Union Bankshares, Inc.

Union Bankshares, Inc.

UNB
Union Bankshares, Inc.US flagNASDAQ Global Market
25.12
USD
-0.37
- -
115.90MMarket Cap
Union Bankshares, Inc.
UNB
(NASDAQ Global Market)

Recent

price

25.12

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.48
5.89
7.08
6.67
6.95
7.22
7.69
7.93
8.35
8.93
10.45
10.66
10.67
10.4
10.37
11.67
8.89
Revenue per Share
1.25
1.17
1.54
1.6
1.73
1.77
1.91
1.89
1.58
2.38
2.86
2.94
2.81
2.5
1.94
2.43
1.98
Basic EPS, GAAP
2.32
1.32
0.33
3.71
0.01
2.44
1.28
1.76
3.06
1.17
-1.8
5.73
6.32
1.61
2.45
3.5
3.21
Free Cash Flow per Basic Share
1
1
1
1.01
1.04
1.08
1.11
1.15
1.19
1.23
1.27
1.31
1.39
1.42
1.43
1.42
1.05
Dividend per Share
10.65
10.82
11.39
11.94
12.66
13.34
14.13
15.01
15.37
16.52
18.09
19.71
21.08
22.09
22.53
23.34
- -
Book Value per Share
9.36
8.19
9.31
10.39
10.82
11.33
11.96
12.49
13.91
15.56
17.57
18.83
12.3
14.61
14.72
17.73
- -
Tangible Book Value per Share
4
4
4
4
4
4
4
4
4
4
4
4
4
5
5
5
5
Basic Weighted Avg Shares
24
26
31
30
31
32
34
35
37
40
47
48
48
47
47
53
41
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
2
2
2
2
2
2
2
1
Depreciation Expense
6
5
7
7
8
8
9
8
7
11
13
13
13
11
9
11
9
Net Income, GAAP
23.35
17.66
19.55
20.7
20.41
25.26
23.39
29.9
15.25
14.67
15.89
16.73
17.26
12.58
4.04
7.73
9.85
Effective Tax Rate (%)
22.86
19.86
21.75
23.99
24.89
24.52
24.83
23.83
18.92
26.66
27.36
27.57
26.34
24.03
18.71
20.82
22.24
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
29
29
16
13
15
10
32
32
28
47
7
16
66
82
276
303
- -
LT Debt
42
40
45
50
51
54
56
59
64
72
81
84
55
66
66
81
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.91
10.91
13.85
13.74
14.04
13.62
13.91
12.99
10.41
14.92
16.53
15.56
13.79
11.6
8.71
10.65
17.77
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
303
327
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
- -
Market Capitalization
108
111
113

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
255
245
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.48%
2.32%
21.64%
Free Cash Flow
-63.69%
-77.04%
44.15%
Net Income, GAAP
5.4%
-1.56%
26.47%
Sales/Revenue/Turnover
5.34%
2.75%
13.67%
Total Cash Common Dividend
3.02%
2.66%
0.57%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
12
12
11
13
47
2025
12
13
14
14
53
2026
13
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.53
0.45
0.29
0.67
1.94
2025
0.55
0.53
0.75
0.6
2.43
2026
0.65
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.35
0.36
0.35
0.36
1.43
2025
0.36
0.36
0.35
0.36
1.42
2026
0.35
- -
- -
- -
- -
Business
Union Bankshares, Inc. (NASDAQ: UNB) serves as the bank holding company for Union Bank, a full-service community bank offering retail, commercial, municipal banking, and wealth management services throughout northern Vermont and New Hampshire; retail products include personal checking, savings, money market, IRA/SEP/Keogh, health savings accounts, and certificates of deposit, while commercial offerings encompass real estate loans, construction loans, loans for plant and equipment, working capital, business purposes, small business administration guaranteed loans, residential mortgages, home improvement loans, overdraft privileges, business checking accounts, standby letters of credit, merchant credit card services, remote deposit capture, online cash management including account reconciliation, automated clearing house origination, wire transfers, positive pay, safe deposit boxes, ATM and debit cards, telephone, internet, mobile banking with bill pay, and fiduciary, trust, and asset management services through its Asset Management Group. Founded in 1891 and headquartered in Morrisville, Vermont, the company operates 18 banking offices, three loan centers, and multiple ATMs, maintaining $1.6 billion in consolidated assets, $1.2 billion in net loans, and $1.2 billion in deposits as of September 30, 2025, with a focus on individuals, small- and medium-sized businesses, partnerships, sole proprietorships, nonprofits, local municipalities, and school districts. Recent developments include strong financial performance with Q3 2025 net income of $3.4 million, up significantly from $1.3 million in Q3 2024, driven by 5.1% loan growth to $1.18 billion and increased residential loan sales to the secondary market; a balance sheet repositioning of its investment securities portfolio completed in 2024; a change in independent auditor from Berry, Dunn, McNeil & Parker, LLC to BDMP Assurance, LLP effective for the fiscal year ending December 31, 2025; an update to its Insider Trading Policy; and the appointment of a new director to its subsidiary board in November 2025.

Company News

APIChatGPT
  • Union Bankshares Announces Earnings for the three and six months ended June 30, 2026 and Declares Quarterly Dividend

  • Union Bankshares (NASDAQ:UNB) Shares Pass Above Fifty Day Moving Average – Time to Sell?

  • Union Bankshares: Small, But Steady

  • Union Bankshares Announces Earnings for the three months ended March 31, 2026 and Declares Quarterly Dividend

  • Union Bankshares (NASDAQ:UNB) Stock Price Crosses Below 200 Day Moving Average – Should You Sell?

  • Valley National Bancorp (NASDAQ:VLY) & Union Bankshares (NASDAQ:UNB) Head to Head Comparison

  • Reviewing TrustCo Bank Corp NY (NASDAQ:TRST) and Union Bankshares (NASDAQ:UNB)

  • Analyzing Winchester Bancorp (NASDAQ:WSBK) and Union Bankshares (NASDAQ:UNB)

  • Union Bankshares: I Trust The 5.8% Dividend Yield

  • Head-To-Head Survey: Carter Bankshares (NASDAQ:CARE) vs. Union Bankshares (NASDAQ:UNB)

  • Union Bankshares Announces Earnings for the three months and year ended December 31, 2025 and Declares Quarterly Dividend

  • Hanover Bancorp (NASDAQ:HNVR) & Union Bankshares (NASDAQ:UNB) Head to Head Analysis

  • Head to Head Comparison: Flagstar Bank, National Association (NYSE:FLG) and Union Bankshares (NASDAQ:UNB)

  • Contrasting Metropolitan Bank (NYSE:MCB) and Union Bankshares (NASDAQ:UNB)

  • Union Bankshares Announces Earnings for the three and nine months ended September 30, 2025 and Declares Quarterly Dividend

  • Acadian Timber Corp. Announces $2.5M Investment in UNB's Digital Forestry Program

  • Union Bankshares (UNB) Q2 Net Jumps 19%

  • Union Bankshares: Do Not Be Drawn To The High Dividend Yield

  • Union Bankshares Announces Earnings for the three and six months ended June 30, 2025 and Declares Quarterly Dividend

  • Union Bankshares Announces Earnings for the three months and year ended December 31, 2024 and Declares Quarterly Dividend