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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: $24.94 Daily Weekly Monthly 20 Day Moving Average: 13,444 shares Shares Outstanding: 4.58 (millions) Market Capitalization: $114.29 (millions) Beta: 0.41 52 Week High: $36.00 52 Week Low: $20.65 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.65% 2.17% 12 Week 7.50% 3.83% Year To Date 5.10% 5.24%

• 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 bmoore@ublocal.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: 12/01/25 Next Expected EPS Date: 04/15/26 Share - Related Items Shares Outstanding: 4.58 Most Recent Split Date: 8.00 (1.50:1) Beta: 0.41 Market Capitalization: $114.29 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 5.77% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $1.44 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.59 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.03 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 01/30/2026 - $0.36 Next EPS Report Date: 04/15/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 10.26 PEG Ratio: - Price Ratios Price/Book: 1.47 Price/Cash Flow: 10.28 Price / Sales: 1.31 EPS Growth vs. Year Ago Period: -10.45% vs. Previous Quarter: -20.00% Sales Growth vs. Year Ago Period: 3.66% vs. Previous Quarter: -1.76% ROE 12/31/25 - 15.18 09/30/25 - 15.88 06/30/25 - 13.14 ROA 12/31/25 - 0.73 09/30/25 - 0.74 06/30/25 - 0.61 Current Ratio 12/31/25 - - 09/30/25 - 0.82 06/30/25 - 0.82 Quick Ratio 12/31/25 - - 09/30/25 - 0.82 06/30/25 - 0.81 Operating Margin 12/31/25 - 12.75 09/30/25 - 13.16 06/30/25 - 11.17 Net Margin 12/31/25 - 12.75 09/30/25 - 13.16 06/30/25 - 11.17 Pre-Tax Margin 12/31/25 - - 09/30/25 - 14.24 06/30/25 - 11.67 Book Value 12/31/25 - - 09/30/25 - 16.95 06/30/25 - 15.66 Inventory Turnover 12/31/25 - - 09/30/25 - 3.79 06/30/25 - 3.22 Debt-to-Equity 12/31/25 - - 09/30/25 - 0.21 06/30/25 - 0.23 Debt-to-Capital 12/31/25 - - 09/30/25 - 17.34 06/30/25 - 18.61

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