UNB
Union Bankshares, Inc.
Price Chart
Latest Quote
$23.58
+0.04 (+0.17%)
Current Price
| Previous Close | $23.54 |
| Open | $23.64 |
| Day High | $23.66 |
| Day Low | $23.50 |
| Volume | 6,678 |
Stock Information
| Shares Outstanding | 4.61M |
| Total Debt | $327.30M |
| Cash Equivalents | $37.78M |
| Revenue | $55.32M |
| Net Income | $11.58M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $108.89M |
| P/E Ratio | 9.40 |
| EPS (TTM) | $2.51 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $398.31M |
| Sales | $55.32M |
| Income | $11.58M |
| Book/sh | $17.53 |
| Cash/sh | $8.19 |
| Employees | 195 |
Financial Ratios
| EPS Growth TTM | 20.10% |
Returns & Margins
| ROA | 0.73% |
| ROE | 15.38% |
| Operating Margin | 23.61% |
| Profit Margin | 20.94% |
Ownership
| Insider Ownership | 27.84% |
| Institutional Ownership | 20.30% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 1.97 |
| P/B | 1.35 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $23.35 |
| SMA50 | $23.88 |
| SMA200 | $23.54 |
| RSI | 52.47 |
| ATR | 0.3829 |
| Shares Float | 3.56M |
| Short Float | 2.02% |
| Short Ratio | 4.37 |
| Volatility | 0.27 |
| Rel Volume | 1.18 |
Performance History
| Week | +1.46% |
| Month | -1.50% |
| Quarter | +5.87% |
| 6 Months | +5.05% |
| YTD | +2.44% |
| Year | -10.07% |
| 3 Years | +23.33% |
| 5 Years | -11.18% |
| 10 Years | +9.81% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $23.60 | 9,351 |
| 2026-06-16 | $23.58 | 7,000 |
| 2026-06-15 | $23.54 | 5,600 |
| 2026-06-12 | $23.50 | 8,300 |
| 2026-06-11 | $23.29 | 6,000 |
| 2026-06-10 | $23.26 | 7,900 |
| 2026-06-09 | $23.48 | 9,700 |
| 2026-06-08 | $23.39 | 9,500 |
| 2026-06-05 | $23.26 | 5,700 |
| 2026-06-04 | $23.05 | 6,200 |
| 2026-06-03 | $22.84 | 14,300 |
| 2026-06-02 | $23.15 | 5,300 |
| 2026-06-01 | $23.29 | 6,700 |
| 2026-05-29 | $23.10 | 7,700 |
| 2026-05-28 | $23.49 | 6,100 |
| 2026-05-27 | $23.56 | 8,100 |
| 2026-05-26 | $23.43 | 9,000 |
| 2026-05-22 | $23.79 | 8,600 |
| 2026-05-21 | $23.12 | 9,000 |
| 2026-05-20 | $23.30 | 7,800 |
| 2026-05-19 | $23.49 | 14,300 |
| 2026-05-18 | $23.96 | 7,700 |
About Union Bankshares, Inc.
