UNB
Union Bankshares IncNASDAQ
Financial Services • Banks - Regional
Factor tilt: Micro-Cap Income
$22.96+0.92%
Close Nov 6, 2026
- Market cap
- $105.94M
- 1 month
- -0.2%
- 3 months
- -3.1%
- 1 year
- -1.2%
- 52-week range
- $21.50$26.20
- Dividend, last 12 mo
- $1.44 · 6.27% yield
- Last ex-date
- Oct 30, 2026 · $0.36
- Short interest
- 0.5% of float19.7K shares · settled Oct 15, 2026 · +9.7% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Sep 30, 2026
- Revenue
- $91.03M
- Net income
- $12.46M
- Free cash flow
- —
- Book value
- $78.83M
- Total debt
- —
- P/E
- 8.5×
- Price / sales
- 1.2×
- Price / book
- 1.3×
- FCF yield
- —
- Net margin
- +13.7%
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
About Union Bankshares Inc
Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit.
Read more
It 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; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay 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 and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. The company was founded in 1891 and is headquartered in Morrisville, Vermont.
- Website
- ublocal.com
- Headquarters
- Morrisville, VT, United States
- Employees
- 195
- Listed
- Jun 11, 1998
- Fiscal year ends
- December
Company profile from EODHD, stored Oct 25, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier. Gross margin and operating income are not shown for a bank or insurer.
| Quarter | Revenue | YoY | Net income |
|---|---|---|---|
| Sep 2026filed Sep 30, 2026 | $23.2M | +3.0% | $3.8M |
| Jun 2026filed Aug 7, 2026 | $23.3M | +8.9% | $2.9M |
| Mar 2026filed May 8, 2026 | $22.0M | +6.9% | $3.0M |
| Dec 2025filed Mar 20, 2026 | $22.5M | +5.4% | $2.8M |
| Sep 2025filed Nov 10, 2025 | $22.5M | +19.6% | $3.4M |
| Jun 2025filed Aug 13, 2025 | $21.4M | +11.1% | $2.4M |
| Mar 2025filed May 14, 2025 | $20.6M | +13.5% | $2.5M |
| Dec 2024filed Mar 25, 2025 | $21.4M | +16.6% | $3.0M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Net income |
|---|---|---|---|
| Dec 2025filed Mar 20, 2026 | $87.3M | +12.0% | $11.1M |
| Dec 2024filed Mar 25, 2025 | $77.9M | +15.9% | $8.8M |
| Dec 2023filed Mar 26, 2024 | $67.3M | +26.8% | $11.3M |
| Dec 2022filed Mar 24, 2023 | $53.1M | +1.6% | $12.6M |
| Dec 2021filed Mar 24, 2022 | $52.2M | -1.0% | $13.2M |
| Dec 2020filed Mar 19, 2021 | $52.8M | +13.9% | $12.8M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched UNB. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
19,725 shares short
+1,743 shares (+9.7%) vs Sep 30, 2026
0.5% of the stored float. Published Oct 26, 2026.
Settlement Sep 30, 2026
17,982 shares short
+5,372 shares (+42.6%) vs Sep 15, 2026
0.5% of the stored float. Published Oct 9, 2026.
Settlement Sep 15, 2026
12,610 shares short
-5,064 shares (-28.7%) vs Aug 31, 2026
0.3% of the stored float. Published Sep 24, 2026.
Settlement Aug 31, 2026
17,674 shares short
+3,328 shares (+23.2%) vs Aug 14, 2026
0.5% of the stored float. Published Sep 10, 2026.
Settlement Aug 14, 2026
14,346 shares short
+2,886 shares (+25.2%) vs Jul 31, 2026
0.4% of the stored float. Published Aug 25, 2026.
Settlement Jul 31, 2026
11,460 shares short
+1,074 shares (+10.3%) vs Jul 15, 2026
0.3% of the stored float. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind UNB’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
USD 0.36 per share
Ex-dividend date: Oct 30, 2026
Recorded pay date: Nov 5, 2026 (past date)
Cash dividend · Polygon event record
USD 0.36 per share
Ex-dividend date: Jul 27, 2026
Recorded pay date: Aug 6, 2026 (past date)
Cash dividend · Polygon event record
USD 0.36 per share
Ex-dividend date: Apr 27, 2026
Recorded pay date: May 7, 2026 (past date)
Cash dividend · Polygon event record
USD 0.36 per share
Ex-dividend date: Jan 30, 2026
Recorded pay date: Feb 5, 2026 (past date)
Cash dividend · Polygon event record
USD 0.36 per share
Ex-dividend date: Oct 24, 2025
Recorded pay date: Nov 6, 2025 (past date)
Cash dividend · Polygon event record
USD 0.36 per share
Ex-dividend date: Jul 25, 2025
Recorded pay date: Aug 7, 2025 (past date)
Cash dividend · Polygon event record
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
3 for 2 · forward split
Effective Aug 11, 2003
Each 2 pre-split shares become 3 post-split shares.
Source: EODHD
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
How stock splits workPortfolio context
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Smart money context
Holder IQ: MEDIUM
7 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Sep 22, 2026
Insider context
Sentiment: bullish
Last trade: buy 23 days ago
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: bullish. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 4
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: bullish. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
49 filers reported a long position in UNB for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
77.6%
of the 787.8K shares 13-F filers reported
Moves vs Q1 2026
2 added3 trimmed
2 new · 3 unchanged
Net shares held
-26.1%
across the 8 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | VANGUARD CAPITAL MANAGEMENT LLC | $3.7M · 151.2K shares | 151.2K | +1.2% |
| 2 | Cardinal Capital Management | $2.5M · 104.5K shares | 104.5K | +1.9% |
| 3 | Truffle Hound Capital, LLC | $1.9M · 80K shares | 80K | New |
| 4 | BlackRock, Inc. | $1.6M · 65.9K shares | 65.9K | -67% |
| 5 | GEODE CAPITAL MANAGEMENT, LLC | $1.1M · 45.2K shares | 45.2K | -48.9% |
| 6 | DIMENSIONAL FUND ADVISORS LP | $995.9K · 41.1K shares | 41.1K | Unchanged |
| 7 | Cannell & Spears LLC | $974.5K · 40.2K shares | 40.2K | Unchanged |
| 8 | MILLENNIUM MANAGEMENT LLC | $769.3K · 31.7K shares | 31.7K | New |
| 9 | TRUST CO OF VERMONT | $711.4K · 29.3K shares | 29.3K | Unchanged |
| 10 | VANGUARD FIDUCIARY TRUST CO | $544.3K · 22.4K shares | 22.4K | -11.5% |
Sign in to see each holder’s Holder IQ, factor-adjusted Holder IQ and rank, and compare these holders with all scored filers. Available on every plan.
Sign in5% holder filings (13D / 13G)
Holders of more than 5% of UNB file with the SEC within days. A 13D holder may seek to influence the company; a 13G holder is passive. Each holder’s latest filing from the last three years.
| Filed | Holder | % of class |
|---|---|---|
| May 18, 2026 | Zucker Anita G13D · activist | 7.54% |
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