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+64.0%
5Y+68.0%
10Y+140.0%
3Y-12.0%
5Y-13.0%
10Y+30.0%
3Y-41.0%
5Y-344.0%
10Y+125.0%
Union Bankshares, Inc.

Union Bankshares, Inc. Profit Bridge

UNB ยท NASDAQ
Revenue87.30M
Cost of Goods Sold (33.57M)
Gross Profit53.73M
Operating Expenses (41.70M)
Operating Income12.03M
Interest Expense (32.80M)
Other Income/Expense0.00
Pretax Income12.03M
Income Tax (928.00K)
Net Income11.10M
Net Income
11.10M

Profitability Analysis

Gross Margin

61.5%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

13.8%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

12.7%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

7.7%

Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

Union Bankshares, Inc. Income Statement

UNB โ€ข NASDAQ

Union Bankshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
87.3M
77.9M
67.3M
53.1M
52.2M
52M
45.5M
41M
37.7M
36.3M
34.2M
33.1M
32.2M
34.8M
30.2M
28.6M
28.7M
29.6M
30.6M
29.3M
GROSS PROFIT
(33.6M)
(30.5M)
(18.8M)
(4.5M)
(3.6M)
(7.3M)
(6.4M)
(4M)
(2.5M)
(2.2M)
(2.6M)
(2.5M)
(2.8M)
(4M)
(4.7M)
(4.6M)
(5.7M)
(7.5M)
(8.5M)
(7M)
53.7M
47.4M
48.5M
48.5M
48.7M
44.6M
39.2M
36.9M
35.3M
34.1M
31.6M
30.6M
29.4M
30.8M
25.5M
23.9M
23M
22M
22.1M
22.4M
OPERATING INCOME
(41.7M)
(38.3M)
(35.6M)
(33.3M)
(32.9M)
(29.4M)
(26.7M)
(28.6M)
(23.2M)
(23M)
(21M)
(20.9M)
(20.4M)
(22.3M)
(19.2M)
(16.6M)
(16.4M)
(15.9M)
(14.5M)
(13.8M)
(30.6M)
(26.3M)
(24M)
(23.2M)
(22.6M)
(19.3M)
(17.1M)
(19.9M)
(14.8M)
(14.6M)
(13.3M)
(12.8M)
(13.1M)
(14.3M)
(12.5M)
(11.3M)
(10.1M)
(9.1M)
(8.5M)
(8.4M)
12M
9.1M
12.9M
15.2M
15.8M
15.2M
12.5M
8.3M
12.1M
11.1M
10.5M
9.7M
9M
8.5M
6.3M
7.3M
6.6M
6.1M
7.6M
8.4M
PRE-TAX INCOME
(32.8M)
(29.6M)
(19.3M)
(4.5M)
(3.6M)
(5.1M)
(5.6M)
(3.6M)
(2.3M)
(2.1M)
(2M)
(2.2M)
(2.5M)
(3.4M)
(3.9M)
(4.1M)
(5.3M)
(7.2M)
(8.2M)
(6.8M)
43M
37.8M
37.6M
39.4M
35.7M
31.5M
30.1M
28.5M
26.6M
24.7M
23.1M
22.6M
22M
21.6M
19.7M
18.8M
17.9M
17.5M
18M
18.4M
(11.1M)
(12M)
(11.6M)
(10.1M)
(10.3M)
(10.1M)
(9.6M)
(8.6M)
(8.4M)
(8.4M)
(7.8M)
(8.1M)
(7.3M)
(8M)
(6.7M)
(5.3M)
(6.3M)
(6.7M)
(5.9M)
(5.5M)
12M
9.1M
12.9M
15.2M
15.8M
15.2M
12.5M
8.3M
12.1M
11.1M
10.5M
9.7M
9M
8.5M
6.3M
7.3M
6.6M
6.1M
7.6M
8.4M
NET INCOME
(928K)
(369K)
(1.6M)
(2.6M)
(2.6M)
(2.4M)
(1.8M)
(1.3M)
(3.6M)
(2.6M)
(2.7M)
(2M)
(1.9M)
(1.7M)
(1.1M)
(1.7M)
(1.4M)
(1M)
(2M)
(2.2M)
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

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