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    Union Bankshares, Inc. (UNB)

    Price:

    24.49 USD

    ( + 0.17 USD)

    Your position:

    0 USD

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    ABOUT
    Symbol
    UNB
    Name
    Union Bankshares, Inc.
    Industry
    Banks - Regional
    Sector
    Financial Services
    Price
    24.490
    Market Cap
    112.224M
    Enterprise value
    411.299M
    Currency
    USD
    Ceo
    David Scott Silverman
    Full Time Employees
    191
    Ipo Date
    1999-08-09
    City
    Morrisville
    Address
    20 Lower Main Street

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    SIMILAR COMPANIES STI SCORE

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    Industry
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    The First Bancorp, Inc.

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    Market Cap
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    Industry
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    The best

    Bank OZK

    VALUE SCORE:

    14

    Symbol
    OZK
    Market Cap
    5.485B
    Industry
    Banks - Regional
    Sector
    Financial Services
    FUNDAMENTALS
    P/E
    10.091
    P/S
    1.289
    P/B
    1.385
    Debt/Equity
    3.744
    EV/FCF
    22.181
    Price to operating cash flow
    -1.000
    Price to free cash flow
    -1.000
    EV/sales
    4.768
    Earnings yield
    0.099
    Debt/assets
    0.187
    FUNDAMENTALS
    Net debt/ebidta
    22.873
    Interest coverage
    0.367
    Research And Developement To Revenue
    0
    Intangile to total assets
    0
    Capex to operating cash flow
    0.056
    Capex to revenue
    0.013
    Capex to depreciation
    0.697
    Return on tangible assets
    0.007
    Debt to market cap
    2.698
    Piotroski Score
    6.000
    FUNDAMENTALS
    PEG
    -3.579
    P/CF
    5.612
    P/FCF
    5.956
    RoA %
    0.686
    RoIC %
    -5.396
    Gross Profit Margin %
    61.427
    Quick Ratio
    0.094
    Current Ratio
    0.094
    Net Profit Margin %
    12.750
    Net-Net
    -335.976
    FUNDAMENTALS PER SHARE
    FCF per share
    4.092
    Revenue per share
    19.035
    Net income per share
    2.427
    Operating cash flow per share
    4.334
    Free cash flow per share
    4.092
    Cash per share
    0
    Book value per share
    17.684
    Tangible book value per share
    17.684
    Shareholders equity per share
    17.684
    Interest debt per share
    73.389
    TECHNICAL
    52 weeks high
    36.000
    52 weeks low
    20.650
    Current trading session High
    24.620
    Current trading session Low
    24.010
    DIVIDEND
    Dividend yield
    5.88%
    Payout ratio
    58.2%
    Years of div. Increase
    0
    Years of div.
    27.000
    Q-shift
    2.000
    Dividend per share
    1.440
    SIMILAR COMPANIES
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.0747012%
    Payout Ratio
    105.61622%
    P/E
    14.786
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    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.004331348%
    Payout Ratio
    -3.8395631999999997%
    P/E
    -2.532
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    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.017532468%
    Payout Ratio
    18.970972%
    P/E
    15.759
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    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.01815088%
    Payout Ratio
    16.241214%
    P/E
    10.162
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    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0%
    Payout Ratio
    0%
    P/E
    -5.239
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.034546576%
    Payout Ratio
    55.848485000000004%
    P/E
    15.872
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.014787431%
    Payout Ratio
    34.605074%
    P/E
    23.165
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.028951116%
    Payout Ratio
    20.552455%
    P/E
    9.427
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.018237082%
    Payout Ratio
    27.248603%
    P/E
    15.278
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.011827321%
    Payout Ratio
    29.918128%
    P/E
    29.998
    DESCRIPTION

    Union 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.

    NEWS
    https://images.financialmodelingprep.com/news/union-bankshares-i-trust-the-58-dividend-yield-20260126.jpg
    Union Bankshares: I Trust The 5.8% Dividend Yield

    seekingalpha.com

    2026-01-26 10:30:00

    Union Bankshares demonstrates robust loan quality, with minimal loans past due and a conservative loan loss provision strategy. UNB reported a Q4 net profit of $2.7M, down 10% YoY, mainly due to increased non-interest expenses, particularly salaries and benefits. The bank's loan book is heavily weighted toward residential and commercial real estate, with strong collateralization supporting low credit risk.

