Union Bankshares, Inc.
Union Bankshares, Inc.
Your view on UNB
Overview
What the company does, where it operates, and who runs it.
About Union Bankshares, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- David Scott Silverman
- Headquarters
- 20 Lower Main Street, Morrisville, VT, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- David Scott Silverman
- Headquarters
- 20 Lower Main Street, Morrisville, VT, US
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.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Union Bankshares, Inc., and the rating behind it. UNB last traded at $23.45, 8.8× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Union Bankshares, Inc.. Starting points for Union Bankshares, Inc.: P/E 8.8, EPS $2.54, beta 0.27 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Union Bankshares, Inc.. Union Bankshares, Inc. paid $1.44 per share over the last year — a 6.1% yield at the current $23.45 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Union Bankshares, Inc.. Trailing twelve-month EPS for Union Bankshares, Inc. stands at $2.54. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Union Bankshares, Inc.. Union Bankshares, Inc. has reported as a listed company since 1999. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Union Bankshares, Inc. valued side by side against its closest peers. Union Bankshares, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Union Bankshares, Inc., and how their positions are changing. At a $116.0M market value, institutional positions materially move Union Bankshares, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Union Bankshares, Inc. executives and directors. Shares of Union Bankshares, Inc. have traded between $20.65 and $37.70 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Union Bankshares, Inc.. Union Bankshares, Inc. is a $116.0M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Union Bankshares, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Union Bankshares, Inc.. Coverage tracks Union Bankshares, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
Comments and replies from FRC members about this company.