Union Bankshares, Inc. UNB R2K

Financial Services · Banks - Regional · United States

https://www.ublocal.com

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. The company was founded in 1891 and is headquartered in Morrisville, Vermont.

Market & Price

Market Cap

$106.58M

Current Price

$23.10

High / Low (52W)

$27.88 / $20.88

Beta

0.31

Valuation

Stock P/E

9.20

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$17.53

Price to Book

1.32

P/S

1.93

EV/EBITDA

Dividend Yield

6.20%

Profitability & Returns

ROCE

ROE

15.38%

ROA

0.73%

Profit Margin

20.94%

Op Margin

23.61%

EPS (Latest Qtr)

$0.65

EPS (TTM)

$2.51

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$327.30M

Total Assets

$1.62B

Current Assets

Working Capital

Ownership

Promoter Holding

27.84%

Chg in Prom Hold

FII / Inst Holding

20.30%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$396.10M

Total Revenue (TTM)

$55.32M

EBITDA

Free Cash Flow

Operating Cash Flow

$15.79M

Shares Outstanding

4.61M

Gross Margin

0.00%

Payout Ratio

57.37%

Growth (CAGR)

Revenue 5Y

3.58%

Profit 5Y

-4.23%

Revenue (YoY)

13.10%

Earnings (YoY)

18.20%

PROS

Excellent profit margin of 20.9%.
Attractive dividend yield of 6.20%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -4.2% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	UNB Union Bankshares, Inc. R2K	23.10	9.20	$106.58M	6.20%	-	15.38%	3.58%	-4.23%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12.42M	12.91M	14.16M	13.72M	13.42M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.03M	8.28M	8.05M	8.42M	8.23M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.65M	2.50M	3.85M	3.01M	3.33M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	150.00K	102.00K	414.00K	262.00K	328.00K
Net Income	2.14M	2.27M	2.35M	1.93M	2.23M	2.37M	1.92M	2.75M	2.45M	2.31M	-436.00K	2.62M	2.53M	2.74M	2.76M	2.20M	2.67M	4.15M	3.79M	2.88M	2.99M	3.92M	3.38M	2.48M	2.93M	3.76M	3.44M	2.98M	2.70M	2.53M	3.05M	2.42M	2.02M	-	-	2.50M	2.40M	3.44M	2.75M	3.00M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.49	0.59	0.92	0.85	0.64	0.66	0.87	0.75	0.55	0.65	0.83	0.76	0.66	0.60	0.55	0.67	0.53	0.45	-	-	0.55	0.53	0.75	0.60	0.65

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	47.90M	46.84M	46.83M	53.23M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	4.52M	19.27M	29.59M	32.77M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	15.25M	12.88M	9.13M	12.01M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	2.63M	1.62M	369.00K	928.00K
Net Income	5.59M	5.22M	6.84M	7.13M	7.69M	7.88M	8.51M	8.45M	7.07M	10.65M	12.80M	-	12.62M	11.26M	8.76M	11.08M
Diluted EPS	-	-	-	-	-	-	-	-	-	2.38	2.85	2.94	2.81	2.50	1.94	-

Compounded Sales Growth

5 Years:	3.58%
1 Year:	13.10%

Compounded Profit Growth

5 Years:	-4.23%
1 Year:	18.20%

Stock Price Performance

1 Year:	-17.14%
6 Months:	+3.00%
3 Months:	+0.82%
1 Month:	-7.60%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	453.00M	552.75M	577.26M	585.44M	624.06M	628.88M	691.38M	745.83M	805.34M	872.91M	1.09B	-	1.34B	1.47B	1.53B	1.62B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	20.93M	19.12M	14.63M	13.61M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	411.27M	512.41M	532.21M	535.62M	572.63M	575.31M	635.10M	687.17M	740.85M	801.07M	1.01B	-	1.28B	1.40B	1.46B	1.54B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	66.20M	81.94M	275.97M	302.79M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	66.20M	81.94M	275.97M	302.79M
Total Equity	41.18M	41.73M	40.34M	45.05M	49.82M	51.43M	53.57M	56.28M	58.66M	64.49M	71.84M	80.87M	-	55.22M	65.81M	66.48M	80.86M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	4.98M	5.00M	5.01M	5.08M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	11.26M	7.36M	3.47M	17.82M	2.20M	13.13M	7.64M	9.87M	16.76M	11.64M	-7.06M	-	29.03M	9.19M	12.15M	17.23M
Investing Cash Flow	-20.37M	-22.63M	-148.00K	-34.98M	-22.15M	-34.85M	-40.72M	-55.34M	-67.98M	-48.93M	-125.91M	-	-207.58M	-82.25M	-124.83M	-88.33M
Financing Cash Flow	1.27M	25.36M	18.80M	1.37M	30.97M	-2.07M	54.39M	44.71M	50.00M	51.13M	204.61M	-	150.51M	112.84M	50.85M	67.57M
Capital Expenditure	-896.00K	-1.50M	-2.02M	-1.29M	-2.17M	-2.29M	-1.94M	-1.99M	-3.07M	-6.42M	-1.01M	-	-665.00K	-1.95M	-1.07M	-1.25M
Free Cash Flow	10.36M	5.86M	1.45M	16.53M	34.00K	10.84M	5.71M	7.88M	13.69M	5.23M	-8.07M	-	28.37M	7.25M	11.08M	15.97M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-28.04M	39.78M	-61.83M	-3.54M
Share Buybacks	99.00K	0	36.00K	21.00K	45.00K	94.00K	6.00K	60.00K	107.00K	13.00K	0	2.00K	79.00K	130.00K	0	-

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	26.3%	24.0%	18.7%	20.8%
ROE %	13.4%	12.9%	15.2%	14.3%	15.0%	14.7%	15.1%	14.4%	11.0%	14.8%	15.8%	-	22.8%	17.1%	13.2%	13.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

27.84%

Institutions

20.30%

Public Float

28.14%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	4.34%	200.03K	$4.62M
2	Vanguard Capital Management LLC	3.24%	149.47K	$3.45M
3	Cardinal Capital Management	2.22%	102.56K	$2.37M
4	Geode Capital Management, LLC	1.92%	88.48K	$2.04M
5	Northern Trust Corporation	1.03%	47.64K	$1.10M
6	Dimensional Fund Advisors LP	0.89%	41.05K	$948.30K
7	Cannell & Spears LLC	0.87%	40.17K	$927.90K
8	State Street Corporation	0.79%	36.58K	$844.88K
9	TRUST CO OF VERMONT	0.64%	29.32K	$677.36K
10	Goldman Sachs Group Inc	0.63%	29.11K	$672.35K

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