Symbols / UNB Stock $24.63 -1.44% Union Bankshares, Inc.

Financial Services • Banks - Regional • United States • NGM
UNB (Stock) Chart
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About

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.

Stock Fundamentals
Scroll to Statements
Market Cap 113.64M Enterprise Value 399.22M Income 11.08M Sales 53.68M Book/sh 17.53 Cash/sh 4.61
Dividend Yield 5.76% Payout 59.75% Employees 195 IPO — P/E 10.22 Forward P/E —
PEG — P/S 2.12 P/B 1.41 P/C — EV/EBITDA — EV/Sales 7.44
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 2.41 EPS next Y —
EPS Growth -10.10% Revenue Growth 9.90% Earnings 2026-04-15 ROA 0.70% ROE 15.04% ROIC —
Gross Margin 0.00% Oper. Margin 21.27% Profit Margin 20.64% Shs Outstand 4.61M Shs Float 3.79M Short Float 2.14%
Short Ratio 13.50 Short Interest — 52W High 36.00 52W Low 20.65 Beta 0.35 Avg Volume 9.52K
Volume 9.87K Target Price — Recom None Prev Close $24.99 Price $24.63 Change -1.44%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$24.63
Latest analyst target
3. DCF / Fair value
$36.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$24.63
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2014-01-24 main BMO Capital — → Outperform $190
News
RSS: Latest UNB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-11 SILVERMAN DAVID SCOTT Chief Executive Officer — 6,153 $0.00 $0
2026-03-11 HALE KARYN J Chief Financial Officer — 2,939 $0.00 $0
2026-03-11 KENDALL STEPHEN H Officer of Subsidiary Company — 2,301 $0.00 $0
2026-03-11 GOULD JONATHAN JAY Officer of Subsidiary Company — 2,750 $0.00 $0
2026-03-11 HOGAN PATRICIA N Officer of Subsidiary Company — 2,301 $0.00 $0
2026-03-11 LOCKLIN CARRIE R Divisional Officer — 920 $0.00 $0
2026-03-11 SCHOENIG VINCENT W Officer of Subsidiary Company — 2,301 $0.00 $0
2026-02-05 HOGAN PATRICIA N Officer of Subsidiary Company — 8 $25.28 $217
2025-12-01 VAN DYKE CORNELIUS JOHN Chairman of the Board — 450 $22.44 $10,140
2025-11-06 HOGAN PATRICIA N Divisional Officer — 23 $23.09 $632
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
53.23
+13.67%
46.83
-0.02%
46.84
-2.21%
47.90
Operating Revenue
53.23
+13.67%
46.83
-0.02%
46.84
-2.21%
47.90
Selling General And Administration
25.41
+12.62%
22.56
+9.47%
20.61
+1.27%
20.35
Selling And Marketing Expense
—
—
0.66
+6.81%
0.62
General And Administrative Expense
25.41
+12.62%
22.56
+9.47%
20.61
+4.43%
19.73
Salaries And Wages
23.93
+11.86%
21.39
+9.09%
19.61
+2.61%
19.11
Reconciled Depreciation
1.63
+2.39%
1.59
-2.81%
1.64
-9.00%
1.80
Net Income
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Pretax Income
12.01
+31.52%
9.13
-29.10%
12.88
-15.54%
15.25
Net Interest Income
42.19
+11.54%
37.82
+0.65%
37.58
-4.61%
39.40
Interest Expense
32.77
+10.74%
29.59
+53.58%
19.27
+325.88%
4.52
Interest Income
74.96
+11.19%
67.41
+18.59%
56.85
+29.43%
43.92
Gain On Sale Of Security
0.20
+118.85%
-1.08
-669.84%
0.19
+751.72%
-0.03
Tax Provision
0.93
+151.49%
0.37
-77.22%
1.62
-38.45%
2.63
Tax Rate For Calcs
0.00
+52.17%
0.00
-63.20%
0.00
-23.31%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Net Income From Continuing Operation Net Minority Interest
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Net Income From Continuing And Discontinued Operation
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Net Income Continuous Operations
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Normalized Income
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Net Income Common Stockholders
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Diluted EPS
—
1.94
-22.40%
2.50
-11.03%
2.81
