Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to equity ratio high or low?
The debt to equity ratio of 3.91 is 73% above its 5-year average of 2.26, near the high end of its 5-year range (0.09–4.15).
As of the fiscal period ended Tuesday, June 30, 2026. 0.54% above its 12-month average of 3.89.
Reported quarterly debt to equity ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 3.91.
DEBT TO EQUITY RATIO
3.91
DEBT TO EQUITY RATIO AVG TTM
3.89
DEBT TO EQUITY RATIO AVG 3Y
3.33
DEBT TO EQUITY RATIO AVG 5Y
2.26
DEBT TO EQUITY RATIO AVG 10Y
1.41
DEBT TO EQUITY RATIO AVG 15Y
0.51
DEBT TO EQUITY RATIO AVG 20Y
0.53
CURRENT VS TTM AVG
+0.54%
CURRENT VS 3Y AVG
+17.43%
CURRENT VS 5Y AVG
+73.29%
CURRENT VS 10Y AVG
+176.59%
CURRENT VS 15Y AVG
+668.66%
CURRENT VS 20Y AVG
+639.17%
SECTOR MEDIAN · FINANCIAL SERVICES
0.28
median of 700 covered companies
CURRENT VS SECTOR MEDIAN
+1296.05%
vs the sector median at left
Union Bankshares, Inc.
Market Cap
$105.66M
Debt to Equity Ratio
3.91
TTM Avg
3.89
3Y Avg
3.33
5Y Avg
2.26
Market Cap
$105.42M
Debt to Equity Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$105.14M
Debt to Equity Ratio
0.12
TTM Avg
0.30
3Y Avg
0.44
5Y Avg
0.36
Market Cap
$106.56M
Debt to Equity Ratio
0.00
TTM Avg
0.00
3Y Avg
0.00
5Y Avg
1.70
Market Cap
$104.59M
Debt to Equity Ratio
0.00
TTM Avg
0.00
3Y Avg
0.00
5Y Avg
0.00
Market Cap
$107.32M
Debt to Equity Ratio
0.00
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.35M
Debt to Equity Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.64M
Debt to Equity Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$108.34M
Debt to Equity Ratio
0.00
TTM Avg
16.86
3Y Avg
16.86
5Y Avg
16.86
| NAME | MARKET CAP | DEBT TO EQUITY RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Union Bankshares, Inc. (UNB) | $105.66M | 3.91 | 3.89 | 3.33 | 2.26 |
| Maywood Acquisition Corp. 2 Class A Ordinary Share (MYX)vs › | $105.42M | N/A | N/A | N/A | N/A |
| Sound Financial Bancorp, Inc. (SFBC)vs › | $105.14M | 0.12 | 0.30 | 0.44 | 0.36 |
| Twelve Seas Investment Company II (TWLV)vs › | $106.56M | 0.00 | 0.00 | 0.00 | 1.70 |
| ChampionsGate Acquisition Corporation Class A Ordinary Share (CHPG)vs › | $104.59M | 0.00 | 0.00 | 0.00 | 0.00 |
| BHAV Acquisition Corp Class A Ordinary Shares (BHAV)vs › | $107.32M | 0.00 | N/A | N/A | N/A |
| Research Alliance Corporation III Class A Ordinary Shares (RACC)vs › | $107.35M | N/A | N/A | N/A | N/A |
| TCGX Acquisition Corp. Class A Ordinary Shares (TCGX)vs › | $107.64M | N/A | N/A | N/A | N/A |
