Union Bankshares (UNB) Stock Price, News & Analysis

Company Overview

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; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay 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 and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.

Key Stats

• Today's Range: $30.77 to $32.20
• 50-Day Range: $27.34 to $34.70
• 52-Week Range: $21.00 to $37.70
• Volume: 17,351 shs
• Average Volume: 7,471 shs
• Market Capitalization: $142.25 million
• P/E Ratio: 16.15
• Dividend Yield: 4.59%
• Price Target: N/A
• Consensus Rating: N/A

Union Bankshares Stock Analysis - MarketRank™

Union Bankshares scored higher than 37% of companies evaluated by MarketBeat, and ranked 658th out of 951 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Union Bankshares.

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 16.15, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.37.

Price to Earnings Ratio vs. Sector

The P/E ratio of Union Bankshares is 16.15, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.53.

Price to Book Value per Share Ratio

Union Bankshares has a P/B Ratio of 2.15. 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

0.76% 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 3.4, 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 23.58%, 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 4.96%, 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 73.47%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.76% 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 3.4, 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 23.58%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.45

News Sentiment

Union Bankshares has a news sentiment score of 0.45. 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 lower news sentiment than the 0.83 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Union Bankshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

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 $191.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 1.09% of the stock of Union Bankshares is held by insiders.

Percentage Held by Institutions

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

UNB Stock Analysis - Frequently Asked Questions

How have UNB shares performed this year?

Union Bankshares' stock was trading at $28.91 on January 1st, 2025. Since then, UNB shares have increased by 8.4% and is now trading at $31.34.
View the best growth stocks for 2025 here.

How were Union Bankshares' earnings last quarter?

Union Bankshares, Inc. (NASDAQ:UNB) posted its quarterly earnings results on Wednesday, April, 16th. The bank reported $0.55 earnings per share for the quarter. The bank earned $12.70 million during the quarter. Union Bankshares had a trailing twelve-month return on equity of 13.09% and a net margin of 11.74%.

Who are Union Bankshares' major shareholders?

Top institutional shareholders of Union Bankshares include Cardinal Capital Management (1.82%). Insiders that own company stock include David Scott Silverman, Patricia N Hogan, Dawn D Bugbee, Nancy C Putnam, Dyke Cornelius John Van and Mary K Parent.
View institutional ownership trends.

How do I buy shares of Union Bankshares?

Shares of UNB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Union Bankshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Union Bankshares investors own include AT&T (T), Verizon Communications (VZ), Energy Transfer (ET), Southern (SO), Wells Fargo & Company (WFC), Exxon Mobil (XOM) and AbbVie (ABBV).

Company Calendar

• Ex-Dividend for 2/6 Dividend: 1/24/2025
• Record date for 2/6 Dividend: 1/25/2025
• Dividend Payable: 2/06/2025
• Last Earnings: 4/16/2025
• Today: 4/19/2025
• Ex-Dividend for 5/1 Dividend: 4/25/2025
• Record date for 5/1 Dividend: 4/26/2025
• Dividend Payable: 5/01/2025
• Next Earnings (Estimated): 5/13/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UNB
• CIK: 706863
• Web: www.ublocal.com
• Phone: (802) 888-6600
• Fax: 1-800-522-2950
• Employees: 190
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $1.96
• Trailing P/E Ratio: 16.15
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $8.80 million
• Net Margins: 11.74%
• Pretax Margin: 12.56%
• Return on Equity: 13.09%
• Return on Assets: 0.60%

Debt

• Debt-to-Equity Ratio: 0.22
• Current Ratio: 0.83
• Quick Ratio: 0.82

Sales & Book Value

• Annual Sales: $46.83 million
• Price / Sales: 3.04
• Cash Flow: $3.07 per share
• Price / Cash Flow: 10.22
• Book Value: $14.60 per share
• Price / Book: 2.15

Miscellaneous

• Outstanding Shares: 4,539,000
• Free Float: 4,476,000
• Market Cap: $142.25 million
• Optionable: Not Optionable
• Beta: 0.58