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Ticker
UNB

Price
24.39
Stock movement up
+0.57 (2.34%)
Company name
Union Bankshares Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
114.10M
Ent value
1.60B
Price/Sales
1.33
Price/Book
1.47
Div yield
5.78%
Div growth
3.04%
Growth years
9
FCF payout
37.05%
Trailing P/E
10.07
Forward P/E
-
PEG
-
EPS growth
-4.17%
1 year return (CAGR)
-18.07%
3 year return (CAGR)
0.10%
5 year return (CAGR)
-0.29%
10 year return (CAGR)
-0.88%
Last updated: 2026-02-12

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.44
Dividend yield5.78%
Payout frequencyQuarterly
Maximum yield7.17%
Average yield5.22%
Minimum yield3.50%
Discount to avg yield9.78%
Upside potential10.84%
Yield as % of max yield80.68%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield5.78%
Current yield distribution26.11%
Yield at 100% (Min)3.50%
Yield at 90%4.12%
Yield at 80%4.48%
Yield at 50% (Median)5.17%
Yield at 20%6.03%
Yield at 10%6.40%
Yield at 0% (Max)7.17%

Dividend per share

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Dividend per share data
Years of growth9 years
CCC statusDividend Challenger
Dividend per share1.44
Payout frequencyQuarterly
Ex-div date24 Oct 2025
EPS (TTM)2.43
EPS (1y forward)-
EPS growth (5y)-4.17%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
UNBS&P500
DGR MR2.86%-13.74%
DGR TTM-6.60%
DGR 3 years2.94%7.31%
DGR 5 years3.04%4.69%
DGR 10 years3.31%6.30%
DGR 15 years2.26%8.16%
Time since last change announced1132 days
EPS growth (5y)-4.17%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM43.70%37.05%
Average51.16%-
Forward--

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iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E10.07
Price to OCF5.76
Price to FCF6.10
Price to EBITDA8.24
EV to EBITDA115.29

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.33
Price to Book1.47
EV to Sales18.66

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iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count4.58M
EPS (TTM)2.43
FCF per share (TTM)2.86

Income statement

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Income statement data
Revenue (TTM)87.04M
Gross profit (TTM)53.47M
Operating income (TTM)12.03M
Net income (TTM)11.10M
EPS (TTM)2.43
EPS (1y forward)-

Margins

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Margins data
Gross margin (TTM)61.43%
Operating margin (TTM)13.82%
Profit margin (TTM)12.75%

Balance Sheet

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Balance Sheet data
Cash0.00
Net receivables0.00
Total current assets0.00
Goodwill0.00
Intangible assets0.00
Property, plant and equipment0.00
Total assets0.00
Accounts payable0.00
Short/Current long term debt0.00
Total current liabilities0.00
Total liabilities0.00
Shareholder's equity0.00
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)14.06M
Capital expenditures (TTM)967.00K
Free cash flow (TTM)13.09M
Dividends paid (TTM)4.85M

Financial returns

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Financial returns data
Return on Equity-
Return on Assets-
Return on Invested Capital-
Cash Return on Invested Capital-

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iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open24.45
Daily high25.19
Daily low24.45
Daily Volume5K
All-time high55.00
1y analyst estimate-
Beta0.40
EPS (TTM)2.43
Dividend per share1.44
Ex-div date24 Oct 2025
Next earnings date22 Apr 2026

Downside potential

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Downside potential data
UNBS&P500
Current price drop from All-time high-55.65%-1.82%
Highest price drop-68.95%-56.47%
Date of highest drop10 Jul 20209 Mar 2009
Avg drop from high-30.19%-10.84%
Avg time to new high51 days12 days
Max time to new high2599 days1805 days

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iO Charts is a Seeking Alpha partner

COMPANY DETAILS
UNB (Union Bankshares Inc) company logo
Marketcap
114.10M
Marketcap category
Small-cap
Description
Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It 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, the company 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.
Employees
201
Investor relations
SEC filings
CEO
David Scott Silverman
Country
USA
City
Morrisville
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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