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Union bankshares, inc.UNB.US Overview

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UNB Recent Performance

0.70%

Union bankshares, inc.

1.79%

Avg of Sector

-0.31%

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UNB Key Information

UNB Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

UNB Profile

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.

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UNB FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

UNB Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.42
PE Ratio (TTM)
9.57
Forward PE
-
PS Ratio (TTM)
1.98
PB Ratio
1.39
Price-to-FCF
4.79
METRIC
VALUE
vs. INDUSTRY
Gross Margin
86.40%
Net Margin
17.85%
Revenue Growth (YoY)
31.86%
Profit Growth (YoY)
13.93%
3-Year Revenue Growth
21.21%
3-Year Profit Growth
3.62%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.42
PE Ratio (TTM)
9.57
Forward PE
-
PS Ratio (TTM)
1.98
PB Ratio
1.39
Price-to-FCF
4.79
Gross Margin
86.40%
Net Margin
17.85%
Revenue Growth (YoY)
31.86%
Profit Growth (YoY)
13.93%
3-Year Revenue Growth
21.21%
3-Year Profit Growth
3.62%

  • When is UNB's latest earnings report released?

    The most recent financial report for Union bankshares, inc. (UNB) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating UNB's short-term business performance and financial health. For the latest updates on UNB's earnings releases, visit this page regularly.

  • Where does UNB fall in the P/E River chart?

    According to historical valuation range analysis, Union bankshares, inc. (UNB)'s current price-to-earnings (P/E) ratio is 9.81, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of UNB?

    According to the latest financial report, Union bankshares, inc. (UNB) reported an Operating Profit of 3.03M with an Operating Margin of 13.44% this period, representing a decline of 7.32% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is UNB's revenue growth?

    In the latest financial report, Union bankshares, inc. (UNB) announced revenue of 22.53M, with a Year-Over-Year growth rate of 74.89%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • Does UNB go with three margins increasing?

    In the latest report, Union bankshares, inc. (UNB) achieved the “three margins increasing” benchmark, with a gross margin of 62.47%%, operating margin of 13.44%%, and net margin of 12.28%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess UNB's profit trajectory and future growth potential.

  • Is UNB's EPS continuing to grow?

    According to the past four quarterly reports, Union bankshares, inc. (UNB)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.6. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of UNB?

    Union bankshares, inc. (UNB)'s Free Cash Flow (FCF) for the period is 9.55M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 791.23% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of UNB?

    The latest valuation data shows Union bankshares, inc. (UNB) has a Price-To-Earnings (PE) ratio of 9.81 and a Price/Earnings-To-Growth (PEG) ratio of -0.49. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.