Union Bankshares Inc (UNB) — Defensive Interval Ratio
Union Bankshares Inc (UNB) has a Defensive Interval Ratio of 49 days as of September 2025. Defensive assets of $160.80 Million (cash $-, short-term investments $160.80 Million, receivables $-) cover 49 days of daily cash needs of $3.26 Million/day. Check Union Bankshares Inc tangible book value ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Union Bankshares Inc Defensive Interval Ratio (1998–2024)
This chart shows how Union Bankshares Inc's Defensive Interval Ratio has evolved across 27 annual periods from 1998 to 2024. As of September 2025, the ratio stands at 49 days, meaning defensive assets of $160.80 Million can fund 49 days of operations without new revenue. Also explore UNB shareholders equity momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Union Bankshares Inc (1998–2024)
The table below presents the year-by-year Defensive Interval Ratio for Union Bankshares Inc from 1998 to 2024, covering 27 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see UNB market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 54 days | $174.29 Million | $3.20 Million/day | $- | $174.29 Million | ▼ -19 days |
| 2023 | 74 days | $264.38 Million | $3.58 Million/day | $- | $264.38 Million | ▼ -8536 days |
| 2022 | 8609 days | $308.01 Million | $35.78K/day | $- | $250.27 Million | ▼ -2985 days |
| 2021 | 11594 days | $310.25 Million | $26.76K/day | $- | $267.82 Million | ▲ +11542 days |
| 2020 | 52 days | $142.53 Million | $2.75 Million/day | $- | $105.76 Million | ▼ -7 days |
| 2019 | 59 days | $120.99 Million | $2.07 Million/day | $- | $87.39 Million | ▲ +20 days |
| 2018 | 39 days | $76.22 Million | $1.95 Million/day | $- | $73.41 Million | ▼ -4313 days |
| 2017 | 4352 days | $92.65 Million | $21.29K/day | $- | $65.44 Million | ▼ -1122 days |
| 2016 | 5475 days | $91.67 Million | $16.75K/day | $- | $65.56 Million | ▲ +112 days |
| 2015 | 5362 days | $78.44 Million | $14.63K/day | $- | $54.11 Million | ▲ +5331 days |
| 2014 | 31 days | $47.60 Million | $1.53 Million/day | $- | $45.75 Million | ▲ +6 days |
| 2013 | 25 days | $35.94 Million | $1.44 Million/day | $- | $34.28 Million | ▲ +9 days |
| 2012 | 16 days | $22.17 Million | $1.43 Million/day | $- | $20.63 Million | ▼ -18 days |
| 2011 | 34 days | $44.76 Million | $1.32 Million/day | $- | $42.95 Million | ▲ +10 days |
| 2010 | 23 days | $24.45 Million | $1.04 Million/day | $- | $22.89 Million | ▼ -17 days |
| 2009 | 41 days | $41.80 Million | $1.02 Million/day | $- | $40.17 Million | ▲ +3 days |
| 2008 | 38 days | $38.27 Million | $1.01 Million/day | $- | $36.33 Million | ▲ +22 days |
| 2007 | 16 days | $14.56 Million | $903.31K/day | $- | $12.48 Million | ▼ -3 days |
| 2006 | 19 days | $16.68 Million | $885.79K/day | $- | $14.68 Million | ▲ +6 days |
| 2005 | 12 days | $10.76 Million | $867.92K/day | $- | $8.79 Million | ▼ -3 days |
| 2004 | 16 days | $13.22 Million | $847.10K/day | $- | $11.70 Million | ▲ +5 days |
| 2003 | 11 days | $9.09 Million | $848.45K/day | $- | $7.44 Million | ▼ -10 days |
| 2002 | 21 days | $16.93 Million | $802.75K/day | $- | $15.04 Million | ▲ +3 days |
| 2001 | 18 days | $14.37 Million | $782.80K/day | $- | $12.33 Million | ▲ +11 days |
| 2000 | 8 days | $5.39 Million | $708.87K/day | $- | $2.79 Million | ▲ +5 days |
| 1999 | 3 days | $2.20 Million | $713.38K/day | $- | $- | ▼ 0 days |
| 1998 | 3 days | $2.11 Million | $681.97K/day | $- | $- | — |