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Union Bankshares, Inc. UNB R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.ublocal.com
Company Profile ↓
$23.04
-11.70% 1Y
Mkt Cap$113.95M
P/E8.90
P/B1.27
Div. Yield6.01%
52W High$26.09
52W Low$20.58
Book Value$18.86
EPS (TTM)$2.59

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 8.9, below the sector median of 13.6.

Healthy Margins

Maintains a net profit margin of 21.2%.

Dividend Income

Offers a dividend yield of 6.01%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +13.1%, earnings +15.4%.
  • 5-Year Trend Long-term compounding — profit CAGR 4.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:13.10%

Compounded Profit Growth

5 Years:4.67%
1 Year:15.40%

Stock Price Performance

1 Year:-11.70%
6 Months:-4.32%
3 Months:-2.47%
1 Month:-1.98%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 45% of range
$20.58 $26.09
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • Death Cross6d ago
  • RSI (14)47.39 · Neutral
Price Performance
1M-1.98%
3M-2.47%
6M-4.32%
1Y-11.70%
Valuation vs Sector

P/E of 8.90 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 21.2%.
  • Attractive dividend yield of 6.01%.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
8.90
Industry PE
13.55
Forward P/E est.
7.71
PEG Ratio
-
Book Value
$18.86
Price to Book
1.27
P/S
2.08
EV/EBITDA
-
Dividend Yield
6.01%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
4.67%
Revenue (YoY)
13.10%
Earnings (YoY)
15.40%

Profitability & Returns

ROCE
-
ROE
14.98%
ROA
0.80%
Profit Margin
21.24%
Op Margin
21.96%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.60
EPS (TTM)
$2.59

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$353.40M
Total Assets
$1.56B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
26.00%
Chg in Prom Hold
0.02%
FII / Inst Holding
16.04%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$113.95M
Total Revenue (TTM)
$57.03M
EBITDA
-
Free Cash Flow
$15.97M
Operating Cash Flow
$22.42M
Shares Outstanding
4.95M
Gross Margin
0.00%
Payout Ratio
55.60%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UNB Union Bankshares, Inc. R2KFINANCIAL 23.04 8.90 $113.95M 6.01% - 14.98% - 4.67%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Net Income 2.27M2.35M1.93M2.23M2.37M1.92M2.75M2.45M2.31M-436.00K2.62M2.53M2.74M2.76M2.20M2.67M4.15M3.79M2.88M2.99M3.92M3.38M2.48M2.93M3.76M3.44M2.98M2.70M2.53M3.05M2.42M2.02M1.32M3.00M2.50M2.40M3.44M2.75M3.00M2.92M
Diluted EPS --------------0.490.590.920.850.640.660.870.750.550.650.830.760.660.600.550.670.530.450.290.650.550.520.750.590.650.60

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 5.59M5.22M6.84M7.13M7.69M7.88M8.51M8.45M7.07M10.65M12.80M13.17M12.62M11.26M8.76M11.08M
Diluted EPS ---------2.382.852.922.792.481.922.41

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -453.00M552.75M577.26M585.44M624.06M628.88M691.38M745.83M805.34M872.91M1.09B1.21B1.34B1.47B1.53B1.62B
Total Equity 41.18M41.73M40.34M45.05M49.82M51.43M53.57M56.28M58.66M64.49M71.84M80.87M84.34M55.22M65.81M66.48M80.86M
Total Liabilities -411.27M512.41M532.21M535.62M572.63M575.31M635.10M687.17M740.85M801.07M1.01B1.12B1.28B1.40B1.46B1.54B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 11.26M7.36M3.47M17.82M2.20M13.13M7.64M9.87M16.76M11.64M-7.06M29.19M29.03M9.19M12.15M17.23M
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-190.01M-207.58M-82.25M-124.83M-88.33M
Financing Cash Flow 1.27M25.36M18.80M1.37M30.97M-2.07M54.39M44.71M50.00M51.13M204.61M103.97M150.51M112.84M50.85M67.57M
Capital Expenditure -896.00K-1.50M-2.02M-1.29M-2.17M-2.29M-1.94M-1.99M-3.07M-6.42M-1.01M-3.51M-665.00K-1.95M-1.07M-1.25M
Free Cash Flow 10.36M5.86M1.45M16.53M34.00K10.84M5.71M7.88M13.69M5.23M-8.07M25.68M28.37M7.25M11.08M15.97M
Share Buybacks 99.00K036.00K21.00K45.00K94.00K6.00K60.00K107.00K13.00K02.00K79.00K130.00K0-

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ----------------
ROE % 13.4%12.9%15.2%14.3%15.0%14.7%15.1%14.4%11.0%14.8%15.8%15.6%22.8%17.1%13.2%13.7%
ROCE % ----------------

