Union Bankshares (UNB) Stock Price, News & Analysis

Company Overview

Union Bankshares, Inc. is the bank holding company for Union Bank, a community banking institution headquartered in Morrisville, Vermont. Founded in 1891, the bank serves individuals, families, businesses and municipalities in northern Vermont and northern New Hampshire.

Union Bank provides a range of traditional banking products and services, including checking and savings accounts, certificates of deposit, residential mortgages, consumer loans and commercial lending. Its business banking offerings support local companies with credit, deposit accounts, cash-management services and other financial solutions.

Through its branch network and digital banking channels, Union Bank also offers online and mobile banking, electronic payments and related financial services. The company’s operations are focused on community banking and maintaining long-term relationships with customers in the markets it serves.

Key Stats

• Today's Range: $23.73 to $23.96
• 50-Day Range: $23.03 to $25.70
• 52-Week Range: $20.65 to $26.54
• Volume: 3,293 shs
• Average Volume: 12,034 shs
• Market Capitalization: $117.46 million
• P/E Ratio: 9.09
• Dividend Yield: 6.07%
• Price Target: N/A
• Consensus Rating: Hold

Union Bankshares Stock Analysis - MarketRank™

Union Bankshares scored higher than 54% of companies evaluated by MarketBeat, and ranked 577th out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Union Bankshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Union Bankshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Union Bankshares is 9.05, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of Union Bankshares is 9.05, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.22.

Price to Book Value per Share Ratio

Union Bankshares has a P/B Ratio of 1.34. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.36% of the float of Union Bankshares has been sold short.

Short Interest Ratio / Days to Cover

Union Bankshares has a short interest ratio ("days to cover") of 3.03, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Union Bankshares has recently increased by 23.20%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Union Bankshares is a leading dividend payer. It pays a dividend yield of 6.11%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Union Bankshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Union Bankshares is 55.17%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 1.10

News Sentiment

Union Bankshares has a news sentiment score of 1.10. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.82 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Union Bankshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 3.8 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

2 insiders have purchased shares of Union Bankshares in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $33,180.00 in company stock, which represents 0.0284% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Union Bankshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $33,180.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

2.08% of the stock of Union Bankshares is held by insiders.

Percentage Held by Institutions

14.84% of the stock of Union Bankshares is held by institutions.

Company Calendar

• Last Earnings: 2/05/2026
• Record date for 8/6 Dividend: 7/27/2026
• Ex-Dividend for 8/6 Dividend: 7/27/2026
• Dividend Payable: 8/06/2026
• Today: 9/17/2026
• Next Earnings (Estimated): 10/21/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UNB
• CIK: 706863
• Web: www.ublocal.com
• Phone: (802) 888-6600
• Fax: 1-800-522-2950
• Employees: 195
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.61
• Trailing P/E Ratio: 9.09
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.08 million
• Net Margins: 13.50%
• Pretax Margin: 14.96%
• Return on Equity: 14.70%
• Return on Assets: 0.76%

Debt

• Debt-to-Equity Ratio: 0.18
• Current Ratio: 0.80
• Quick Ratio: 0.79

Sales & Book Value

• Annual Sales: $86.06 million
• Price / Sales: 1.36
• Cash Flow: $2.91 per share
• Price / Cash Flow: 8.15
• Book Value: $17.65 per share
• Price / Book: 1.34

Miscellaneous

• Outstanding Shares: 4,950,000
• Free Float: 4,843,000
• Market Cap: $117.44 million
• Optionable: Not Optionable
• Beta: 0.30