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Zacks Company Profile for Union Bankshares, Inc. (UNB : NSDQ)
 
 • Company Description   
Union Bankshares is a two-bank holding company whose subsidiaries are Citizens Savings Bank & Trust Company and Union Bank. Citizens offers a full line of personal trust services to its customers. Union competes through Citizens for personal trust business with trust companies, commercial banks having trust departments, investment advisory firms, brokerage firms, mutual funds and insurance companies.

Number of Employees: 191

 
 • Price / Volume Information   
Yesterday's Closing Price: $23.31 Daily Weekly Monthly
20 Day Moving Average: 9,873 shares
Shares Outstanding: 4.55 (millions)
Market Capitalization: $106.09 (millions)
Beta: 0.57
52 Week High: $37.70
52 Week Low: $21.79
Short Interest Ratio:
  % Price Change % Price Change Relative to S&P 500
4 Week -2.31% -4.86%
12 Week -14.61% -18.16%
Year To Date -19.37% -29.52%
 
 • Address & Contact Information
Street Address Phone / Fax Email Address Web URL
20 LOWER MAIN STREET
-
MORRISVILLE,VT 05661
USA
ph: 802-888-6600
fax: 1-800-522-2950
kadamsalfieri@unionbankvt.com http://www.ublocal.com
 
 • General Corporate Information   
Officers
David S. Silverman - Chief Executive Officer and President
Cornelius J. Van Dyke - Chairman of the Board
Timothy W. Sargent - Vice Chairman of the Board
David S. Silverman - Chief Financial Officer
Joel S. Bourassa - Director

Peer Information
Union Bankshares, Inc. (CNBKA)
Union Bankshares, Inc. (CNBI2)
Union Bankshares, Inc. (CNOB)
Union Bankshares, Inc. (FBNK.)
Union Bankshares, Inc. (FMBN)
Union Bankshares, Inc. (TBNK)
Industry / Sector / Ticker Info
Analyst Coverage: No
Industry Group: BANKS-NORTHEAST
Sector: Finance
CUSIP: 905400107
SIC: 6022
Fiscal Year
Fiscal Year End: December
Last Reported Quarter: 09/01/25
Next Expected EPS Date: 01/21/26
Share - Related Items
Shares Outstanding: 4.55
Most Recent Split Date: 8.00 (1.50:1)
Beta: 0.57
Market Capitalization: $106.09 (millions)
 
 
 • EPS Information     • Dividend Information
Analyst Coverage: No Dividend Yield: 6.18%
Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $1.44
Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.58
Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.02
Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 10/24/2025 - $0.36
Next EPS Report Date: 01/21/26  
 

 • Fundamental Ratios
P/E
Current FY Estimate: -
Trailing 12 Months: 9.32
PEG Ratio: -
Price Ratios
Price/Book: 1.49
Price/Cash Flow: 9.61
Price / Sales: 1.23
EPS Growth
vs. Year Ago Period: 158.62%
vs. Previous Quarter: 41.51%
Sales Growth
vs. Year Ago Period: 20.01%
vs. Previous Quarter: 4.92%
ROE
09/30/25 - 16.36
06/30/25 - 13.14
03/31/25 - 12.93
ROA
09/30/25 - 0.75
06/30/25 - 0.61
03/31/25 - 0.59
Current Ratio
09/30/25 - -
06/30/25 - 0.82
03/31/25 - 0.82
Quick Ratio
09/30/25 - -
06/30/25 - 0.81
03/31/25 - 0.82
Operating Margin
09/30/25 - 13.16
06/30/25 - 11.17
03/31/25 - 11.00
Net Margin
09/30/25 - 13.16
06/30/25 - 11.17
03/31/25 - 11.00
Pre-Tax Margin
09/30/25 - -
06/30/25 - 11.67
03/31/25 - 11.47
Book Value
09/30/25 - -
06/30/25 - 15.66
03/31/25 - 15.44
Inventory Turnover
09/30/25 - -
06/30/25 - 3.22
03/31/25 - 3.47
Debt-to-Equity
09/30/25 - -
06/30/25 - 0.23
03/31/25 - 0.23
Debt-to-Capital
09/30/25 - -
06/30/25 - 18.61
03/31/25 - 18.85
 

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