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.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $53,230,000 | $46,828,000 | $46,839,000 | $47,898,000 |
| Operating Revenue | $53,230,000 | $46,828,000 | $46,839,000 | $47,898,000 |
| Expenses | ||||
| Interest Expense | $32,768,000 | $29,590,000 | $19,267,000 | $4,524,000 |
| General And Administrative Expense | $25,408,000 | $22,561,000 | $20,610,000 | $19,735,000 |
| Professional Expense And Contract Services Expense | $1,147,000 | $1,062,000 | $1,016,000 | $877,000 |
| Other Non Interest Expense | $7,177,000 | $6,959,000 | $7,078,000 | $5,817,000 |
| Selling And Marketing Expense | - | - | $659,000 | $617,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Net Interest Income | $42,189,000 | $37,823,000 | $37,580,000 | $39,396,000 |
| Interest Income | $74,957,000 | $67,413,000 | $56,847,000 | $43,920,000 |
| Normalized Income | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Net Income From Continuing And Discontinued Operation | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Net Income Common Stockholders | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Net Income | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Net Income Including Noncontrolling Interests | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Net Income Continuous Operations | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Pretax Income | $12,008,000 | $9,130,000 | $12,877,000 | $15,247,000 |
| Per Share | ||||
| Diluted EPS | $2.43 | $1.94 | $2.50 | $2.81 |
| Basic EPS | $2.43 | $1.94 | $2.50 | $2.81 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,631,000 | $1,593,000 | $1,639,000 | $1,801,000 |
| Diluted Average Shares | $4,559,671 | $4,515,979 | $4,502,800 | $4,489,324 |
| Basic Average Shares | $4,559,671 | $4,515,979 | $4,502,800 | $4,489,324 |
| Diluted NI Availto Com Stockholders | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Tax Provision | $928,000 | $369,000 | $1,620,000 | $2,632,000 |
| Gain On Sale Of Security | $203,000 | $-1,077,000 | $189,000 | $-29,000 |
| Selling General And Administration | $25,408,000 | $22,561,000 | $20,610,000 | $20,352,000 |
| Insurance And Claims | $1,477,000 | $1,167,000 | $998,000 | $622,000 |
| Salaries And Wages | $23,931,000 | $21,394,000 | $19,612,000 | $19,113,000 |
| Occupancy And Equipment | $6,716,000 | $6,186,000 | $5,757,000 | $5,605,000 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $80,864,000 | $66,480,000 | $65,807,000 | $55,220,000 |
| Total Assets | $1,617,191,000 | $1,528,358,000 | $1,468,879,000 | $1,336,489,000 |
| Cash And Cash Equivalents | $13,613,000 | $14,630,000 | $19,119,000 | $20,932,000 |
| Cash Financial | $4,658,000 | $5,168,000 | $4,429,000 | $4,504,000 |
| Cash Cash Equivalents And Federal Funds Sold | $21,255,000 | $25,300,000 | $92,356,000 | $54,313,000 |
| Debt | ||||
| Net Debt | $289,175,000 | $261,339,000 | $62,816,000 | $45,273,000 |
| Total Debt | $302,788,000 | $275,969,000 | $81,935,000 | $66,205,000 |
| Long Term Debt And Capital Lease Obligation | $302,788,000 | $275,969,000 | $81,935,000 | $66,205,000 |
| Long Term Debt | $302,788,000 | $275,969,000 | $81,935,000 | $66,205,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,536,327,000 | $1,461,878,000 | $1,403,072,000 | $1,281,269,000 |
| Payables And Accrued Expenses | - | - | - | $13,152,000 |
| Payables | - | - | - | $13,152,000 |
