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
3Y-77.0%
5Y-196.0%
10Y-12.0%
3Y-99.0%
5Y-99.0%
10Y-96.0%
3Y-104.0%
5Y-103.0%
10Y-110.0%
UNB

Union Bankshares, Inc. Cash Conversion Engine

UNB ยท NASDAQ
Net Income11.08M
Depreciation & Amortization34.00K
Stock-Based Compensation0.00
Change in Working Capital1.29M
Others-5.64M
Capital Expenditures-1.25M
Free Cash Flow15.97M

Cash Flow Quality Analysis

FCF Conversion Rate

144.2%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

7.3%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+44.2%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$1.29M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Union Bankshares, Inc. Cash Flow Statement

UNB โ€ข NASDAQ

Union Bankshares, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
11.1M
8.8M
11.3M
12.6M
13.2M
12.8M
10.6M
7.1M
8.4M
8.5M
7.9M
7.7M
7.1M
6.8M
5.2M
5.6M
5.2M
5.1M
5.7M
6.3M
34K
1.6M
1.6M
1.8M
1.9M
2.1M
1.7M
1.4M
1.4M
1.4M
1.3M
1.1M
1.1M
1.1M
792K
660.4K
713.7K
784.4K
772.9K
841.4K
0.0
-1.8M
266K
-270K
371K
-777K
438K
-508K
993K
566K
341K
-37K
581K
-786K
595K
-96K
-11.4K
232.6K
-56K
-21.4K
0.0
398K
374K
446K
299K
236K
165K
120K
104K
66K
35K
20K
12K
8K
9K
25K
11.6K
5.3K
0.0
0.0
-5.6M
2.1M
-635K
14.5M
20.1M
-21.3M
-2.7M
10.1M
373K
-1.9M
6.3M
-6.1M
8.4M
-5.1M
35K
3.1M
-5.4M
5.8M
396K
52.3K
(280K)
(0.0)
(925K)
(950K)
(1.9M)
(1.4M)
(800K)
(1.6M)
(1.5M)
(1.5M)
(2M)
(1.9M)
(1.4M)
(2.2M)
(725K)
(1.6M)
(1.2M)
(1.2M)
(0.0)
(0.0)
1.3M
1.1M
-3.7M
-43K
-6.6M
-80K
1.3M
-1.4M
-1.4M
-1M
-2.7M
-560K
628K
1.5M
708K
1.9M
-3.4M
828.4K
-3.9M
2.9M
6.8M
12.2M
9.2M
29M
29.2M
-7.1M
11.6M
16.8M
9.9M
7.6M
13.1M
2.2M
17.8M
3.5M
7.4M
11.3M
-2.9M
12.7M
2.9M
10M
INVESTING ACTIVITIES
(0.0)
-1.1M
-1.9M
-665K
-3.5M
-1M
-6.4M
-3.1M
-2M
-1.9M
-2.3M
-2.2M
-1.3M
-2M
-1.5M
-896K
-897.3K
-1.8M
-1.1M
-1.3M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(29.6M)
-179K
(0.0)
(0.0)
(0.0)
(0.0)
-25K
-58.3M
-28.6M
-62.9M
-207.2M
-44.4M
-35.7M
-17.2M
-21.5M
-30M
-27.4M
-24.3M
-27.2M
-15.1M
-38.7M
-14.2M
-6.7M
-5.7M
-14.5M
-3.2M
0.0
56.5M
16.7M
30.3M
36.9M
26.6M
21.9M
7.7M
21.3M
20.6M
20.6M
17.7M
6.3M
35.1M
15.5M
14.3M
10.6M
9.3M
4.8M
11.7M
-1.4M
-121.9M
-68.4M
-174.3M
-16.3M
-107.2M
-28.7M
-55.4M
-53.2M
-29.3M
-25.7M
-13.4M
-12.7M
-18.1M
-27.5M
-19.5M
-7.6M
-43.5M
-3.8M
-10.3M
-1.5M
-124.8M
-82.3M
-207.6M
-190M
-125.9M
-48.9M
-68M
-55.3M
-40.7M
-34.8M
-22.1M
-35M
-148K
-22.6M
-20.4M
-4.5M
-41.7M
-14.6M
-3.1M
FINANCING ACTIVITIES
1.2M
0.0
-130K
-79K
-2K
22K
31K
-107K
-41K
50K
-41K
-6K
42K
-24K
26K
-99K
-223.8K
-561.1K
-625K
-227.3K
26.8M
194M
15.7M
50M
9.3M
-40M
19.3M
-3.8M
-14K
22M
-5.6M
1.9M
-2.5M
-13.3M
-3.2M
-2M
3.6M
7.1M
5.7M
-1.7M
-6.5M
-6.4M
-6.4M
-6.2M
-5.9M
-5.7M
-5.5M
-5.3M
-5.2M
-4.9M
-4.8M
-4.6M
-4.5M
-4.5M
-4.5M
-4.5M
-4.6M
-5M
-5.1M
-4.8M
(0.0)
(0.0)
-130K
-79K
-2K
(0.0)
-13K
-107K
-60K
-6K
-94K
-45K
-21K
-36K
(0.0)
-99K
-223.8K
-561.1K
-675.2K
-227.3K
-26.8M
-136.7M
103.7M
106.8M
100.5M
250.3M
37.3M
59.2M
49.9M
37.3M
8.3M
33.7M
8.4M
36.6M
33M
7.8M
4.5M
40.4M
4.1M
6.5M
-5.3M
50.8M
112.8M
150.5M
104M
204.6M
51.1M
50M
44.7M
54.4M
-2.1M
31M
1.4M
18.8M
25.4M
1.3M
3.2M
41.9M
4.2M
-177.6K
CASH FLOW SUMMARY
10K
-61.8M
39.8M
-28M
-56.8M
71.6M
13.8M
-1.2M
-767K
21.3M
-23.8M
11M
-15.8M
22.1M
10.1M
-7.8M
-4.2M
12.9M
-7.5M
6.7M
44K
77.7M
37.9M
65.9M
122.8M
51.1M
37.3M
38.5M
39.3M
18M
41.7M
30.7M
46.5M
24.4M
14.3M
22.1M
26.3M
13.4M
21M
14.2M
54K
15.8M
77.7M
37.9M
65.9M
122.8M
51.1M
37.3M
38.5M
39.3M
18M
41.7M
30.7M
46.5M
24.4M
14.3M
22.1M
26.3M
13.4M
21M
16M
11.1M
7.2M
28.4M
25.7M
-8.1M
5.2M
13.7M
7.9M
5.7M
10.8M
34K
16.5M
1.5M
5.9M
10.4M
-3.8M
10.9M
1.8M
8.7M

SEC Filings

UNB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 21, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 07, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

April 17, 2026
April 15, 2026
2026
8-K

8-K 2026

N/A

April 15, 2026
April 15, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 08, 2026
April 08, 2026
2026
8-K

8-K 2026

N/A

March 24, 2026
March 18, 2026
2026
10-K

10-K 2025 FY

FY

March 20, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 26, 2026
February 26, 2026
2026
8-K

8-K 2026

N/A

February 05, 2026
February 05, 2026
2026
Showing 1 to 10 of 436 filings