Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $8.51M | $8.45M | $7.07M | $10.6M | $12.8M | $13.2M | $12.6M | $11.3M | $8.76M | $11.1M |
| EPS (diluted) | — | — | — | $2.38 | $2.85 | $2.92 | $2.79 | $2.48 | $1.92 | $2.41 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $7.64M | $9.87M | $16.8M | $11.6M | -$7.06M | $29.2M | $29.0M | $9.19M | $12.2M | $17.2M |
| Capital expenditures | $1.94M | $1.99M | $3.07M | $6.42M | $1.01M | $3.51M | $665K | $1.95M | $1.07M | $1.25M |
| Free cash flow | $5.71M | $7.88M | $13.7M | $5.23M | -$8.07M | $25.7M | $28.4M | $7.25M | $11.1M | $16.0M |
| Share buybacks | $6.00K | $60.0K | $107K | $13.0K | $0.00 | $2.00K | $79.0K | $130K | $0.00 | — |
| Dividends paid | $4.94M | $5.15M | $5.33M | $5.50M | $5.73M | $5.92M | $6.30M | $6.49M | $6.51M | $6.55M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | $37.3M | $51.1M | $123M | $65.9M | $37.9M | $77.7M | $15.8M | $12.3M |
| Total assets | $691M | $746M | $805M | $873M | $1.09B | $1.21B | $1.34B | $1.47B | $1.53B | $1.62B |
| Total liabilities | $635M | $687M | $741M | $801M | $1.01B | $1.12B | $1.28B | $1.40B | $1.46B | $1.54B |
| Shareholders' equity | $56.3M | $58.7M | $64.5M | $71.8M | $80.9M | $84.3M | $55.2M | $65.8M | $66.5M | $80.9M |
| Retained earnings | $53.1M | $57.2M | $58.9M | $64.0M | $71.1M | $78.3M | $84.7M | $89.5M | $91.7M | $96.2M |
| Shares (wtd avg diluted) | 4.46M | 4.46M | 4.47M | 4.47M | 4.47M | 4.51M | 4.51M | 4.54M | 4.55M | 4.59M |
Every figure is extracted from UNION BANKSHARES INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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