UNION BANKSHARES INC

UNB

UNION BANKSHARES INC

UNB

Insider Sentiment (TTM):

Last Purchase:2026-02-05Last Sale:-Shares Purchased (TTM):317.81Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:891,299Shares Outstanding:4,613,720Institutional Ownership Pct.:19.32%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	7	5	5	5	5	5	5	4	4	4	4	4
Federal Funds Sold	24	25	8	31	25	9	11	43	26	19	73	17
Cash And Cash Equivalents At Carrying Value	31	30	12	35	29	14	16	47	31	23	78	21
Debt Securities Available For Sale Excluding Accru…	306	314	326	260	241	248	251	245	253	258	264	249
Other Investments	2	2	2	2	2	2	2	2	2	2	2	1
Investments	308	316	328	262	242	250	252	247	254	259	266	250
Loans Receivable Held For Sale Net Not Part Of Dis…	5	4	4	5	9	4	5	8	6	3	3	6
Assets
Assets	1,559	1,625	1,617	1,574	1,480	1,525	1,528	1,519	1,398	1,418	1,469	1,396
Financing Receivable Excluding Accrued Interest Be…	-	1,177	1,175	1,174	1,103	1,161	1,156	1,117	1,006	1,034	1,028	1,022
Financing Receivable Allowance For Credit Loss Exc…	-	-8	-8	-8	-8	-8	-8	-7	-7	-7	-7	-7
Financing Receivable Unamortized Loan Fee Cost	-	2	2	2	2	2	2	2	2	2	2	2
Financing Receivable Excluding Accrued Interest Af…	-	1,171	1,168	1,168	1,097	1,155	1,150	1,112	1,001	1,029	1,023	1,016
Property Plant And Equipment Net	20	20	20	20	20	20	20	20	21	21	21	20
Bank Owned Life Insurance	-	-	-	-	-	-	-	-	-	-	19	19
Other Assets	76	77	75	75	76	74	75	71	72	68	63	47
Liabilities And Stockhold…
Liabilities
Noninterest Bearing Deposit Liabilities	217	221	227	227	217	233	226	234	223	222	251	229
Deposits
Deposits	1,094	1,200	1,215	1,190	1,103	1,181	1,169	1,173	1,053	1,172	1,306	1,222
Time Deposits	292	275	262	311	308	266	228	296	272	300	289	285
Advances From Federal Home Loan Banks	-	-	-	-	-	-	-	-	-	-	-	91
Subordinated Debt	16	16	16	16	16	16	16	16	16	16	16	16
Other Liabilities	21	17	19	20	19	16	17	17	18	15	16	17
Liabilities	1,468	1,545	1,536	1,496	1,409	1,455	1,462	1,447	1,334	1,354	1,403	1,346
Stockholders Equity Inclu…
Common Stock Value	11	10	10	10	10	10	10	10	10	10	10	10
Additional Paid In Capital	12	5	5	4	3	3	3	3	3	3	3	3
Retained Earnings Accumulated Deficit	99	98	96	95	93	93	92	90	91	90	89	88
Treasury Stock Common Value	-4	-4	-4	-4	-4	-4	-4	-4	-4	-4	-4	-4
Accumulated Other Comprehensive Income Loss Net Of…	-27	-28	-26	-28	-31	-31	-34	-27	-35	-35	-32	-47
Liabilities And Stockholders Equity	1,559	1,625	1,617	1,574	1,480	1,525	1,528	1,519	1,398	1,418	1,469	1,396