| Accounts Payable | - | - | - | $13,152,000 |
| Equity | ||||
| Common Stock Equity | $80,864,000 | $66,480,000 | $65,807,000 | $55,220,000 |
| Total Equity Gross Minority Interest | $80,864,000 | $66,480,000 | $65,807,000 | $55,220,000 |
| Stockholders Equity | $80,864,000 | $66,480,000 | $65,807,000 | $55,220,000 |
| Gains Losses Not Affecting Retained Earnings | $-25,883,000 | $-33,997,000 | $-31,955,000 | $-37,419,000 |
| Other Equity Adjustments | $-25,883,000 | $-33,997,000 | $-31,955,000 | $-37,419,000 |
| Retained Earnings | $96,247,000 | $91,722,000 | $89,472,000 | $84,669,000 |
| Other | ||||
| Treasury Shares Number | $471,430 | $474,075 | $476,500 | $473,936 |
| Ordinary Shares Number | $4,613,205 | $4,538,009 | $4,518,848 | $4,508,587 |
| Share Issued | $5,084,635 | $5,012,084 | $4,995,348 | $4,982,523 |
| Tangible Book Value | $80,864,000 | $66,480,000 | $65,807,000 | $55,220,000 |
| Invested Capital | $383,652,000 | $342,449,000 | $147,742,000 | $121,425,000 |
| Total Capitalization | $383,652,000 | $342,449,000 | $147,742,000 | $121,425,000 |
| Treasury Stock | $4,276,000 | $4,300,000 | $4,322,000 | $4,220,000 |
| Additional Paid In Capital | $4,607,000 | $3,031,000 | $2,621,000 | $2,225,000 |
| Capital Stock | $10,169,000 | $10,024,000 | $9,991,000 | $9,965,000 |
| Common Stock | $10,169,000 | $10,024,000 | $9,991,000 | $9,965,000 |
| Investments And Advances | $328,293,000 | $252,258,000 | $265,883,000 | $251,531,000 |
| Available For Sale Securities | $86,709,000 | $1,754,000 | $1,500,000 | $1,264,000 |
| Net PPE | $19,847,000 | $20,225,000 | $20,771,000 | $20,479,000 |
| Accumulated Depreciation | $-19,782,000 | $-19,297,000 | $-18,029,000 | $-16,416,000 |
| Gross PPE | $39,629,000 | $39,522,000 | $38,800,000 | $36,895,000 |
| Construction In Progress | $324,000 | $633,000 | $505,000 | $361,000 |
| Machinery Furniture Equipment | $12,699,000 | $12,703,000 | $12,263,000 | $11,636,000 |
| Buildings And Improvements | $22,109,000 | $21,714,000 | $21,566,000 | $20,432,000 |
| Land And Improvements | $4,497,000 | $4,472,000 | $4,466,000 | $4,466,000 |
| Other Short Term Investments | $241,584,000 | $250,504,000 | $264,383,000 | $250,267,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $15,972,000 | $11,080,000 | $7,245,000 | $28,366,000 |
| Operating Activities | ||||
| Operating Cash Flow | $17,225,000 | $12,151,000 | $9,191,000 | $29,031,000 |
| Cash Flow From Continuing Operating Activities | $17,225,000 | $12,151,000 | $9,191,000 | $29,031,000 |
| Operating Gains Losses | $-528,000 | $1,061,000 | $34,000 | $163,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,253,000 | $-1,071,000 | $-1,946,000 | $-665,000 |
| Investing Cash Flow | $-88,332,000 | $-124,826,000 | $-82,252,000 | $-207,583,000 |
| Cash Flow From Continuing Investing Activities | $-88,332,000 | $-124,826,000 | $-82,252,000 | $-207,583,000 |
| Net Other Investing Changes | $197,000 | $235,000 | - | - |
| Financing Activities | ||||
| Issuance Of Capital Stock | $1,177,000 | $0 | - | - |
| Financing Cash Flow | $67,569,000 | $50,847,000 | $112,842,000 | $150,515,000 |
| Cash Flow From Continuing Financing Activities | $67,569,000 | $50,847,000 | $112,842,000 | $150,515,000 |
| Cash Dividends Paid | $-6,481,000 | $-6,444,000 | $-6,415,000 | $-6,236,000 |
| Common Stock Dividend Paid | $-6,481,000 | $-6,444,000 | $-6,415,000 | $-6,236,000 |