Shareholding Pattern

Insiders
26.00%
Institutions
16.04%
Public Float
21.67%

Top Institutional Holders

#Holder% HeldSharesValue
1 Vanguard Capital Management LLC 3.06% 151.23K $3.46M
2 Cardinal Capital Management 2.11% 104.51K $2.39M
3 Truffle Hound Capital, LLC 1.62% 80.00K $1.83M
4 Blackrock Inc. 1.33% 65.94K $1.51M
5 Geode Capital Management, LLC 0.91% 45.22K $1.04M
6 Dimensional Fund Advisors LP 0.83% 41.05K $940.09K
7 Cannell & Spears LLC 0.81% 40.17K $919.87K
8 Millennium Management Llc 0.64% 31.71K $726.14K
9 TRUST CO OF VERMONT 0.59% 29.32K $671.50K
10 Vanguard Fiduciary Trust Co 0.45% 22.44K $513.83K

Analyst View

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Latest News

Recent headlines for UNB

Google News Fri, 23 Oct 2026

Union Bankshares (UNB) Stock Shrugs Off Q3 Earnings As Reserve Risk Lingers - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxQcDJyN0NiS05ITGFhNnM1QVJGT0JKdXNZbzktWU5iQW5UWjNTaTh6aXhwWHNrNG5hbnhtczZfeXBQMVZHQjNnZy1KeE4wMTFRZ2xnNUVWS0NPOEJBQzlqTXFOYVdXalBlNzhzR2tYXzNoWENoMi1GdE9VcDJ2Z09yNHZlQXhMYi1reVhKQm…

Google News Fri, 23 Oct 2026

Union Bankshares (UNB) Stock Q3 Earnings Clash With Rising Cost Pressure - Simply Wall Street

<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxPNnJ0UDYyRkpNdXo3cFVaNUxaSlFJRUxWRTJ5WWs3UmJMYU1sSERUYlJrYkI0cldwdC1YejJhbkdKc1pEMGQ3b19PeFVEdWxQcTk1OVVYa1pEd1NfVE12WTVFc1g1NzZfeDVULS10d0ZNdWc1bHNSU0tLT0RMTEhLLW1LMEVXZkFQVGtUOC…

Google News Wed, 21 Oct 2026

A 36-cent dividend is due Nov. 5 to Union Bankshares shareholders. - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxNc3R0dGttZ1psUXhTSkpXLXVuNzJfTW9NUDVvTlZOMzMxeUJSSjc3NE5YaG0zSDZzSlN1Um92ZF81NHNXRC1BT1RlbkNsaGstY2NjdlNyVVd0RHhwMUNBLTkyaHAwc2VVcmkyQ1pTNjFXdkVqd25Qc0kzc1ZZb2NzaWppdXlaWDluTGxmTU…

Google News Wed, 21 Oct 2026

Union Bankshares Q3 Net Income Rises to $3.8 Million - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMikAFBVV95cUxPdlRPTkNvQ0xRMkVYMzZ5bXJEdEFaVmczQWtRSGpiaHE4S0RFX0lMczVxT2hEbkdSYV9ubW5YcWEyZEZFbmxTX3d2cW9zZTJTRVB2TGpkbGNVYVQxQVdHc093eUtxc1ZYcjZzWDBUTm02emFIMUtrSjJZMTl4YmZjNnlBMU9JMHpJODlnQX…

Google News Wed, 21 Oct 2026

A $0.36 dividend accompanies higher Q3 profit at Union Bankshares (UNB). - Stock Titan

<a href="https://news.google.com/rss/articles/CBMirAFBVV95cUxOZ0tRU1d3eXBGMXBEOXdCeVNwT3h5OE1vWmNJZlN4TktKdzhiMHlLam1sdjhKVG8xTk1meGE0bmdPNW11SmdRY1BKTXgyR1RWWWNZbEJ5T2lsVHdLMGtka0dUTU5yQVo0NnlyT28wa2xwVDRtVFhULWtUUUc5ZVRUX3VuRUtfOUN3TVVDa0…

Google News Fri, 16 Oct 2026

Union bankshares director Steven Cote buys $9,917 stock - Investing.com

<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxQNURUQTZCZHBkcVVWQXJQdl9WVk04MlI5T08tSGw0ZTBpQ0RlU0xxNTRweWxFX2twR3hkbDl4bkRtWHU1VEdjQS1ZQU0wbHE5X3VKN0pDZ21aUkUyZ0toMFFhYnl2U0phQWs2anRfeVVZQ3paQXgyaE52eHVjR3ZRWThYMEZVVFk0a2F2UT…

UNB — Frequently Asked Questions

What is the current share price of Union Bankshares, Inc. (UNB)?

As of 2026-10-23 16:27 PDT, Union Bankshares, Inc. (UNB) trades at $23.04 on NasdaqGM. Its 52-week range is $20.58 to $26.09.

What is the market capitalisation of UNB?

Union Bankshares, Inc. (UNB) has a market capitalisation of $113.95M on NasdaqGM.

What is the P/E ratio of UNB?

UNB trades at a trailing price-to-earnings (P/E) ratio of 8.90. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.27.

Does UNB pay a dividend?

Union Bankshares, Inc. (UNB) currently offers a dividend yield of 6.01%.

What is the return on equity (ROE) of UNB?

UNB has a return on equity (ROE) of 14.98%.

Is UNB a good stock to buy?

This page provides a data-driven analysis of Union Bankshares, Inc. (UNB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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