Basic EPS
—
1.94
-22.40%
2.50
-11.03%
2.81
Basic Average Shares
—
4.52
+0.29%
4.50
+0.30%
4.49
Diluted Average Shares
—
4.52
+0.29%
4.50
+0.30%
4.49
Diluted NI Availto Com Stockholders
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Insurance And Claims
1.48
+26.56%
1.17
+16.93%
1.00
+60.45%
0.62
Occupancy And Equipment
6.72
+8.57%
6.19
+7.45%
5.76
+2.71%
5.61
Other Non Interest Expense
7.18
+3.13%
6.96
-1.68%
7.08
+21.68%
5.82
Professional Expense And Contract Services Expense
1.15
+8.00%
1.06
+4.53%
1.02
+15.85%
0.88
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,617.19
+5.81%
1,528.36
+4.05%
1,468.88
+9.91%
1,336.49
Cash And Cash Equivalents
13.61
-6.95%
14.63
-23.48%
19.12
-8.66%
20.93
Cash Financial
4.66
-9.87%
5.17
+16.69%
4.43
-1.67%
4.50
Other Short Term Investments
241.58
-3.56%
250.50
-5.25%
264.38
+5.64%
250.27
Net PPE
19.85
-1.87%
20.23
-2.63%
20.77
+1.43%
20.48
Gross PPE
39.63
+0.27%
39.52
+1.86%
38.80
+5.16%
36.90
Accumulated Depreciation
-19.78
-2.51%
-19.30
-7.03%
-18.03
-9.83%
-16.42
Land And Improvements
4.50
+0.56%
4.47
+0.13%
4.47
+0.00%
4.47
Buildings And Improvements
22.11
+1.82%
21.71
+0.69%
21.57
+5.55%
20.43
Machinery Furniture Equipment
12.70
-0.03%
12.70
+3.59%
12.26
+5.39%
11.64
Construction In Progress
0.32
-48.82%
0.63
+25.35%
0.51
+39.89%
0.36
Investments And Advances
328.29
+30.14%
252.26
-5.12%
265.88
+5.71%
251.53
Total Liabilities Net Minority Interest
1,536.33
+5.09%
1,461.88
+4.19%
1,403.07
+9.51%
1,281.27
Payables And Accrued Expenses
—
—
—
13.15
Payables
—
—
—
13.15
Accounts Payable
—
—
—
13.15
Long Term Debt And Capital Lease Obligation
302.79
+9.72%
275.97
+236.81%
81.94
+23.76%
66.20
Long Term Debt
302.79
+9.72%
275.97
+236.81%
81.94
+23.76%
66.20
Stockholders Equity
80.86
+21.64%
66.48
+1.02%
65.81
+19.17%
55.22
Common Stock Equity
80.86
+21.64%
66.48
+1.02%
65.81
+19.17%
55.22
Capital Stock
10.17
+1.45%
10.02
+0.33%
9.99
+0.26%
9.96
Common Stock
10.17
+1.45%
10.02
+0.33%
9.99
+0.26%
9.96
Share Issued
5.08
+1.45%
5.01
+0.34%
5.00
+0.26%
4.98
Ordinary Shares Number
4.61
+1.66%
4.54
+0.42%
4.52
+0.23%
4.51
Treasury Shares Number
0.47
-0.56%
0.47
-0.51%
0.48
+0.54%
0.47
Additional Paid In Capital
4.61
+52.00%
3.03
+15.64%
2.62
+17.80%
2.23
Retained Earnings
96.25
+4.93%
91.72
+2.51%
89.47
+5.67%
84.67
Gains Losses Not Affecting Retained Earnings
-25.88
+23.87%
-34.00
-6.39%
-31.95
+14.60%
-37.42
Treasury Stock
4.28
-0.56%
4.30
-0.51%
4.32
+2.42%
4.22
Other Equity Adjustments
-25.88
+23.87%
-34.00
-6.39%
-31.95
+14.60%
-37.42
Total Equity Gross Minority Interest
80.86
+21.64%
66.48
+1.02%
65.81
+19.17%
55.22
Total Capitalization
383.65
+12.03%
342.45
+131.79%
147.74
+21.67%
121.42
Invested Capital
383.65
+12.03%
342.45
+131.79%
147.74
+21.67%
121.42
Total Debt
302.79
+9.72%
275.97
+236.81%
81.94
+23.76%
66.20
Net Debt
289.18
+10.65%
261.34
+316.04%
62.82
+38.75%
45.27
Net Tangible Assets
80.86
+21.64%
66.48
+1.02%
65.81
+19.17%
55.22
Tangible Book Value
80.86
+21.64%
66.48
+1.02%
65.81
+19.17%
55.22
Available For Sale Securities
86.71
+4843.50%
1.75
+16.93%
1.50
+18.67%
1.26
Cash Cash Equivalents And Federal Funds Sold
21.25
-15.99%
25.30
-72.61%
92.36
+70.04%
54.31
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
17.23
+41.76%
12.15
+32.21%
9.19
-68.34%
29.03
Cash Flow From Continuing Operating Activities
17.23
+41.76%
12.15
+32.21%
9.19
-68.34%
29.03
Net Income From Continuing Operations
11.08
+26.47%
8.76
-22.17%
11.26
-10.76%
12.62
Depreciation Amortization Depletion
1.63
+2.39%
1.59
-2.81%
1.64
-9.00%
1.80
Depreciation
1.63
+2.39%
1.59
-2.81%
1.64
-9.00%
1.80
Amortization Cash Flow
