Union Bankshares, Inc. logo

Union Bankshares, Inc.

UNB

NASDAQFinancial ServicesBanks - Regional

Previous close

$23.99

+$0.19 · +0.80%

Aug 21, 4:00 PM ET

Pre-market

$24.46

+$0.47 · +1.96%

Aug 24, 8:13 AM ET

UNB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

81

Deep Value

Momentum

41

Neutral

Sentiment

67

Bullish

Risk resilience

66

Moderate Risk

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Company profile

Company website

Union Bankshares, Inc., established in 1891 and based in Morrisville, Vermont, serves as the holding company for Union Bank. This institution provides a comprehensive suite of retail, commercial, and municipal banking services across northern Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking accounts, complemented by standby letters of credit. Additional services include asset management, fiduciary, and trust provisions. Customers manage their finances through a network of 18 banking offices, 3 loan centers, and numerous ATMs, supported by extensive telephone, internet, and mobile banking capabilities, debit cards, and online mortgage application services.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Jeffery F. Weidley
Listed since
Aug 9, 1999
Employees
195

Market position

Day range

Current $23.99

52-week range

Current $23.99

Open
$23.995
Previous close
$23.80
Volume
3.8K
0.25× average
Average volume
15.28K
Average daily volume
Market cap
110.69M USD
Beta
0.28
Market reference 1
50-day average
$24.3188
-1.35% below average
200-day average
$23.9403
+0.21% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
9.19×
P/B (TTM)
1.27×
P/S (TTM)
1.23×
Dividend yield
6.00%

Profitability & efficiency

Gross margin
63.14%
Operating margin
14.86%
Net margin
13.42%

Financial health

Debt / equity
3.91×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%69%36%3%Gross margin, FY2021: 93.18%Gross margin, FY2022: 91.48%Gross margin, FY2023: 72.10%Gross margin, FY2024: 60.84%Gross margin, FY2025: 61.54%Operating margin, FY2021: 30.28%Operating margin, FY2022: 28.73%Operating margin, FY2023: 19.14%Operating margin, FY2024: 11.71%Operating margin, FY2025: 13.78%Net margin, FY2021: 25.21%Net margin, FY2022: 23.77%Net margin, FY2023: 16.73%Net margin, FY2024: 11.24%Net margin, FY2025: 12.71%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.18%. Gross margin FY2022 91.48%. Gross margin FY2023 72.10%. Gross margin FY2024 60.84%. Gross margin FY2025 61.54%. Operating margin FY2021 30.28%. Operating margin FY2022 28.73%. Operating margin FY2023 19.14%. Operating margin FY2024 11.71%. Operating margin FY2025 13.78%. Net margin FY2021 25.21%. Net margin FY2022 23.77%. Net margin FY2023 16.73%. Net margin FY2024 11.24%. Net margin FY2025 12.71%.

Income trends

Revenue

87.3M USD+12.00%

Operating income

12.03M USD+31.72%

Net income

11.1M USD+26.68%
Income trends across reported periods95.15M USD63.74M USD32.32M USD907.1K USDRevenue, FY2021: 52.24M USDRevenue, FY2022: 53.07M USDRevenue, FY2023: 67.28M USDRevenue, FY2024: 77.94M USDRevenue, FY2025: 87.3M USDOperating income, FY2021: 15.82M USDOperating income, FY2022: 15.25M USDOperating income, FY2023: 12.88M USDOperating income, FY2024: 9.13M USDOperating income, FY2025: 12.03M USDNet income, FY2021: 13.17M USDNet income, FY2022: 12.62M USDNet income, FY2023: 11.26M USDNet income, FY2024: 8.76M USDNet income, FY2025: 11.1M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 52.24M USD. Revenue FY2022 53.07M USD. Revenue FY2023 67.28M USD. Revenue FY2024 77.94M USD. Revenue FY2025 87.3M USD. Operating income FY2021 15.82M USD. Operating income FY2022 15.25M USD. Operating income FY2023 12.88M USD. Operating income FY2024 9.13M USD. Operating income FY2025 12.03M USD. Net income FY2021 13.17M USD. Net income FY2022 12.62M USD. Net income FY2023 11.26M USD. Net income FY2024 8.76M USD. Net income FY2025 11.1M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue87.3M USD77.94M USD67.28M USD53.07M USD52.24M USD
Cost of goods sold33.57M USD30.52M USD18.77M USD4.52M USD3.57M USD
Gross profit53.73M USD47.42M USD48.51M USD48.55M USD48.67M USD
Selling, general, and administrative30.65M USD26.25M USD23.99M USD23.19M USD22.55M USD
Operating expenses41.7M USD38.29M USD35.63M USD33.3M USD32.85M USD
Interest income75.8M USD67.41M USD56.85M USD43.95M USD39.27M USD
Interest expense32.8M USD29.59M USD19.27M USD4.52M USD3.57M USD
Depreciation and amortization1.63M USD1.59M USD1.64M USD1.8M USD1.9M USD
Operating income12.03M USD9.13M USD12.88M USD15.25M USD15.82M USD
Net income11.1M USD8.76M USD11.26M USD12.62M USD13.17M USD

Company facts updated Aug 24, 2026.

UNB news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.44

2025 complete year+9.1% since 2021

2026 partial: $1.08

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jul 27, 2026

$0.36

Quarterly

Record Jul 27, 2026 · Payment Aug 6, 2026

Dividend

Ex-dividend Apr 27, 2026

$0.36

Quarterly

Record Apr 27, 2026 · Payment May 7, 2026

Dividend

Ex-dividend Jan 30, 2026

$0.36

Quarterly

Record Jan 31, 2026 · Payment Feb 5, 2026

Dividend

Ex-dividend Oct 24, 2025

$0.36

Quarterly

Record Oct 25, 2025 · Payment Nov 6, 2025

Dividend

Ex-dividend Jul 25, 2025

$0.36

Quarterly

Record Jul 26, 2025 · Payment Aug 7, 2025

Dividend

Ex-dividend Apr 25, 2025

$0.36

Quarterly

Record Apr 26, 2025 · Payment May 1, 2025

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