Union Bankshares Inc (UNB) — 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. Explore UNB strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Union Bankshares Inc Cash Flow Quality Index (1998–2024)
Historical Cash Flow Quality Index for Union Bankshares Inc across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check UNB intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Union Bankshares Inc (1998–2024)
Year-by-year earnings quality comparison for Union Bankshares Inc. For live market cap and the full company financial profile, see Union Bankshares Inc (UNB) market capitalisation.
| 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 | — |