profit from every $100 of sales.
$0$100
Union Bankshares
$22.95-0.04% today
-1.5% in 1 year
1-year low $21.501-year high $26.20
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.24 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Union Bankshares sold, what it kept, and what it did with the cash.
Sales went from $47.9 million in 2022 to $53.2 million in 2025, with $11.1 million of profit last year.
SalesProfit
Union Bankshares handed back 41% of the cash it generated last year.
$6M
Free cash flow 2025$16M
Bought back its own shares–
Paid as dividends$6M
Cash vs. debt$14M vs. $303M
Union Bankshares vs. similar companies
Union Bankshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Union Bankshares | 10.2× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads Union Bankshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 48 | 47 | 47 | 53 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 13 | 11 | 9 | 11 | |
| 2.81 | 2.50 | 1.94 | 2.43 | |
| – | – | – | – | |
| – | – | – | – | |
| 26.3% | 24.0% | 18.7% | 20.8% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,336 | 1,469 | 1,528 | 1,617 |
| Cash | 21 | 19 | 15 | 14 |
| Total debt | 66 | 82 | 276 | 303 |
| Total liabilities | 1,281 | 1,403 | 1,462 | 1,536 |
| 55 | 66 | 66 | 81 | |
| 4 | 5 | 5 | 5 | |
| – | – | – | – | |
| 22.8% | 17.1% | 13.2% | 13.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 29 | 9 | 12 | 17 | |
| 1 | 2 | 1 | 1 | |
| 28 | 7 | 11 | 16 | |
| Dividends paid | 6 | 6 | 6 | 6 |
| 0 | 0 | 0 | – | |
| 0 | 0 | 0 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.2×
- –
- –
- 1.4×
- 2.1×
- 9.8%
- 6.0%
Profitability
- 20.8%
- 0.7%
- 7.3%
- 14.9%
- 0.7%
Growth
- +3.6%
- −4.7%
- +2.4%
- +0.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 22%of 843
Bottom 32%of 730
Top 27%of 866
Bottom 32%of 862
Top 16%of 921
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 8, 2026 | 0.65 | – | – |
| Feb 5, 2026 | 0.60 | – | – |
| Nov 7, 2025 | 0.75 | – | – |
| Jul 16, 2025 | 0.53 | – | – |
| Apr 16, 2025 | 0.55 | – | – |
| Jan 15, 2025 | 0.67 | – | – |
| Oct 16, 2024 | 0.29 | – | – |
| Aug 9, 2024 | 0.45 | – | – |
6.0%of the share price, paid each year
On $1,000 invested$60a year at today's yield, before tax
+2.4%2020 to 2025
Raised–not every year
Paid per share, each year
$1.08 in 2015 → $1.44 in 2025
How safe it looks
58.5% of its profit
Room to growStretchedMore than it earns: 40.6%
News
DOJ expected to opine on Union Pacific/Norfolk Southern deal in coming weeks - reportSeeking Alpha · Nov 9, 2026Axalta-Akzo Nobel merger conditionally approved by European UnionSeeking Alpha · Nov 6, 2026Apache offshore workers to escalate U.K. strike action, union saysSeeking Alpha · Nov 3, 2026Union Pacific Corporation Q3 2026 Earnings Call SummaryYahoo Finance · Oct 22, 2026Atlantic Union forecasts 2026 FTE NIM at low end of 3.90%-3.95% while continuing buybacks through May 2027Seeking Alpha · Oct 20, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
51No pass
Benjamin Graham
59No pass
Philip Fisher
50No pass
Peter Lynch
19No pass
Joel Greenblatt
22No pass
Charlie Munger
44No pass
Terry Smith
44No pass
Questions about Union Bankshares
Is Union Bankshares a good stock to buy?
A strong, very profitable business, and the price looks low. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Union Bankshares AI analysis
What does Union Bankshares do?
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 is in Banks - Regional.
Does Union Bankshares pay a dividend?
Yes. At today's price the dividend is 6.0% a year, about 58% of its yearly profit. In 2025 it paid out $6.48 million in dividends.
Is Union Bankshares stock halal?
No. Union Bankshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Union Bankshares stock done over the past year?
Down 1.5% over the past twelve months, to $22.95. It traded between $21.50 and $26.20 and is 12.4% below its high.
Who are Union Bankshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Union Bankshares's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.