UNION BANKSHARES INC · Banks

UNB

Low riskNext report: Around Jan 20, 2027 (est.)

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The short version

A profitable company. Institutions are trimming.

Going well

Pays a 6.2% dividend yield
Profitable every year for 10 years
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions cut 15% from their holdings in the quarter ending June 2026 (25 bought, 32 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$23.32+0.5% that day

Company value: $115M; Share price times all shares
Price vs profit (P/E): 9.0x; You pay about $9 for each $1 of yearly profit
Dividend yield: 6.2%; Yearly dividend as a share of today's price
Cash vs value: 27%; Cash as a share of company value

From UNB's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Profit, Jun '26

$2.9M+22% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $12.1M, up 31% from the 12 months before.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/4Mixed

PassReturn on equity 15%+Earns a lot on the money owners have in the business.15.1%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$16.0M
MissShare count not growingNot diluting owners. Falling means buybacks.+1.7% in 3 years

Free cash flow: $16.0M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Oct 21After close5:06 pm ET

From the press release

Sales of qualifying mortgage loans were $94.9 million for the nine months ended September 30, 2026 compared to $102.8 million for the nine months ended September 30, 2025.
The increase in stockholders' equity was due in part to sales of common stock in accordance with the equity distribution agreement previously announced on May 20, 2025.
Consolidated net income was $3.8 million for the three months ended September 30, 2026, compared to $3.4 million for the same period in 2025.

The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