | -66% | -76% |
| Free cash flow | $849K | -86% | -91% |
What changed
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.
Questions
What was Union Bankshares' revenue in the third quarter 2026?
Union Bankshares (UNB) reported revenue of $15.0M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +0.8% from the quarter before.
Was Union Bankshares profitable in the third quarter 2026?
Operating profit was $4.3M (29.0% of revenue) and net earnings $3.8M.
Source: Union Bankshares 10-Q on SEC EDGAR.