| Net Common Stock Issuance | $1,177,000 | $0 | $-130,000 | $-79,000 |
| Common Stock Issuance | $1,177,000 | $0 | - | - |
| Repurchase Of Capital Stock | - | $0 | $-130,000 | $-79,000 |
| Net Other Financing Charges | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-30,000,000 | $-110,000,000 | $-35,000,000 | $0 |
| Issuance Of Debt | $70,285,000 | $285,000,000 | $90,696,000 | $0 |
| Interest Paid Supplemental Data | $33,107,000 | $27,937,000 | $17,956,000 | $4,394,000 |
| Income Tax Paid Supplemental Data | $280,000 | $0 | $925,000 | $950,000 |
| End Cash Position | $12,300,000 | $15,838,000 | $77,666,000 | $37,885,000 |
| Beginning Cash Position | $15,838,000 | $77,666,000 | $37,885,000 | $65,922,000 |
| Changes In Cash | $-3,538,000 | $-61,828,000 | $39,781,000 | $-28,037,000 |
| Net Issuance Payments Of Debt | $26,785,000 | $194,000,000 | $15,696,000 | $50,000,000 |
| Net Short Term Debt Issuance | $-13,500,000 | $19,000,000 | $-40,000,000 | $50,000,000 |
| Net Long Term Debt Issuance | $40,285,000 | $175,000,000 | $55,696,000 | $0 |
| Long Term Debt Payments | $-30,000,000 | $-110,000,000 | $-35,000,000 | $0 |
| Long Term Debt Issuance | $70,285,000 | $285,000,000 | $90,696,000 | $0 |
| Net Investment Purchase And Sale | $-68,757,000 | $-1,820,000 | $-11,943,000 | $-32,582,000 |
| Sale Of Investment | $31,175,000 | $56,506,000 | $16,697,000 | $30,336,000 |
| Purchase Of Investment | $-99,932,000 | $-58,326,000 | $-28,640,000 | $-62,918,000 |
| Net PPE Purchase And Sale | $-1,253,000 | $-1,025,000 | $-1,930,000 | $-665,000 |
| Sale Of PPE | $0 | $46,000 | $16,000 | $0 |
| Purchase Of PPE | $-1,253,000 | $-1,071,000 | $-1,946,000 | $-665,000 |
| Change In Working Capital | $1,292,000 | $1,093,000 | $-3,710,000 | $-43,000 |
| Change In Other Working Capital | $96,000 | $-410,000 | $-416,000 | $-631,000 |
| Change In Other Current Liabilities | $1,432,000 | $2,695,000 | $1,030,000 | $1,729,000 |
| Change In Other Current Assets | $281,000 | $-131,000 | $-3,079,000 | $-225,000 |
| Change In Receivables | $-517,000 | $-1,061,000 | $-1,245,000 | $-916,000 |
| Changes In Account Receivables | $-517,000 | $-1,061,000 | $-1,245,000 | $-916,000 |
| Other Non Cash Items | $3,214,000 | $-403,000 | $-695,000 | $13,689,000 |
| Stock Based Compensation | $494,000 | $398,000 | $374,000 | $446,000 |
| Deferred Tax | $-1,245,000 | $-1,829,000 | $266,000 | $-270,000 |
| Deferred Income Tax | $-1,245,000 | $-1,829,000 | $266,000 | $-270,000 |
| Depreciation Amortization Depletion | $1,631,000 | $1,593,000 | $1,639,000 | $1,801,000 |
| Depreciation And Amortization | $1,631,000 | $1,593,000 | $1,639,000 | $1,801,000 |
| Depreciation | $1,631,000 | $1,593,000 | $1,639,000 | $1,801,000 |
| Earnings Losses From Equity Investments | $1,823,000 | $1,703,000 | $1,387,000 | $1,138,000 |
| Gain Loss On Investment Securities | $0 | $1,293,000 | $0 | $-31,000 |
| Gain Loss On Sale Of PPE | $0 | $-22,000 | $-1,000 | $0 |
| Net Income From Continuing Operations | $11,080,000 | $8,761,000 | $11,257,000 | $12,615,000 |
| Common Stock Payments | - | $0 | $-130,000 | $-79,000 |
| Proceeds From Stock Option Exercised | - | - | - | $0 |
| Short Term Debt Issuance | - | - | - | $50,000,000 |
| Amortization Cash Flow | - | - | - | $0 |
| Amortization Of Intangibles | - | - | - | $0 |
| Short Term Debt Payments | - | - | - | - |
Fetched: 2026-06-17