    https://images.financialmodelingprep.com/news/headtohead-survey-carter-bankshares-nasdaqcare-vs-union-bankshares-nasdaqunb-20260126.png
    Head-To-Head Survey: Carter Bankshares (NASDAQ:CARE) vs. Union Bankshares (NASDAQ:UNB)

    defenseworld.net

    2026-01-26 01:00:49

    Carter Bankshares (NASDAQ: CARE - Get Free Report) and Union Bankshares (NASDAQ: UNB - Get Free Report) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, institutional ownership, valuation, profitability, earnings, analyst recommendations and dividends. Institutional and Insider Ownership 41.5% of Carter

    https://images.financialmodelingprep.com/news/union-bankshares-announces-earnings-for-the-three-months-and-20260121.jpg
    Union Bankshares Announces Earnings for the three months and year ended December 31, 2025 and Declares Quarterly Dividend

    globenewswire.com

    2026-01-21 15:00:00

    MORRISVILLE, Vt., Jan. 21, 2026 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ – UNB) today announced results for the three months and year ended December 31, 2025, and declared a regular quarterly cash dividend. Consolidated net income for the three months ended December 31, 2025, was $2.7 million, or $0.60 per share, compared to $3.0 million, or $0.67 per share, for the same period in 2024 and $11.1 million, or $2.43 per share for the year ended December 31, 2025 compared to $8.8 million, or $1.94 per share for the same period in 2024. Earnings for the three months and year ended December 31, 2024 were reduced by the impact of the strategic balance sheet repositioning whereby the Company's wholly-owned subsidiary, Union Bank, executed the sale of $38.8 million in book value of its lower-yielding available-for-sale debt securities for a pre-tax realized loss of $1.3 million, which was recorded in the third quarter of 2024.

    https://images.financialmodelingprep.com/news/hanover-bancorp-nasdaqhnvr-union-bankshares-nasdaqunb-head-to-head-20260113.jpg
    Hanover Bancorp (NASDAQ:HNVR) & Union Bankshares (NASDAQ:UNB) Head to Head Analysis

    defenseworld.net

    2026-01-13 02:14:54

    Union Bankshares (NASDAQ: UNB - Get Free Report) and Hanover Bancorp (NASDAQ: HNVR - Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, analyst recommendations and dividends. Analyst Recommendations This is a summary of

    https://images.financialmodelingprep.com/news/head-to-head-comparison-flagstar-bank-national-association-nyseflg-20251214.jpg
    Head to Head Comparison: Flagstar Bank, National Association (NYSE:FLG) and Union Bankshares (NASDAQ:UNB)

    defenseworld.net

    2025-12-14 01:59:15

    Flagstar Bank, National Association (NYSE: FLG - Get Free Report) and Union Bankshares (NASDAQ: UNB - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, profitability, analyst recommendations, risk, valuation, institutional ownership and earnings. Analyst Recommendations This is a breakdown

    https://images.financialmodelingprep.com/news/contrasting-metropolitan-bank-nysemcb-and-union-bankshares-nasdaqunb-20251211.png
    Contrasting Metropolitan Bank (NYSE:MCB) and Union Bankshares (NASDAQ:UNB)

    defenseworld.net

    2025-12-11 02:14:49

    Metropolitan Bank (NYSE: MCB - Get Free Report) and Union Bankshares (NASDAQ: UNB - Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, dividends, profitability, valuation and earnings. Profitability This table compares Metropolitan Bank and

    https://images.financialmodelingprep.com/news/union-bankshares-announces-earnings-for-the-three-and-nine-20251015.jpeg
    Union Bankshares Announces Earnings for the three and nine months ended September 30, 2025 and Declares Quarterly Dividend

    globenewswire.com

    2025-10-15 16:26:00

    MORRISVILLE, Vt., Oct. 15, 2025 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) today announced results for the three and nine months ended September 30, 2025 and declared a regular quarterly cash dividend. Consolidated net income was $3.4 million and $8.3 million for the three and nine months ended September 30, 2025, respectively, compared to $1.3 million and $5.8 million for the three and nine months ended September 30, 2024, respectively. Earnings for the three and nine months ended September 30, 2024 were reduced by the impact of the strategic balance sheet repositioning whereby the Company's wholly-owned subsidiary, Union Bank, executed the sale of $38.8 million in book value of its lower-yielding available-for-sale debt securities for a pre-tax realized loss of $1.3 million, which was recorded in the third quarter of 2024.

    https://images.financialmodelingprep.com/news/acadian-timber-corp-announces-25m-investment-in-unbs-digital-20250922.jpg
    Acadian Timber Corp. Announces $2.5M Investment in UNB's Digital Forestry Program

    globenewswire.com

    2025-09-22 17:05:00

    EDMUNDSTON, New Brunswick, Sept. 22, 2025 (GLOBE NEWSWIRE) -- Acadian Timber Corp. (“Acadian”) (TSX:ADN), together with its largest shareholder Macer Forest Holdings Inc. (“Macer”), is investing $2.5 million over 5 years in the University of New Brunswick (“UNB”) to drive innovation in digital forestry. The funding of this contribution will be split equally between Acadian and Macer. The investment will support the creation of a new digital stream within UNB's master of forestry program and fund infrastructure upgrades to enhance education and research capabilities.