Stockholders Equity	90	81	81	78	71	70	66	72	64	64	66	49
Common Stock Par Or Stated Value Per Share	2	2	2	2	2	2	2	2	2	2	2	2
Common Stock Shares Authorized	8	8	8	8	8	8	8	8	8	8	8	8
Common Stock Shares Issued	5	5	5	5	5	5	5	5	5	5	5	5
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-4.47%	2.73%	2.56%	-	-	-	-	-	-	-	-	-
2025	-19.86%	-20.84%	-24.64%	-6.47%	-9.62%	-16.27%	-0.99%	2.07%	8.67%	8.53%	9.05%	4.90%
2024	-7.78%	-16.34%	-4.86%	7.93%	9.13%	20.80%	15.36%	-6.90%	4.54%	-2.82%	8.19%	-11.82%
2023	-	-	-	-8.89%	-9.14%	7.41%	4.92%	10.48%	4.92%	-10.27%	-21.61%	-28.59%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.70	-0.71	-0.72	-0.71	-0.76	-0.37	0.09	0.68	1.43	1.53	1.67	1.91
Per Share Metrics
Diluted EPS TTM	2.51	2.49	2.41	2.46	2.01	1.94	1.92	1.93	2.20	2.36	2.48	2.57
Free Cash Flow Per Share TTM	4.36	3.14	3.50	4.10	2.25	2.98	2.45	1.69	1.39	1.51	1.61	2.48
Dividend Per Share TTM	1.38	1.43	1.44	1.43	1.44	1.44	1.44	1.44	1.44	1.44	1.44	1.43
Margin Metrics
Gross Profit Margin TTM	57.71%	57.18%	56.76%	56.56%	55.76%	56.11%	56.46%	37.16%	38.10%	40.08%	43.58%	72.33%
Operating Profit Margin TTM	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Profit Margin TTM	15.46%	15.04%	14.62%	15.15%	12.67%	12.52%	12.89%	13.60%	16.04%	17.92%	19.71%	21.56%
Growth Metrics
Net Revenue Growth (1Y)	7.64%	9.05%	11.53%	15.49%	16.59%	18.33%	18.99%	19.85%	23.23%	26.28%	29.95%	29.88%
Net Income Growth (1Y)	31.35%	30.96%	26.47%	28.65%	-7.95%	-17.31%	-22.17%	-24.40%	-22.22%	-18.41%	-10.76%	-7.15%
EPS Growth (1Y)	24.68%	28.82%	25.48%	27.54%	-8.40%	-17.66%	-22.42%	-24.67%	-22.44%	-18.59%	-11.02%	-7.41%
Valuation Metrics
P/E TTM	9.45	9.41	9.35	9.41	12.22	14.89	13.61	11.99	8.61	11.29	10.63	7.09
P/B TTM	1.27	1.35	1.28	1.37	1.58	1.88	1.79	1.46	1.35	1.89	1.82	1.68
P/S TTM	1.46	1.41	1.37	1.43	1.55	1.86	1.75	1.63	1.38	2.02	2.10	1.53
Market Cap	114.46M	108.97M	103.55M	106.61M	112.70M	131.71M	119.24M	105.65M	86.22M	120.76M	119.67M	82.61M
Enterprise Value	83.48M	79.15M	91.25M	71.14M	83.43M	118.00M	103.40M	58.39M	55.71M	98.10M	120.95M	61.28M
Calculated Values
Free Cash Flow TTM	20.88M	14.51M	15.97M	18.71M	10.23M	13.52M	11.08M	7.66M	6.29M	6.84M	7.25M	11.16M
Net Debt	-30.98M	-29.82M	-12.30M	-35.47M	-29.27M	-13.71M	-15.84M	-47.26M	-30.51M	-22.66M	1.29M	-21.33M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-02-05Purchase

