UNB

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Union Bankshares, Inc.

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Key Metrics

Previous Close: $24.29
52-Week Range: $20.65 – $27.20
Market Cap: $117.71M
P/E (TTM): 9.19
EPS (TTM): 2.59
Dividend Yield: 5.93%

Advanced Metrics

Price/Book: 1.26
PEG Ratio: —
Return on Equity: 14.98%
Return on Assets: 0.80%
Gross Margin: 0.00%
Operating Margin: 21.96%
Profit Margin: 21.24%
Current Ratio: —
Debt/Equity: —
Total Debt: $353.40M
Free Cash Flow: —
Revenue Growth: 13.10%
Earnings Growth: 15.40%
Enterprise Value: $434.59M

UNB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$47.90M	$46.84M	$46.83M	$53.23M
Selling, General & Admin	$20.35M	$20.61M	$22.56M	$25.41M
Pretax Income	$15.25M	$12.88M	$9.13M	$12.01M
Income Tax	$2.63M	$1.62M	$369.00K	$928.00K
Net Income	$12.62M	$11.26M	$8.76M	$11.08M
Diluted EPS	2.81	2.50	1.94	2.43
Diluted Shares	4.49M	4.50M	4.52M	4.56M

UNB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$20.93M	$19.12M	$14.63M	$13.61M
Total Assets	$1.34B	$1.47B	$1.53B	$1.62B
Long-Term Debt	$66.20M	$81.94M	$275.97M	$302.79M
Total Debt	$66.20M	$81.94M	$275.97M	$302.79M
Total Liabilities	$1.28B	$1.40B	$1.46B	$1.54B
Retained Earnings	$84.67M	$89.47M	$91.72M	$96.25M
Shareholders' Equity	$55.22M	$65.81M	$66.48M	$80.86M
Net Debt	$45.27M	$62.82M	$261.34M	$289.18M

UNB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$29.03M	$9.19M	$12.15M	$17.23M
Capital Expenditure	-$665.00K	-$1.95M	-$1.07M	-$1.25M
Free Cash Flow	$28.37M	$7.25M	$11.08M	$15.97M
Depreciation & Amortisation	$1.80M	$1.64M	$1.59M	$1.63M
Stock-Based Compensation	$446.00K	$374.00K	$398.00K	$494.00K
Investing Cash Flow	-$207.58M	-$82.25M	-$124.83M	-$88.33M
Financing Cash Flow	$150.51M	$112.84M	$50.85M	$67.57M
Dividends Paid	-$6.24M	-$6.42M	-$6.44M	-$6.48M
Share Repurchases	-$79.00K	-$130.00K	$0.00	—
Net Change in Cash	-$28.04M	$39.78M	-$61.83M	-$3.54M

UNB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$12.91M	$14.16M	$13.72M	$13.42M	—
Selling, General & Admin	$6.71M	$6.54M	$6.13M	$6.39M	—
Pretax Income	$2.50M	$3.85M	$3.01M	$3.33M	—
Income Tax	$102.00K	$414.00K	$262.00K	$328.00K	—
Net Income	$2.40M	$3.44M	$2.75M	$3.00M	—
Diluted EPS	0.53	0.75	0.60	0.65	0.61
Diluted Shares	4.52M	4.58M	4.58M	4.62M	4.79M

UNB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$12.73M	$11.69M	$13.38M	$13.61M	$12.46M
Total Assets	$1.52B	$1.48B	$1.57B	$1.62B	$1.63B
Long-Term Debt	$256.98M	$286.96M	$287.14M	$302.79M	$327.30M
Total Debt	$256.98M	$286.96M	$287.14M	$302.79M	$327.30M
Total Liabilities	$1.45B	$1.41B	$1.50B	$1.54B	$1.54B
Retained Earnings	$92.59M	$93.35M	$95.15M	$96.25M	$97.59M
Shareholders' Equity	$70.07M	$71.26M	$77.68M	$80.86M	$80.56M
Net Debt	$244.25M	$275.27M	$273.76M	$289.18M	$314.84M

UNB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$4.06M	$288.00K	$9.71M	$3.17M	$2.63M
Capital Expenditure	-$143.00K	-$669.00K	-$155.00K	-$286.00K	-$180.00K
Free Cash Flow	$3.92M	-$381.00K	$9.55M	$2.88M	$2.45M
Depreciation & Amortisation	$380.00K	$406.00K	$426.00K	$419.00K	$424.00K
Stock-Based Compensation	$146.00K	$150.00K	$153.00K	$45.00K	$201.00K
Investing Cash Flow	$1.95M	$64.88M	-$89.04M	-$66.12M	$7.20M
Financing Cash Flow	-$8.13M	-$49.62M	$85.54M	$39.78M	$7.70M
Dividends Paid	-$1.62M	-$1.62M	-$1.62M	-$1.63M	-$1.64M
Net Change in Cash	-$2.13M	$15.55M	$6.21M	-$23.17M	$17.52M

Market Snapshot

About

Union Bankshares, Inc. is a bank holding company headquartered in Vermont, operating community banks that provide commercial and retail banking services. The company offers traditional banking products including deposits, loans, and wealth management through its subsidiary banks. Union Bankshares serves individuals and businesses in its local market areas.