Union Bankshares, Inc.

Union Bankshares, Inc.

UNBยทNASDAQ

$22.84

-0.27%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$105.38M
EPS2.4300
P/E Ratio9.40
Earnings Date07/22/2026
1.48%
Dividend Yield
-2%
3Y-8.0%
5Y+36.0%
10Y+92.0%
55.39%
Dividend Payout Ratio
-6%
3Y+3.0%
5Y+9.0%
10Y-5.0%
3Y+5.0%
5Y+15.0%
10Y+36.0%
Union Bankshares, Inc.

Union Bankshares, Inc. Dividend History

UNB ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

UNB Dividend Payment History

UNB ยท NASDAQ

Total Payments

50

Latest Dividend

$0.3600

Annual Amount

$1.4400

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 15, 2026
Apr 27, 2026May 7, 2026
$0.3600
$0.3600
Quarterly0.00%
Jan 21, 2026
Jan 31, 2026Feb 5, 2026
$0.3600
$0.3600
Quarterly0.00%
Oct 15, 2025
Oct 25, 2025Nov 6, 2025
$0.3600
$0.3600
Quarterly0.00%
Jul 16, 2025
Jul 26, 2025Aug 7, 2025
$0.3600
$0.3600
Quarterly0.00%
Apr 16, 2025
Apr 26, 2025May 1, 2025
$0.3600
$0.3600
Quarterly0.00%
Jan 15, 2025
Jan 25, 2025Feb 6, 2025
$0.3600
$0.3600
Quarterly0.00%
Oct 16, 2024
Oct 26, 2024Nov 7, 2024
$0.3600
$0.3600
Quarterly0.00%
Jul 17, 2024
Jul 27, 2024Aug 1, 2024
$0.3600
$0.3600
Quarterly0.00%
Apr 17, 2024
Apr 27, 2024May 2, 2024
$0.3600
$0.3600
Quarterly0.00%
Jan 17, 2024
Jan 27, 2024Feb 1, 2024
$0.3600
$0.3600
Quarterly0.00%
Oct 18, 2023
Oct 28, 2023Nov 2, 2023
$0.3600
$0.3600
Quarterly0.00%
Jul 19, 2023
Jul 29, 2023Aug 3, 2023
$0.3600
$0.3600
Quarterly0.00%
Apr 19, 2023
Apr 29, 2023May 4, 2023
$0.3600
$0.3600
Quarterly0.00%
Jan 18, 2023
Jan 28, 2023Feb 2, 2023
$0.3600
$0.3600
Quarterly+2.86%
Oct 19, 2022
Oct 29, 2022Nov 3, 2022
$0.3500
$0.3500
Quarterly0.00%
Jul 20, 2022
Jul 30, 2022Aug 4, 2022
$0.3500
$0.3500
Quarterly0.00%
Apr 20, 2022
Apr 30, 2022May 5, 2022
$0.3500
$0.3500
Quarterly0.00%
Jan 19, 2022
Jan 29, 2022Feb 3, 2022
$0.3500
$0.3500
Quarterly+6.06%
Oct 20, 2021
Oct 30, 2021Nov 4, 2021
$0.3300
$0.3300
Quarterly0.00%
Jul 21, 2021
Jul 31, 2021Aug 5, 2021
$0.3300
$0.3300
Quarterly0.00%
Apr 21, 2021
May 1, 2021May 6, 2021
$0.3300
$0.3300
Quarterly0.00%
Jan 20, 2021
Feb 1, 2021Feb 5, 2021
$0.3300
$0.3300
Quarterly+3.13%
Oct 21, 2020
Oct 31, 2020Nov 6, 2020
$0.3200
$0.3200
Quarterly0.00%
Jul 15, 2020
Jul 27, 2020Aug 6, 2020
$0.3200
$0.3200
Quarterly0.00%
Apr 15, 2020
Apr 27, 2020May 7, 2020
$0.3200
$0.3200
Quarterly0.00%
Jan 15, 2020
Jan 27, 2020Feb 6, 2020
$0.3200
$0.3200
Quarterly+3.23%
Oct 16, 2019
Oct 28, 2019Nov 7, 2019
$0.3100
$0.3100
Quarterly0.00%
Jul 17, 2019
Jul 29, 2019Aug 8, 2019
$0.3100
$0.3100
Quarterly0.00%
Apr 17, 2019
Apr 30, 2019May 9, 2019
$0.3100
$0.3100
Quarterly0.00%
Jan 16, 2019
Jan 28, 2019Feb 7, 2019
$0.3100
$0.3100
Quarterly+3.33%
Oct 17, 2018
Oct 29, 2018Nov 8, 2018
$0.3000
$0.3000
Quarterly0.00%
Jul 18, 2018
Jul 30, 2018Aug 9, 2018
$0.3000
$0.3000
Quarterly0.00%
Apr 18, 2018
Apr 30, 2018May 10, 2018
$0.3000
$0.3000
Quarterly0.00%
Jan 17, 2018
Jan 27, 2018Feb 8, 2018
$0.3000
$0.3000
Quarterly+3.45%
Oct 18, 2017
Oct 28, 2017Nov 8, 2017
$0.2900
$0.2900
Quarterly0.00%
Jul 19, 2017
Jul 28, 2017Aug 9, 2017
$0.2900
$0.2900
Quarterly0.00%
Apr 20, 2017
Apr 29, 2017May 10, 2017
$0.2900
$0.2900
Quarterly0.00%
Jan 18, 2017
Jan 28, 2017Feb 8, 2017
$0.2900
$0.2900
Quarterly+3.57%
Oct 19, 2016
Oct 29, 2016Nov 8, 2016
$0.2800
$0.2800
Quarterly0.00%
Jul 20, 2016
Jul 30, 2016Aug 9, 2016
$0.2800
$0.2800
Quarterly0.00%
Apr 20, 2016
Apr 30, 2016May 10, 2016
$0.2800
$0.2800
Quarterly+3.70%
Jan 20, 2016
Jan 30, 2016Feb 9, 2016
$0.2700
$0.2700
Quarterly0.00%
Oct 21, 2015
Oct 31, 2015Nov 9, 2015
$0.2700
$0.2700
Quarterly0.00%
Jul 15, 2015
Jul 27, 2015Aug 6, 2015
$0.2700
$0.2700
Quarterly0.00%
Apr 15, 2015
Apr 27, 2015May 7, 2015
$0.2700
$0.2700
Quarterly0.00%
Jan 20, 2015
Jan 31, 2015Feb 9, 2015
$0.2700
$0.2700
Quarterly+3.85%
Oct 15, 2014
Oct 25, 2014Nov 6, 2014
$0.2600
$0.2600
Quarterly0.00%
Jul 16, 2014
Jul 26, 2014Aug 7, 2014
$0.2600
$0.2600
Quarterly0.00%
Apr 16, 2014
Apr 26, 2014May 8, 2014
$0.2600
$0.2600
Quarterly0.00%
Jan 15, 2014
Jan 25, 2014Feb 6, 2014
$0.2600
$0.2600
Quarterly-
unb

Union Bankshares, Inc. Payout Ratio Analysis

UNB ยท NASDAQ
Dividends Paid
-6.48M
2025
Net Income
11.10M
2025
Payout Ratio
58.40%
2025

Dividend Sustainability Analysis

Payout Ratio
58.40%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
40.6%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-0.6%

Dividend cut is concerning. Investigate whether due to one-time factors or fundamental business deterioration. Reassess dividend sustainability.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.