--- title: "Union Bankshares | 8-K: FY2025 Q4 Revenue: USD 22.48 M" type: "News" locale: "zh-CN" url: "https://longbridge.com/zh-CN/news/275016728.md" datetime: "2026-02-05T18:27:23.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/275016728.md) - [en](https://longbridge.com/en/news/275016728.md) - [zh-HK](https://longbridge.com/zh-HK/news/275016728.md) --- > 支持的语言: [English](https://longbridge.com/en/news/275016728.md) | [繁體中文](https://longbridge.com/zh-HK/news/275016728.md) # Union Bankshares | 8-K: FY2025 Q4 Revenue: USD 22.48 M Revenue: As of FY2025 Q4, the actual value is USD 22.48 M. EPS: As of FY2025 Q4, the actual value is USD 0.6. EBIT: As of FY2025 Q4, the actual value is USD -8.138 M. #### Net Income For the full year 2025, Union Bankshares, Inc. delivered consolidated net income of $11.1 million, or $2.43 per share, compared to $8.8 million, or $1.94 per share, in 2024. The net income for the fourth quarter of 2025 was $2.7 million, down from $3.0 million in the same period of 2024. For the twelve months ended December 31, 2025, net income was $11,080 thousand, an increase from $8,761 thousand for the twelve months ended December 31, 2024. For the three months ended December 31, 2025, net income was $2,748 thousand, compared to $3,001 thousand for the three months ended December 31, 2024. #### Interest Income and Expense Interest income rose to $75.8 million in 2025 from $68.0 million in 2024. Interest expense increased to $32.8 million from $29.6 million. These changes resulted in a $4.7 million, or 12.1%, improvement in net interest income year over year. For the twelve months ended December 31, 2025, interest income was $75,788 thousand, up from $67,954 thousand in 2024, while interest expense was $32,768 thousand, up from $29,590 thousand in 2024. Net interest income for the full year 2025 was $43,020 thousand, compared to $38,364 thousand in 2024. For the fourth quarter of 2025, interest income was $19,565 thousand (Q4 2024: $18,590 thousand), interest expense was $8,417 thousand (Q4 2024: $8,148 thousand), and net interest income was $11,148 thousand (Q4 2024: $10,442 thousand). #### Credit Loss Expense Credit loss expense declined to $774 thousand in 2025 from $930 thousand in 2024. For the fourth quarter of 2025, credit loss expense was $5 thousand, significantly down from $347 thousand in the fourth quarter of 2024. #### Noninterest Income Noninterest income reached $11.5 million in 2025, supported by mortgage banking gains of $2.1 million, compared to $1.7 million in 2024. Total noninterest income for the full year 2025 was $10,275 thousand, compared to $9,949 thousand in 2024. Wealth Management Income for the full year 2025 was $1,187 thousand, up from $1,067 thousand in 2024. For the fourth quarter of 2025, noninterest income was $2,594 thousand, compared to $2,512 thousand in the fourth quarter of 2024. #### Noninterest Expenses Noninterest expenses rose to $41.7 million in 2025 from $38.0 million in 2024, reflecting higher salaries and benefits as well as occupancy and equipment costs. For the full year 2025, total noninterest expenses were $41,700 thousand, compared to $38,027 thousand in 2024. Salaries & Wages were $17,452 thousand in 2025 (2024: $15,678 thousand), Employee Benefits were $6,479 thousand (2024: $5,716 thousand), Occupancy Expense, net was $2,335 thousand (2024: $2,194 thousand), Equipment Expense was $4,381 thousand (2024: $3,992 thousand), and Other Expenses were $11,053 thousand (2024: $10,447 thousand). For the fourth quarter of 2025, total noninterest expenses were $11,046 thousand, up from $9,614 thousand in the fourth quarter of 2024. #### Balance Sheet Total assets ended 2025 at $1.62 billion, up 5.8% from $1.52 billion in 2024. Investment securities increased to $328.3 million from $252.3 million. Loans grew modestly to $1.2 billion. Secondary-market sales of qualifying mortgages totaled $143.5 million in 2025, up from $113.5 million in 2024. The allowance for credit losses increased to $8.4 million from $7.7 million. Total deposits were $1.21 billion, including $10.2 million of brokered deposits. The company utilized $286.5 million in FHLB advances. Total assets at December 31, 2025, were $1,617,191 thousand, compared to $1,528,358 thousand at December 31, 2024. Loans, net were $1,176,800 thousand at December 31, 2025, compared to $1,157,898 thousand at December 31, 2024. Total deposits at December 31, 2025, were $1,214,982 thousand, compared to $1,168,894 thousand at December 31, 2024. #### Stockholders’ Equity Book value per share increased 19.7% to $17.53 from $14.65. Retained earnings were $96.2 million. Additional paid-in capital grew to $4.6 million following sales of 56,260 shares with net proceeds of $1.2 million. The accumulated other comprehensive loss position improved to - $25.9 million versus - $34.0 million in 2024. #### Dividends The Board declared a quarterly cash dividend of $0.36 per share. #### Outlook Union Bankshares, Inc. expresses confidence that the positive trends observed in 2025 can continue, supported by its strong credit culture, careful balance-sheet positioning, and deep community relationships. The company acknowledges that it will navigate the same uncertainties as its industry peers but enters the new year with momentum and a clear strategy to deliver long-term value. ### 相关股票 - [Union Bankshares (UNB.US)](https://longbridge.com/zh-CN/quote/UNB.US.md) ## 相关资讯与研究 - [Union Bankshares Inc. announces $0.36 quarterly dividend](https://longbridge.com/zh-CN/news/273274508.md) - [Union Bankshares (NASDAQ:UNB) Issues Earnings Results](https://longbridge.com/zh-CN/news/275020999.md) - [Key facts: Bunge Increases Securitization to $2.0B; 8-K on Obligation](https://longbridge.com/zh-CN/news/281659964.md) - [UniCredit - As of YE25 group MREL subordinated eligible liabilities equal to 22.7% of RWA, 7.4% of LRE](https://longbridge.com/zh-CN/news/281400458.md) - [374Water Reports Full Year 2025 Results | SCWO Stock News](https://longbridge.com/zh-CN/news/281240408.md)