—
—
—
0.00
Depreciation And Amortization
1.63
+2.39%
1.59
-2.81%
1.64
-9.00%
1.80
Amortization Of Intangibles
—
—
—
0.00
Other Non Cash Items
3.21
+897.52%
-0.40
+42.01%
-0.69
-105.08%
13.69
Stock Based Compensation
0.49
+24.12%
0.40
+6.42%
0.37
-16.14%
0.45
Deferred Tax
-1.25
+31.93%
-1.83
-787.59%
0.27
+198.52%
-0.27
Deferred Income Tax
-1.25
+31.93%
-1.83
-787.59%
0.27
+198.52%
-0.27
Operating Gains Losses
-0.53
-149.76%
1.06
+3020.59%
0.03
-79.14%
0.16
Gain Loss On Investment Securities
0.00
-100.00%
1.29
0.00
+100.00%
-0.03
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.02
-2100.00%
-0.00
0.00
Change In Working Capital
1.29
+18.21%
1.09
+129.46%
-3.71
-8527.91%
-0.04
Change In Receivables
-0.52
+51.27%
-1.06
+14.78%
-1.25
-35.92%
-0.92
Changes In Account Receivables
-0.52
+51.27%
-1.06
+14.78%
-1.25
-35.92%
-0.92
Change In Other Working Capital
0.10
+123.41%
-0.41
+1.44%
-0.42
+34.07%
-0.63
Change In Other Current Assets
0.28
+314.50%
-0.13
+95.75%
-3.08
-1268.44%
-0.23
Change In Other Current Liabilities
1.43
-46.86%
2.69
+161.65%
1.03
-40.43%
1.73
Investing Cash Flow
-88.33
+29.24%
-124.83
-51.76%
-82.25
+60.38%
-207.58
Cash Flow From Continuing Investing Activities
-88.33
+29.24%
-124.83
-51.76%
-82.25
+60.38%
-207.58
Net PPE Purchase And Sale
-1.25
-22.24%
-1.02
+46.89%
-1.93
-190.23%
-0.67
Purchase Of PPE
-1.25
-16.99%
-1.07
+44.96%
-1.95
-192.63%
-0.67
Sale Of PPE
0.00
-100.00%
0.05
+187.50%
0.02
0.00
Capital Expenditure
-1.25
-16.99%
-1.07
+44.96%
-1.95
-192.63%
-0.67
Net Investment Purchase And Sale
-68.76
-3677.86%
-1.82
+84.76%
-11.94
+63.34%
-32.58
Purchase Of Investment
-99.93
-71.33%
-58.33
-103.65%
-28.64
+54.48%
-62.92
Sale Of Investment
31.18
-44.83%
56.51
+238.42%
16.70
-44.96%
30.34
Net Other Investing Changes
0.20
-16.17%
0.23
—
—
Financing Cash Flow
67.57
+32.89%
50.85
-54.94%
112.84
-25.03%
150.51
Cash Flow From Continuing Financing Activities
67.57
+32.89%
50.85
-54.94%
112.84
-25.03%
150.51
Net Issuance Payments Of Debt
26.79
-86.19%
194.00
+1135.98%
15.70
-68.61%
50.00
Issuance Of Debt
70.28
-75.34%
285.00
+214.24%
90.70
0.00
Repayment Of Debt
-30.00
+72.73%
-110.00
-214.29%
-35.00
0.00
Long Term Debt Issuance
70.28
-75.34%
285.00
+214.24%
90.70
0.00
Long Term Debt Payments
-30.00
+72.73%
-110.00
-214.29%
-35.00
0.00
Net Long Term Debt Issuance
40.28
-76.98%
175.00
+214.21%
55.70
0.00
Short Term Debt Issuance
—
—
—
50.00
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
-13.50
-171.05%
19.00
+147.50%
-40.00
-180.00%
50.00
Net Common Stock Issuance
1.18
0.00
+100.00%
-0.13
-64.56%
-0.08
Common Stock Payments
—
0.00
+100.00%
-0.13
-64.56%
-0.08
Common Stock Dividend Paid
-6.48
-0.57%
-6.44
-0.45%
-6.42
-2.87%
-6.24
Cash Dividends Paid
-6.48
-0.57%
-6.44
-0.45%
-6.42
-2.87%
-6.24
Repurchase Of Capital Stock
—
0.00
+100.00%
-0.13
-64.56%
-0.08
Proceeds From Stock Option Exercised
—
—
—
0.00
Net Other Financing Charges
—
—
—
—
Changes In Cash
-3.54
+94.28%
-61.83
-255.42%
39.78
+241.89%
-28.04
Beginning Cash Position
15.84
-79.61%
77.67
+105.00%
37.88
-42.53%
65.92
End Cash Position
12.30
-22.34%
15.84
-79.61%
77.67
+105.00%
37.88
Free Cash Flow
15.97
+44.15%
11.08
+52.93%
7.25
-74.46%
28.37
Interest Paid Supplemental Data
33.11
+18.51%
27.94
+55.59%
17.96
+308.65%
4.39
Income Tax Paid Supplemental Data
0.28
0.00
-100.00%
0.93
-2.63%
0.95
Common Stock Issuance
1.18
0.00
—
—
Earnings Losses From Equity Investments
1.82
+7.05%
1.70
+22.78%
1.39
+21.88%
1.14
Issuance Of Capital Stock
1.18
0.00
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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