UNB: Union Bankshares Inc Financial Statements
Balance sheet, income statement, and cash flow statements for Union Bankshares Inc (UNB).
$130.80M Market Cap.
UNB Market Cap. (MRY)
UNB Shares Outstanding (MRY)
UNB Assets (MRY)
Total Assets
$1.53B
Total Liabilities
$1.46B
Total Investments
$1.41B
UNB Income (MRY)
Revenue
$47.16M
Net Income
$8.76M
Operating Expense
$38.03M
UNB Cash Flow (MRY)
CF Operations
$12.15M
CF Investing
-$124.83M
CF Financing
$50.85M
UNB Balance Sheet (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Total Assets | $1,528,358,000 (4.05%) | $1,468,879,000 (9.91%) | $1,336,489,000 (10.88%) | $1,205,373,000 (10.23%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Shareholders Equity | $66,480,000 (1.02%) | $65,807,000 (19.17%) | $55,220,000 (-34.53%) | $84,341,000 (4.30%) |
Property Plant & Equipment Net | $20,225,000 (-2.63%) | $20,771,000 (1.43%) | $20,479,000 (-5.26%) | $21,615,000 (7.86%) |
Cash & Equivalents | $25,300,000 (-72.61%) | $92,356,000 (70.04%) | $54,313,000 (-31.35%) | $79,118,000 (-41.60%) |
Accumulated Other Comprehensive Income | -$33,997,000 (-6.39%) | -$31,955,000 (14.60%) | -$37,419,000 (-2311.02%) | -$1,552,000 (-158.88%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $1,407,680,000 (8.92%) | $1,292,409,000 (7.36%) | $1,203,863,000 (13.34%) | $1,062,199,000 (17.79%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Accumulated Retained Earnings (Deficit) | $91,722,000 (2.51%) | $89,472,000 (5.67%) | $84,669,000 (8.07%) | $78,350,000 (10.20%) |
Tax Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Tax Liabilities | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Debt | $275,969,000 (236.81%) | $81,935,000 (23.76%) | $66,205,000 (309.41%) | $16,171,000 (125.73%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $1,461,878,000 (4.19%) | $1,403,072,000 (9.51%) | $1,281,269,000 (14.29%) | $1,121,032,000 (10.70%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
UNB Income Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Revenues | $47,157,000 (-2.26%) | $48,246,000 (-0.34%) | $48,411,000 (-0.53%) | $48,671,000 (7.19%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $38,027,000 (7.52%) | $35,369,000 (6.65%) | $33,164,000 (0.94%) | $32,855,000 (8.86%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $38,027,000 (7.52%) | $35,369,000 (6.65%) | $33,164,000 (0.94%) | $32,855,000 (8.86%) |
Interest Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Income Tax Expense | $369,000 (-77.22%) | $1,620,000 (-38.45%) | $2,632,000 (-0.53%) | $2,646,000 (9.38%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $8,761,000 (-22.17%) | $11,257,000 (-10.76%) | $12,615,000 (-4.21%) | $13,170,000 (2.85%) |
Net Income to Non-Controlling Interests | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income | $8,761,000 (-22.17%) | $11,257,000 (-10.76%) | $12,615,000 (-4.21%) | $13,170,000 (2.85%) |
Preferred Dividends Income Statement Impact | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $8,761,000 (-22.17%) | $11,257,000 (-10.76%) | $12,615,000 (-4.21%) | $13,170,000 (2.85%) |
Weighted Average Shares | $4,524,553 (0.38%) | $4,507,219 (0.20%) | $4,498,292 (0.29%) | $4,485,156 (0.22%) |
Weighted Average Shares Diluted | - | - | - | - |
Earning Before Interest & Taxes (EBIT) | $9,130,000 (-29.10%) | $12,877,000 (-15.54%) | $15,247,000 (-3.60%) | $15,816,000 (3.89%) |
Gross Profit | $47,157,000 (-2.26%) | $48,246,000 (-0.34%) | $48,411,000 (-0.53%) | $48,671,000 (7.19%) |
Operating Income | $9,130,000 (-29.10%) | $12,877,000 (-15.54%) | $15,247,000 (-3.60%) | $15,816,000 (3.89%) |
UNB Cash Flow Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Net Cash Flow from Investing | -$124,826,000 (-51.76%) | -$82,252,000 (60.38%) | -$207,583,000 (-9.25%) | -$190,008,000 (-50.91%) |
Net Cash Flow from Financing | $50,847,000 (-54.94%) | $112,842,000 (-25.03%) | $150,515,000 (44.77%) | $103,969,000 (-49.19%) |
Net Cash Flow from Operations | $12,151,000 (32.21%) | $9,191,000 (-68.34%) | $29,031,000 (-0.54%) | $29,190,000 (513.34%) |
Net Cash Flow / Change in Cash & Cash Equivalents | -$61,828,000 (-255.42%) | $39,781,000 (241.89%) | -$28,037,000 (50.68%) | -$56,849,000 (-179.36%) |
