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Union Bankshares, Inc.(UNB)Earnings, Financials & Key Ratios
UNB•NASDAQ•Banking & Credit
$24.17
9.9× P/E·Price updated Jun 30, 2026
AboutUnion Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company 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; home improvement loans and overdraft; and residential construction and mortgage loans. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, 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 services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. It operates 18 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.Show more
- Net Interest Income$43M+13.7%
- Total Revenue$87M+12.0%
- Net Income$11M+26.7%
- Return on Equity15.06%+13.7%
- Net Interest Margin2.66%+7.4%
- Efficiency Ratio47.77%-2.8%
- ROA0.71%+20.8%
- Equity / Assets5%+15.0%
- Book Value per Share17.68+21.1%
UNB Price & Volume
Union Bankshares, Inc. (UNB) stock price & volume — 10-year historical chart
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Bond-Like Asset Composition Limits Core Profitability
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Localized economic concentration risk
Key Thesis Takeaways
- Union Bankshares exhibits a unique business model where total assets are heavily concentrated in a $1.6 billion investment securities portfolio, effectively functioning more like a bond fund than a traditional lender.
- While the bank has achieved a 12.2% year-over-year increase in net interest income as of 2026Q1, persistent net interest margin compression at 0.7% suggests limited upside from current interest rate environments.
- Investors should monitor the structural rigidity of the 49.1% efficiency ratio and the potential for credit volatility, as evidenced by the shift to a $325,000 provision expense in the most recent quarter.
Verdict Logic
while the 5.7% dividend yield is attractive, the bank's reliance on securities rather than loan growth and the persistent 0.7% net interest margin suggest limited fundamental catalysts for share price appreciation.
UNB Growth Metrics
Union Bankshares, Inc. (UNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.74%
5 Years10.6%
3 Years18.05%
TTM-
Profit CAGR
10 Years3.49%
5 Years-2.82%
3 Years-4.18%
TTM31.08%
EPS CAGR
10 Years3.22%
5 Years-3.14%
3 Years-4.5%
TTM28.57%
Return on Capital
10 Years10.86%
5 Years8.87%
3 Years4.61%
Last Year1.37%
UNB Recent Earnings
Union Bankshares, Inc. (UNB) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 8, 2026Metric
Actual
Est
EPS
$0.65
—
Rev
$22M
—
Q2 2026
Apr 15, 2026Metric
Actual
Est
EPS
$0.65
—
Rev
$22M
—
Q2 2026
Mar 20, 2026Metric
Actual
Est
EPS
$0.60
—
Rev
$23M
—
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.60
—
Rev
$23M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 8, 2026 | $0.65 | $22M |
| Q2 2026 | Apr 15, 2026 | $0.65 | $22M |
| Q2 2026 | Mar 20, 2026 | $0.60 | $23M |
| Q1 2026 | Feb 5, 2026 | $0.60 | $23M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Union Bankshares, Inc. (UNB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $24.17 | $111.52M | 9.95 | 12% | 12.71% | 15.06% | 5.86% | |
| $49.17 | $2.56B | 14.77 | 10.36% | 19.66% | 9.83% | — | |
| $33.16 | $1.67B | 22.41 | 13.44% | 13.35% | 6.32% | — | |
| $27.74 | $383.76M | 8.54 | -1.55% | 28.51% | 12.62% | — | |
| $81.87 | $266.43M | 9.88 | 11.78% | 14.94% | 11.03% | — | |
| $14.64 | $611.42M | 739.39 | -26.69% | 1.79% | 0.68% | — |
Compare UNB vs Peers
Union Bankshares, Inc. (UNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UNB SEC Filings & Documents
Union Bankshares, Inc. (UNB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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UNB Frequently Asked Questions
Union Bankshares, Inc. (UNB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Union Bankshares, Inc. growing?
Union Bankshares, Inc. (UNB) grew revenue by 12.0% over the past year. This is steady growth.
Is UNB profitable?
Yes, Union Bankshares, Inc. (UNB) is profitable, generating $11.6M in net income for fiscal year 2025 (12.7% net margin).
Dividend & Returns
Does UNB pay dividends?
Yes, Union Bankshares, Inc. (UNB) pays a dividend with a yield of 5.86%. This makes it attractive for income-focused investors.
What is UNB's return on equity?
Union Bankshares, Inc. (UNB) has a return on equity (ROE) of 15.1%. This is reasonable for most industries.
Industry Metrics
What is Union Bankshares, Inc.'s net interest margin?
Union Bankshares, Inc. (UNB) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
What is Union Bankshares, Inc.'s efficiency ratio?
Union Bankshares, Inc. (UNB) has an efficiency ratio of 47.8%. This is excellent, indicating strong cost control.