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Union Bankshares(NASDAQ) UNB

Market Cap$108.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+931%
5 Year-9%
1 Year-4%
1 Month-1%
$23.63
+0.21%
+0.05Today
After hours$23.63+$0.00 (+0.00%)
Union Bankshares last closing stock price
MetricPriceDate
Last closeUSD 23.552026-08-07
Union Bankshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.26%USD 23.032026-07-31
1 month-1.42%USD 23.892026-07-08
3 month-1.17%USD 23.832026-05-08
Year to date+3.68%USD 22.712025-12-31
1 year-4.18%USD 24.582025-08-07
3 year+22.73%USD 19.192023-08-08
5 year-9.05%USD 25.892021-08-06
Since inception+931.26%USD 2.291998-06-11

Union Bankshares Financials at a Glance

Market Cap

$108.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$90.35M

Net Income (TTM)

$12.12M

EPS (TTM)

$2.51

P/E Ratio

9.38

Dividend

$1.44

Beta (Volatility)

0.34 (Low)

Price

$23.63

Volume

5,278.944

Open

$23.88

Previous Close

$23.55

Daily Range

$23.40 - $23.88

52-Week Range

$20.65 - $27.65

Estimated Earnings Date

Oct 21, 2026

UNB News

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Union Bankshares (UNB) Q2 Net Jumps 19%

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About Union Bankshares

Union Bankshares helps people and businesses manage money and get loans. It offers checking accounts for daily spending and mortgages for buying homes. Local businesses use its loans to grow or cover expenses.

Money Matters: What Union Bankshares Offers

  • Retail Banking: Checking, savings, and money market accounts for individuals and families (revenue breakdown not disclosed).
  • Commercial Lending: Loans for businesses, including real estate, equipment, and working capital (41% of loan portfolio).
  • Municipal Banking: Services and loans for local governments, schools, and nonprofits (10% of loan portfolio).
  • Digital Banking: Online and mobile banking, bill pay, and remote deposit for easy account access.
  • Wealth Management: Asset management, trust, and fiduciary services for individuals and organizations.

Growth Spurts: How Union Bankshares Has Evolved

  • Expanded digital banking services and technology investments in 2024 and 2025.
  • Purchased $75M in investment securities in Q4 2025 to boost future earnings.
  • Issued new shares in 2025, raising $1.5M for capital needs.
  • Opened and maintained 18 branches and 3 loan centers as of 2025.
  • Continued use of government-backed loan programs to support lending growth.

Why Union Bankshares Stands Out (Without Bragging)

Union Bankshares focuses on local communities in Vermont and New Hampshire, offering personal service and quick decisions. Its broad product range covers retail, business, and municipal needs. Strong regulatory capital and digital banking tools help it compete with larger banks.

Five Things You Need to Know

  • Total revenue was $23M in Q4 2025, up 5.4% from Q4 2024.
  • Net income reached $11.1M in 2025, a 26% increase year-over-year.
  • Total assets grew to $1.62B at year-end 2025, up 5.8% from 2024.
  • Noninterest income rose 17.9% in 2025, showing growth beyond lending.
  • Nonperforming assets were $13.8M (0.85% of assets) at year-end 2025.

Bottom Line

Union Bankshares has grown by expanding digital services and maintaining a local focus. Its steady financial performance and broad offerings support individuals, businesses, and communities in its region.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

195

CEO

David Scott Silverman

Website

www.ublocal.com

Headquarters

Morrisville, VT 05661-0667, US

UNB Financials

Key Financial Metrics (TTM)

Gross Margin

63.14%

Operating Margin

14.86%

Net Income Margin

13.42%

Return on Equity

14.72%

Return on Capital

3.13%

Return on Assets

0.78%

Earnings Yield

10.66%

Dividend Yield

6.11%

Payout Ratio

40.33%

Stock Overview

Market Cap

$108.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.61M

Volume

5.28K

Avg. Volume

19.07K

Financials (TTM)

Gross Profit

$57.05M

Operating Income

$13.43M

EBITDA

$14.30M

Operating Cash Flow

-$28.45M

Capital Expenditure

-$441.00K

Free Cash Flow

-$28.89M

Cash & ST Invst.

$6.52M

Total Debt

$332.40M

Union Bankshares Performance Analysis

Union Bankshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 53,208,0001.9%
20232023-12-31USD 67,275,00026.4%
20242024-12-31USD 77,943,00015.9%
20252025-12-31USD 87,520,00012.3%
Union Bankshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.3%
Q42025-12-310.0%
Q12026-03-31-2.3%
Q22026-06-305.9%
Union Bankshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.79-4.3%
20232023-12-31USD 2.48-11.2%
20242024-12-31USD 1.92-22.5%
20252025-12-31USD 2.4125.4%
Union Bankshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3044.2%
Q42025-12-31-20.0%
Q12026-03-318.3%
Q22026-06-30-6.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$23.30M

+8.9%

Gross Profit

$14.69M

+13.8%

Gross Margin

63.04%

N/A

Market Cap

$108.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$557.24K

N/A

Employees

195

N/A

Net Income

$2.92M

+22.1%

EBITDA

$3.23M

+11.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$6.52M

-95.7%

Total Debt

$332.40M

+15.8%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$332.40M

+15.8%

Short Term Debt

$0.00

N/A

Return on Assets

0.78%

N/A

Return on Invested Capital

0.86%

N/A

Free Cash Flow

-$2.45M

-543.0%

Operating Cash Flow

-$2.63M

-1013.2%

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Questions About UNB

What is the current price of Union Bankshares?

Union Bankshares is trading at $23.55 per share.

What is the 52-week range for Union Bankshares?

Over the past 52 weeks, Union Bankshares has traded between $20.65 and $27.65.

How much debt does Union Bankshares have?

As of the most recent reporting period, Union Bankshares reported total debt of $353.40M.

How much cash does Union Bankshares have on hand?

Union Bankshares does not have cash on hand data available.

What is Union Bankshares’s dividend yield?

Union Bankshares currently has a dividend yield of 6.11%.

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