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UNION BANKSHARES INC /VT

UNBNASDAQ
πŸ† #4060 by market capEarnings Oct 21US Equity
$23.07β–Ό $0.07 (βˆ’0.30%)
πŸŒ… Pre-market$23.07β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.3%
7dβ–Ό 3.0%
14dβ–Ό 3.6%
30dβ–Ό 2.1%
ytdβ–Ό 1.6%
1yβ–Ό 6.9%
🏦Market Cap
$106M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+12.0%
Healthy
πŸ“ŠGross Margin
63.1%
High
πŸ’΅FCF Margin
-22.6%
Thin
βš–οΈP/S Ratio
1.2x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$22.74 – $23.26
52-Week Range
$20.65 – $26.41
Volume
$2.73B
Avg Volume
$2.23B
Shares Outstanding
4.6M
Next Earnings
Oct 31, 2026

Fundamentals Snapshot

Annual Revenue
$87M
Last Q Revenue
$23M
P/E Ratio
8.9
P/S Ratio
1.2x
EPS (TTM)
$2.53
Dividend Yield
6.23%
Dilution (1yr)
+2.1%

Why Investors Own UNB

  • βœ“High-growth profile β€” revenue up +59.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 33% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

UNB logo

UNION BANKSHARES INC /VT

UNB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$87Mβ–² +12.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
61.5%β–² +1.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$12Mβ–² +31.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$16Mβ–² +44.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.6Mβ–² +2.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$298Mβ–Ό βˆ’$37M YoY
StockOtter Β· stockotter.space

About UNION BANKSHARES INC /VT

Union Bankshares, Inc., established in 1891 and based in Morrisville, Vermont, serves as the holding company for Union Bank. This institution provides a comprehensive suite of retail, commercial, and municipal banking services across northern Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking accounts, complemented by standby letters of credit. Additional services include asset management, fiduciary, and trust provisions. Customers manage their finances through a network of 18 banking offices, 3 loan centers, and numerous ATMs, supported by extensive telephone, internet, and mobile banking capabilities, debit cards, and online mortgage application services.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$24.20
β–² +4.9% Upside
High Target$27.53
Low Target$19.36
Based on 35 analysts

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