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Union Bankshares Inc

NAS:UNBFinancial ServicesNASDAQ:BANKnasdaq_composite

$23.13+1.45%At closeAt close · Wed 21 Oct · ≈ AED 84.94 · Market cap $114.4M · Next earnings Wed 21 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	86.1%	93.2%	91.5%	72.1%	60.8%	61.5%	—	—
Operating margin	28.9%	30.3%	28.7%	19.1%	11.7%	13.8%	13.8%	+0.0 pts
Net margin	24.3%	25.2%	23.8%	16.7%	11.2%	12.7%	12.7%	+0.0 pts
EBITDA margin	32.8%	33.9%	32.1%	21.6%	13.8%	15.6%	—	—
Return on equity	15.8%	15.6%	22.8%	17.1%	13.2%	13.7%	13.7%	+0.0 pts
Return on assets	1.2%	1.1%	0.9%	0.8%	0.6%	0.7%	0.7%	+0.0 pts
Return on capital employed	17.3%	15.7%	12.6%	7.8%	2.5%	0.9%	—	—
Debt / equity	0.1×	0.2×	1.2×	1.2×	4.2×	3.7×	3.7×	+0.0%
Debt / assets	0.7%	1.3%	5.0%	5.6%	18.1%	18.7%	—	—
Interest coverage	3.0×	4.4×	3.4×	0.7×	0.3×	0.4×	—	—
Current ratio	0.1×	0.3×	0.2×	0.2×	0.2×	0.1×	0.1×	+0.0%
Quick ratio	0.1×	0.3×	0.2×	0.2×	0.2×	0.1×	—	—
Cash ratio	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Dividend payout	44.4%	44.6%	49.4%	57.0%	73.6%	58.4%	—	—