Net Cash Flow - Business Acquisitions and Disposals | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Cash Flow - Investment Acquisitions and Disposals | -$124,061,000 (-54.45%) | -$80,326,000 (61.18%) | -$206,925,000 (-10.91%) | -$186,567,000 (-49.34%) |
Capital Expenditure | -$1,025,000 (46.89%) | -$1,930,000 (-190.23%) | -$665,000 (81.05%) | -$3,509,000 (-248.46%) |
Issuance (Repayment) of Debt Securities | $194,000,000 (1135.98%) | $15,696,000 (-68.61%) | $50,000,000 (455.80%) | $8,996,000 (122.49%) |
Issuance (Purchase) of Equity Shares | $0 (0%) | -$130,000 (-64.56%) | -$79,000 (-212.86%) | $70,000 (218.18%) |
Payment of Dividends & Other Cash Distributions | -$6,444,000 (-0.45%) | -$6,415,000 (-2.87%) | -$6,236,000 (-6.11%) | -$5,877,000 (-3.30%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | $398,000 (6.42%) | $374,000 (-16.14%) | $446,000 (49.16%) | $299,000 (26.69%) |
Depreciation Amortization & Accretion | $1,593,000 (-2.81%) | $1,639,000 (-9.00%) | $1,801,000 (-5.01%) | $1,896,000 (-8.05%) |
UNB Financial Metrics (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 18.60% (-20.17%) | 23.30% (-10.73%) | 26.10% (-3.69%) | 27.10% (-3.90%) |
EBITDA Margin | 22.70% (-24.58%) | 30.10% (-14.49%) | 35.20% (-3.30%) | 36.40% (-4.46%) |
Return on Average Equity (ROAE) | 13.10% (-31.77%) | 19.20% (-10.70%) | 21.50% (34.37%) | 16.00% (-3.61%) |
Return on Average Assets (ROAA) | 0.60% (-25.00%) | 0.80% (-20.00%) | 1.00% (-16.67%) | 1.20% (-7.69%) |
Return on Sales (ROS) | 19.40% (-27.34%) | 26.70% (-15.24%) | 31.50% (-3.08%) | 32.50% (-2.99%) |
Return on Invested Capital (ROIC) | 0.50% (-44.44%) | 0.90% (-25.00%) | 1.20% (-20.00%) | 1.50% (-11.76%) |
Dividend Yield | 5.00% (6.38%) | 4.70% (-18.97%) | 5.80% (31.82%) | 4.40% (-12.00%) |
Price to Earnings Ratio (P/E) | 14.9 (21.55%) | 12.26 (43.49%) | 8.54 (-15.79%) | 10.15 (12.86%) |
Price to Sales Ratio (P/S) | 2.77 (-3.11%) | 2.86 (28.33%) | 2.23 (-18.84%) | 2.75 (8.48%) |
Price to Book Ratio (P/B) | 1.97 (-6.24%) | 2.1 (7.31%) | 1.96 (23.33%) | 1.59 (11.45%) |
Debt to Equity Ratio (D/E) | 21.99 (3.14%) | 21.32 (-8.11%) | 23.2 (74.56%) | 13.29 (6.14%) |
Earnings Per Share (EPS) | 1.94 (-22.40%) | 2.5 (-11.03%) | 2.81 (-4.42%) | 2.94 (2.80%) |
Sales Per Share (SPS) | 10.42 (-2.63%) | 10.7 (-0.54%) | 10.76 (-0.83%) | 10.85 (6.96%) |
Free Cash Flow Per Share (FCFPS) | 2.46 (52.64%) | 1.61 (-74.45%) | 6.31 (10.13%) | 5.73 (417.58%) |
Book Value Per Share (BVPS) | 14.69 (0.64%) | 14.6 (18.93%) | 12.28 (-34.72%) | 18.8 (4.06%) |
Tangible Assets Book Value Per Share (TABVPS) | 337.79 (3.65%) | 325.89 (9.69%) | 297.11 (10.55%) | 268.75 (9.98%) |
Enterprise Value Over EBIT (EV/EBIT) | 36 (125.00%) | 16 (128.57%) | 7 (250.00%) | 2 (-33.33%) |
Enterprise Value Over EBITDA (EV/EBITDA) | 30.5 (111.53%) | 14.42 (139.56%) | 6.02 (332.09%) | 1.39 (-52.89%) |
Asset Turnover | 0.03 (-8.57%) | 0.04 (-7.89%) | 0.04 (-11.63%) | 0.04 (-8.51%) |
Current Ratio | - | - | - | - |
Dividends | $1.44 (0.00%) | $1.44 (2.86%) | $1.4 (6.06%) | $1.32 (3.13%) |
Free Cash Flow (FCF) | $11,126,000 (53.23%) | $7,261,000 (-74.40%) | $28,366,000 (10.46%) | $25,681,000 (418.27%) |
Enterprise Value (EV) | $327,058,827 (56.26%) | $209,306,262 (103.97%) | $102,617,541 (315.89%) | $24,674,203 (-51.73%) |
Earnings Before Tax (EBT) | $9,130,000 (-29.10%) | $12,877,000 (-15.54%) | $15,247,000 (-3.60%) | $15,816,000 (3.89%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $10,723,000 (-26.13%) | $14,516,000 (-14.85%) | $17,048,000 (-3.75%) | $17,712,000 (2.46%) |
Invested Capital | $1,779,027,000 (21.98%) | $1,458,458,000 (8.16%) | $1,348,381,000 (18.03%) | $1,142,426,000 (18.36%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $1,528,358,000 (4.05%) | $1,468,879,000 (9.91%) | $1,336,489,000 (10.88%) | $1,205,373,000 (10.23%) |
Market Capitalization | $130,804,827 (-5.31%) | $138,146,262 (27.91%) | $108,003,541 (-19.28%) | $133,792,203 (16.28%) |
Average Equity | $66,661,750 (13.61%) | $58,674,750 (0.17%) | $58,577,750 (-29.06%) | $82,569,750 (6.94%) |
Average Assets | $1,465,973,750 (5.44%) | $1,390,326,500 (9.86%) | $1,265,558,750 (11.65%) | $1,133,528,500 (16.17%) |
Invested Capital Average | $1,664,890,750 (16.20%) | $1,432,725,500 (14.69%) | $1,249,218,750 (18.10%) | $1,057,750,250 (14.93%) |
Shares | 4,524,553 (0.38%) | 4,507,219 (0.20%) | 4,498,292 (0.29%) | 4,485,156 (0.22%) |
