Union Bankshares Inc Cash Flow Quality Index
Union Bankshares Inc cash flow quality index. Union Bankshares Inc (UNB) has a Cash Flow Quality Index of 2.83x as of September 2025. Operating cash flow of $9.71 Million exceeds net income of $3.44 Million, indicating high earnings quality where cash backs reported profits. See Union Bankshares Inc leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Union Bankshares Inc (1998–2024)
Cash flow quality index of Union Bankshares Inc from 1998 to 2024. Historical Cash Flow Quality Index for Union Bankshares Inc across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore how well can Union Bankshares Inc service its debt to assess how comfortably operating cash covers total debt obligations.
Union Bankshares Inc Cash Flow Quality Index by Year (1998–2024)
Union Bankshares Inc cash flow quality index by year from 1998 to 2024. Year-by-year earnings quality comparison for Union Bankshares Inc. For the full cash flow conversion analysis, see Union Bankshares Inc (UNB) cash conversion ratio.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.39x | $12.15 Million | $8.76 Million | ▲ +69.9% |
| 2023 | 0.82x | $9.19 Million | $11.26 Million | ▼ -64.5% |
| 2022 | 2.30x | $29.03 Million | $12.62 Million | ▲ +3.8% |
| 2021 | 2.22x | $29.19 Million | $13.17 Million | ▲ +501.9% |
| 2020 | -0.55x | $-7.06 Million | $12.80 Million | ▼ -149.9% |
| 2019 | 1.11x | $11.78 Million | $10.65 Million | ▼ -53.3% |
| 2018 | 2.37x | $16.76 Million | $7.07 Million | ▲ +102.9% |
| 2017 | 1.17x | $9.87 Million | $8.45 Million | ▲ +30.0% |
| 2016 | 0.90x | $7.64 Million | $8.51 Million | ▼ -46.1% |
| 2015 | 1.67x | $13.13 Million | $7.88 Million | ▲ +481.8% |
| 2014 | 0.29x | $2.20 Million | $7.69 Million | ▼ -88.5% |
| 2013 | 2.50x | $17.82 Million | $7.13 Million | ▲ +392.3% |
| 2012 | 0.51x | $3.47 Million | $6.84 Million | ▼ -64.0% |
| 2011 | 1.41x | $7.36 Million | $5.22 Million | ▼ -30.0% |
| 2010 | 2.01x | $11.26 Million | $5.59 Million | ▲ +468.1% |
| 2009 | -0.55x | $-2.86 Million | $5.23 Million | ▼ -122.0% |
| 2008 | 2.49x | $12.71 Million | $5.11 Million | ▲ +385.5% |
| 2007 | 0.51x | $2.90 Million | $5.66 Million | ▼ -67.9% |
| 2006 | 1.60x | $10.00 Million | $6.26 Million | ▲ +10.2% |
| 2005 | 1.45x | $9.05 Million | $6.24 Million | ▼ -48.9% |
| 2004 | 2.84x | $16.56 Million | $5.84 Million | ▲ +226.1% |
| 2003 | 0.87x | $4.69 Million | $5.39 Million | ▼ -21.5% |
| 2002 | 1.11x | $5.74 Million | $5.18 Million | ▲ +721.2% |
| 2001 | -0.18x | $-862.52K | $4.83 Million | ▼ -118.4% |
| 2000 | 0.97x | $4.66 Million | $4.80 Million | ▼ -4.7% |
| 1999 | 1.02x | $4.16 Million | $4.08 Million | ▲ +6.0% |
| 1998 | 0.96x | $4.38 Million | $4.55 Million | — |