Union Bankshares, Inc. (UNB) AI Stock Analysis

Established in 1891 and headquartered in Morrisville, Vermont, Union Bankshares, Inc. operates as the bank holding company for Union Bank. The institution delivers retail, commercial, and municipal banking solutions across northern Vermont and New Hampshire. Its retail offerings encompass personal checking, savings, money market, health savings accounts, retirement accounts, and certificates of deposit. For commercial clients, it provides commercial real estate financing, equipment loans, working capital solutions, and small business administration guaranteed loans, alongside residential mortgages. The bank also features online cash management, remote deposit capture, merchant services, ATM access, debit cards, and comprehensive fiduciary and trust management services.

Union Bankshares grew annual revenue from $52.2M in FY2021 to $87.3M in FY2025, representing a 5-year revenue CAGR of 10.6%. Operating margin shifted from 30.3% in FY2021 to 13.8% in FY2025, while net margin moved from 25.2% to 12.7%. Annual net income was $11.1M in FY2025, producing EPS of $2.43. For the trailing twelve months ending June 30, 2026, revenue stood at $57.0M with an operating margin of 22.0% and net margin of 21.2%. In the latest quarter ended June 30, 2026, quarterly revenue grew 13.1% year-over-year, while quarterly earnings grew 15.4% year-over-year.

As of June 30, 2026, Union Bankshares held $6.5M in cash and short-term investments alongside total debt of $353.4M, resulting in net debt of $346.9M. Total assets stood at $1.56B against shareholders' equity of $90.4M, with a current ratio of 0.31 and a debt-to-equity ratio of 3.91. Operating cash flow in FY2025 was $17.2M, supporting free cash flow of $16.0M after $1.3M in capital expenditures. In FY2025, the company distributed $6.5M in dividends.

At a share price of $23.00, Union Bankshares trades at a trailing price-to-earnings multiple of 8.9x, below the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 11.7x sits above the peer median of 10.8x. The stock trades at a price-to-sales ratio of 2.0x, lower than the peer median of 3.2x, and a price-to-book ratio of 1.3x. Over the past year, the stock declined 0.9%, trailing the S&P 500 (SPY) return of 16.8%. Over five years, the stock returned -7.8% compared to 83.0% for the S&P 500.

Union Bankshares provides an annualized forward dividend of $1.44 per share, translating to a dividend yield of 6.25%. Dividends are distributed on a quarterly frequency, with the last ex-dividend date on July 27, 2026. The bank maintains a payout ratio of 55.2% and has paid dividends for 28 consecutive years, achieving an annualized 5-year dividend growth rate of 2.4%.

Union Bankshares currently has no tracked Wall Street analyst price targets or consensus buy and sell recommendations. The bank's trailing twelve-month earnings per share stand at $2.59, and it achieved quarterly earnings growth of 15.4% in the quarter ended June 30, 2026. The company is scheduled to report its next earnings on November 6, 2026.

This page is an AI-written research summary of Union Bankshares, Inc. (UNB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: UNB income statement, UNB balance sheet, UNB key metrics, UNB chart. See the UNB stock overview for the latest quote and news.