Owner: Hogan, Patricia N

Title: -

Shares: 9

Price/Share: $25.28

Value: $216.65

Shares Owned: 9,558

Relationship: Other

Ownership: Direct

2025-12-01Purchase

Owner: Van, Dyke Cornelius John

Title: Chairman

Shares: 250

Price/Share: $22.60

Value: $5,650.00

Shares Owned: 5,141

Relationship: Director,Officer

Ownership: Direct

2025-11-06Purchase

Owner: Hogan, Patricia N

Title: -

Shares: 9

Price/Share: $23.09

Value: $213.35

Shares Owned: 9,923

Relationship: Other

Ownership: Direct

2025-11-05Purchase

Owner: Parent, Mary K

Title: -

Shares: 50

Price/Share: $23.53

Value: $1,176.50

Shares Owned: 1,553

Relationship: Director

Ownership: Direct

2025-02-06Purchase

Owner: Hogan, Patricia N

Title: -

Shares: 6

Price/Share: $31.79

Value: $206.00

Shares Owned: 7,961

Relationship: Other

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-02-05	Hogan, Patricia N	Other	-	Direct	Purchase	9	25.28	$216.65	9,558	4
2025-12-01	Van, Dyke Cornelius John	Director,Officer	Chairman	Direct	Purchase	250	22.60	$5,650.00	5,141	5
2025-11-06	Hogan, Patricia N	Other	-	Direct	Purchase	9	23.09	$213.35	9,923	4
2025-11-05	Parent, Mary K	Director	-	Direct	Purchase	50	23.53	$1,176.50	1,553	5
2025-02-06	Hogan, Patricia N	Other	-	Direct	Purchase	6	31.79	$206.00	7,961	4
2024-08-01	Hogan, Patricia N	Other	-	Direct	Purchase	8	24.98	$200.59	7,878	5
2024-02-22	Parent, Mary K	Director	-	Direct	Purchase	100	31.15	$3,115.00	584	4
2024-02-01	Hogan, Patricia N	Other	-	Direct	Purchase	7	29.81	$195.55	6,071	4
2023-11-02	Hogan, Patricia N	Other	-	Direct	Purchase	206	26.20	$5,393.53	6,497	4
2023-09-13	Silverman, David Scott	Director,Officer	President & CEO	Direct	Purchase	500	20.11	$10,055.00	28,591	4
2023-09-13	Bugbee, Dawn D	Director	-	Direct	Purchase	300	20.89	$6,267.00	4,508	4
2023-03-13	Bugbee, Dawn D	Director	-	Direct	Purchase	230	20.39	$4,689.70	4,474	4/A
2023-03-13	Bugbee, Dawn D	Director	-	Direct	Purchase	234	20.39	$4,771.26	3,724	4/A
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Institutional Ownership

No data available for chart

2026-03-31

19.32%

Inst. Shares: 891,299

Shares Outstanding: 4,613,720

2025-12-31

20.11%

Inst. Shares: 916,917

Shares Outstanding: 4,558,767

2025-09-30

23.29%

Inst. Shares: 1,062,747

Shares Outstanding: 4,563,784

2025-06-30

23.54%

Inst. Shares: 1,069,755

Shares Outstanding: 4,544,460

2025-03-31

19.99%

Inst. Shares: 907,436

Shares Outstanding: 4,538,361

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	891,299	4,613,720	19.32%
2025-12-31	916,917	4,558,767	20.11%
2025-09-30	1,062,747	4,563,784	23.29%
2025-06-30	1,069,755	4,544,460	23.54%
2025-03-31	907,436	4,538,361	19.99%
2024-12-31	888,314	4,523,140	19.64%
2024-09-30	744,818	4,524,319	16.46%
2024-06-30	731,994	4,521,829	16.19%
2024-03-31	753,953	4,519,209	16.68%
2023-12-31	652,792	4,508,868	14.48%
2023-09-30	497,015	4,508,028	11.03%
2023-06-30	476,989	4,508,593	10.58%
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UNION BANKSHARES INC (UNB) — SEC Financial Statements & Analysis

UNION BANKSHARES INC (UNB) is a state commercial banks company, incorporated in VT. UNION BANKSHARES INC trades on Nasdaq as: UNB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), UNION BANKSHARES INC reported a 7.64% year-over-year revenue growth, a Gross Profit Margin of 57.71% (TTM), a Price-to-Sales (P/S) ratio of 1.46x (TTM), a Price-to-Book (P/B) ratio of 1.27x (TTM), at a market cap of $114.46M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 7.64%
Gross Profit Margin TTM: 57.71%
P/S TTM: 1.46x
P/B TTM: 1.27x
Market Cap: $114.46M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is UNION BANKSHARES INC in?

UNION BANKSHARES INC (UNB) operates in the State Commercial Banks industry.

What is UNB's market cap?

UNION BANKSHARES INC (UNB) has a market capitalization of $114.46M as of 2026-06-30.

What is UNB's P/E ratio?

UNION BANKSHARES INC (UNB)'s trailing twelve month P/E ratio is 9.45x as of 2026-06-30.

What exchange does UNB trade on?

UNION BANKSHARES INC (UNB) trades on the Nasdaq.

Where is UNION BANKSHARES INC incorporated?

UNION BANKSHARES INC is incorporated in VT.