| Quartzsea Acquisition Corporation (QSEA)vs › | $108.34M | 0.00 | 16.86 | 16.86 | 16.86 |
| Broadway Financial Corp. (BYFC)vs › | $108.87M | 0.67 | 0.80 | 0.97 | 1.21 |
Debt/Equity
3.91
Current ratio is unavailable for Union Bankshares, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Debt to Equity measures financial leverage by comparing total debt to shareholders' equity.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO EQUITY RATIO |
|---|---|
| 2026-06-30 | 3.91 |
| 2026-03-31 | 4.06 |
| 2025-12-31 | 3.74 |
| 2025-09-30 | 3.70 |
| 2025-06-30 | 4.03 |
| 2025-03-31 | 3.67 |
| 2024-12-31 | 4.15 |
| 2024-09-30 | 3.55 |
| 2024-06-30 | 4.11 |
| 2024-03-31 | 2.62 |
| 2023-12-31 | 1.25 |
| 2023-09-30 | 2.17 |
| 2023-06-30 | 2.32 |
| 2023-03-31 | 1.01 |
| 2022-12-31 | 1.20 |
| 2022-09-30 | 0.83 |
| 2022-06-30 | 0.27 |
| 2022-03-31 | 0.23 |
| 2021-12-31 | 0.19 |
| 2021-09-30 | 0.28 |
| 2021-06-30 | 0.09 |
| 2021-03-31 | 0.09 |
| 2020-12-31 | 0.09 |
| 2020-09-30 | 0.12 |
| 2020-06-30 | 0.13 |
| 2020-03-31 | 0.84 |
| 2019-12-31 | 0.66 |
| 2019-09-30 | 0.67 |
| 2019-06-30 | 0.62 |
| 2019-03-31 | 0.57 |
| 2018-12-31 | 0.43 |
| 2018-09-30 | 0.69 |
| 2018-06-30 | 1.15 |
| 2018-03-31 | 0.53 |
| 2017-12-31 | 0.54 |
| 2017-09-30 | 0.55 |
| 2017-06-30 | 0.62 |
| 2017-03-31 | 0.55 |
| 2016-12-31 | 0.58 |
| 2016-09-30 | 0.66 |
| 2016-06-30 | 0.50 |
| 2016-03-31 | 0.40 |
| 2015-12-31 | 0.21 |
| 2015-09-30 | 0.32 |
| 2015-06-30 | 0.58 |
| 2015-03-31 | 0.35 |
| 2014-12-31 | 0.33 |
| 2014-09-30 | 0.28 |
| 2014-06-30 | 0.48 |
| 2014-03-31 | 0.27 |
| 2013-12-31 | 0.29 |
| 2013-09-30 | 0.30 |
| 2013-06-30 | 0.44 |
| 2013-03-31 | 0.32 |
| 2012-12-31 | 0.44 |
| 2012-09-30 | 0.61 |
| 2012-06-30 | 0.58 |
| 2012-03-31 | 0.67 |
| 2011-12-31 | 0.72 |
| 2011-09-30 | 0.61 |
| 2011-06-30 | 0.78 |
| 2011-03-31 | 0.64 |
| 2010-12-31 | 0.69 |
| 2010-09-30 | 0.59 |
| 2010-06-30 | 0.61 |
| 2010-03-31 | 0.66 |
| 2009-12-31 | 0.75 |
| 2009-09-30 | 0.64 |
| 2009-06-30 | 0.72 |
| 2009-03-31 | 0.70 |
| 2008-12-31 | 0.70 |
| 2008-09-30 | 0.67 |
| 2008-06-30 | 0.67 |
| 2008-03-31 | 0.59 |
| 2007-12-31 | 0.48 |
| 2007-09-30 | 0.35 |
| 2007-06-30 | 0.45 |
| 2007-03-31 | 0.37 |
| 2006-12-31 | 0.35 |
| 2006-09-30 | 0.45 |
| 2006-06-30 | 0.49 |
| 2006-03-31 | 0.38 |
| 2005-12-31 | 0.39 |
| 2005-09-30 | 0.33 |
| 2005-06-30 | 0.34 |
| 2005-03-31 | 0.23 |
| 2004-12-31 | 0.19 |
| 2004-09-30 | 0.16 |
| 2004-06-30 | 0.32 |
| 2004-03-31 | 0.25 |
| 2003-12-31 | 0.18 |
| 2003-09-30 | 0.19 |
| 2003-06-30 | 0.20 |
| 2003-03-31 | 0.18 |
| 2002-12-31 | 0.19 |
| 2002-09-30 | 0.30 |
