Union Bankshares, Inc. UNB R2K
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
Generates a return on equity of 15.4%, reflecting efficient use of shareholder capital.
Trades at a P/E of 10.1, below the sector median of 13.5.
Maintains a net profit margin of 20.9%.
Offers a dividend yield of 5.81%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +13.1%, earnings +18.2%.
- 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: | 18.20% |
Stock Price Performance
| 1 Year: | -3.66% |
| 6 Months: | +6.28% |
| 3 Months: | +5.65% |
| 1 Month: | +7.66% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)57.07 · Neutral
P/E of 10.08 is below the sector median of 13.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 20.9%.
- Attractive dividend yield of 5.81%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 25.30 | 10.08 | $116.74M | 5.81% | - | 15.38% | - | 4.67% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 1.32M | 3.00M | 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 | 0.29 | 0.65 | 0.55 | 0.52 | 0.75 | 0.59 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 5.59M | 5.22M | 6.84M | 7.13M | 7.69M | 7.88M | 8.51M | 8.45M | 7.07M | 10.65M | 12.80M | 13.17M | 12.62M | 11.26M | 8.76M | 11.08M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | 2.38 | 2.85 | 2.92 | 2.79 | 2.48 | 1.92 | 2.41 |
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 | 1.21B | 1.34B | 1.47B | 1.53B | 1.62B |
| 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 | 84.34M | 55.22M | 65.81M | 66.48M | 80.86M |
| Total Liabilities | - | 411.27M | 512.41M | 532.21M | 535.62M | 572.63M | 575.31M | 635.10M | 687.17M | 740.85M | 801.07M | 1.01B | 1.12B | 1.28B | 1.40B | 1.46B | 1.54B |
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 | 29.19M | 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 | -190.01M | -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 | 103.97M | 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 | -3.51M | -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 | 25.68M | 28.37M | 7.25M | 11.08M | 15.97M |
| 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 % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 4.34% | 200.03K | $4.95M |
| 2 | Vanguard Capital Management LLC | 3.24% | 149.47K | $3.70M |
| 3 | Cardinal Capital Management | 2.22% | 102.56K | $2.54M |
| 4 | Geode Capital Management, LLC | 1.92% | 88.48K | $2.19M |
| 5 | Northern Trust Corporation | 1.03% | 47.64K | $1.18M |
| 6 | Dimensional Fund Advisors LP | 0.89% | 41.05K | $1.02M |
| 7 | Cannell & Spears LLC | 0.87% | 40.17K | $993.58K |
| 8 | State Street Corporation | 0.79% | 36.58K | $904.68K |
| 9 | TRUST CO OF VERMONT | 0.64% | 29.32K | $725.30K |
| 10 | Goldman Sachs Group Inc | 0.63% | 29.11K | $719.94K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for UNB
Union Bankshares’ Book Value Reaches $18.28 as Assets Hit $1.56B - Stock Titan
<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxOS09CMEt3NVJyWGFPUm1KNWRNVUdxbWtIaTVsODJnS252QjVTeVdRQ1E4cnJBZWhKOVVFeWxlNHl4RW9qQ2hfbGVBMzljMHBhVkFMOVd2WlRHNGQ2UVJSTk1MdkpCYmZHNUZKUWhVaGVaUkJFaEFEdUZ0UW50NzluYndJOEU2azdTWGpKVG…
Union Bankshares: Q2 Earnings Snapshot - KING5.com
<a href="https://news.google.com/rss/articles/CBMi0gFBVV95cUxQeEdMQ3YxZU02MlNxLXRZRUhBLV9MUFF5LTRxRkR5WG5oMzdxQkY3MlNiLW5mMUo2WDVaM2tfYUJyM1kya3ZObVRRdHVtV25DcnlGSDlwaEk3anJBMkxvb2g0Y0JGNzByUFhSM3pud1FmTkVaMGhSSW1odVo2NFlMWHZ1UFMtaW1MS2stTU…
Union Bankshares (NASDAQ: UNB) grows Q2 profit and lifts book value, declares dividend - Stock Titan
<a href="https://news.google.com/rss/articles/CBMirAFBVV95cUxQVUxsSjVvNi1VLXBDd3JCTGVCYUFZVGFLVVlRRmNfaklHNEo3Y1dYbnJxanE4Z201cFBoQk5ldGVMck5Wbzl0UUJBMHBJeXcya1lHZmw5bDRoVkszWUViOHlLSjBDbnVPY3B4VFVTNTR4cFF6NU5iMmVFc2l1TUNFWFRaUXhJaTNHWl9RZj…
Union Bankshares, Inc. Declares Regular Quarterly Cash Dividend, Payable on August 6, 2026 - marketscreener.com
<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxNM0RvTVowM0ZGcEVZN3RHUU9UejZNdTNlSUxuY2FYUERaeHFKOGIxaVlkdjNwMmFyUldlRG1UWTJJam5RbHZ4ekZrYzNGTVg4YjNrQXRuSzFKX01SZ0lyZkFFd2hkTHJIVGtiQmhLU0NsTUpVZUhpYzRiVlJqSDFqNkl6X1Q1dDVfcVAyV1…
(UNB) and the Role of Price-Sensitive Allocations - Stock Traders Daily
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Price to book forward of Union Bankshares, Inc. – NASDAQ:UNB - TradingView
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UNB — Frequently Asked Questions
What is the current share price of Union Bankshares, Inc. (UNB)?
As of 2026-07-15 16:51 PDT, Union Bankshares, Inc. (UNB) trades at $25.30 on NasdaqGM. Its 52-week range is $20.88 to $27.13.
What is the market capitalisation of UNB?
Union Bankshares, Inc. (UNB) has a market capitalisation of $116.74M on NasdaqGM.
What is the P/E ratio of UNB?
UNB trades at a trailing price-to-earnings (P/E) ratio of 10.08. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.41.
Does UNB pay a dividend?
Union Bankshares, Inc. (UNB) currently offers a dividend yield of 5.81%.
What is the return on equity (ROE) of UNB?
UNB has a return on equity (ROE) of 15.38%.
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.