    https://images.financialmodelingprep.com/news/union-bankshares-unb-q2-net-jumps-19-20250807.jpg
    Union Bankshares (UNB) Q2 Net Jumps 19%

    fool.com

    2025-08-07 14:54:35

    Union Bankshares (UNB 3.96%), a community-focused bank serving Northern Vermont and New Hampshire, announced its earnings results for the second quarter of fiscal 2025 on August 7, 2025. The company reported net income of $2.4 million (GAAP).

    https://images.financialmodelingprep.com/news/union-bankshares-do-not-be-drawn-to-the-high-20250806.jpg
    Union Bankshares: Do Not Be Drawn To The High Dividend Yield

    seekingalpha.com

    2025-08-06 17:31:53

    Union Bankshares operates in Vermont and New Hampshire with limited growth prospects and faces subpar financial metrics compared to peers. The bank's loan portfolio is heavily concentrated in residential and commercial real estate, exposing it to regional economic risks. Despite a high 5.41% dividend yield, Union Bankshares has not increased its payout since early 2023, signaling limited financial flexibility.

    https://images.financialmodelingprep.com/news/union-bankshares-announces-earnings-for-the-three-and-six-20250716.jpg
    Union Bankshares Announces Earnings for the three and six months ended June 30, 2025 and Declares Quarterly Dividend

    globenewswire.com

    2025-07-16 17:01:00

    MORRISVILLE, VT., July 16, 2025 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) today announced results for the three and six months ended June 30, 2025 and declared a regular quarterly cash dividend. Consolidated net income for the three months ended June 30, 2025 was $2.4 million, or $0.53 per share, compared to $2.0 million, or $0.45 per share, for the same period in 2024, and $4.9 million, or $1.08 per share, for the six months ended June 30, 2025, compared to $4.4 million, or $0.98 per share, for the same period in 2024.

    https://images.financialmodelingprep.com/news/union-bankshares-announces-earnings-for-the-three-months-and-20250115.jpg
    Union Bankshares Announces Earnings for the three months and year ended December 31, 2024 and Declares Quarterly Dividend

    globenewswire.com

    2025-01-15 15:16:00

    MORRISVILLE, Vt., Jan. 15, 2025 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) today announced results for the three months and year ended December 31, 2024 and declared a regular quarterly cash dividend.

    https://images.financialmodelingprep.com/news/union-bankshares-earnings-likely-to-recover-soon-dividend-yield-20241029.jpg
    Union Bankshares: Earnings Likely To Recover Soon; Dividend Yield Of 4.9%

    seekingalpha.com

    2024-10-29 20:49:46

    Interest rate cuts and tight local labor markets will drive Union Bankshares' loan growth. However, elevated home prices may put a dampener on growth. The recent balance sheet repositioning and the ongoing down-rate cycle will lift the margin. The December 2025 target price suggests a mid-single-digit upside from the October 28 closing price.

    https://images.financialmodelingprep.com/news/union-bankshares-announces-earnings-for-the-three-and-nine-20241016.jpg
    Union Bankshares Announces Earnings for the three and nine months ended September 30, 2024 and Declares Quarterly Dividend

    globenewswire.com

    2024-10-16 16:15:00

    MORRISVILLE, Vt., Oct. 16, 2024 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) today announced results for the three and nine months ended September 30, 2024 and declared a regular quarterly cash dividend. Consolidated net income for the three months ended September 30, 2024 was $1.3 million, or $0.29 per share, compared to $2.5 million, or $0.56 per share, for the same period in 2023, and $5.8 million, or $1.27 per share, for the nine months ended September 30, 2024, compared to $8.2 million, or $1.82 per share for the same period in 2023. The decrease in earnings for the comparison periods was primarily due to the impact of the previously announced strategic balance sheet repositioning executed during the third quarter. The Company's wholly-owned subsidiary, Union Bank, executed the sale of $38.8 million in book value of its lower-yielding available-for-sale debt securities for a pre-tax realized loss of $1.3 million, which was recorded in the third quarter of 2024.

    https://images.financialmodelingprep.com/news/union-bankshares-announces-balance-sheet-repositioning-20240904.jpg
    Union Bankshares Announces Balance Sheet Repositioning

    globenewswire.com

    2024-09-04 15:00:00

    MORRISVILLE, Vt., Sept. 04, 2024 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) today announced the completion of a balance sheet repositioning related to its investment securities portfolio.