About Union Bankshares, Inc.
https://www.ublocal.comUnion 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 offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit.
CEO
David Scott Silverman
Compensation Summary
(Year 2013)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2003-08-11 | Forward | 3:2 |
ETFs Holding This Stock
Summary
Showing Top 3 of 51
Ratings Snapshot
Rating : B
Price Target
Institutional Ownership
FMR LLC
Shares:192.25K
Value:$4.76M
VANGUARD GROUP INC
Shares:185.09K
Value:$4.59M
BLACKROCK, INC.
Shares:160.91K
Value:$3.99M
Summary
Showing Top 3 of 62
About Union Bankshares, Inc.
https://www.ublocal.comUnion 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 offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $22.21M ▲ | $10M ▼ | $3.44M ▲ | 15.47% ▲ | $0.76 ▲ | $4.28M ▲ |
| Q2-2025 | $21.18M ▲ | $10.19M ▲ | $2.4M ▼ | 11.31% ▼ | $0.53 ▼ | $2.9M ▼ |
| Q1-2025 | $20.73M ▼ | $9.82M ▲ | $2.5M ▼ | 12.06% ▼ | $0.55 ▼ | $3.03M ▼ |
| Q4-2024 | $21.44M ▲ | $9.68M ▲ | $3M ▲ | 14% ▲ | $0.67 ▲ | $3.64M ▲ |
| Q3-2024 | $18.4M | $9.02M | $1.32M | 7.19% | $0.29 | $1.6M |
What's going well?
Revenue is growing steadily, and the company is keeping costs in check. Margins are improving, leading to much higher profits and earnings per share this quarter.
What's concerning?
Interest expenses are high, which eats into profits. Overhead costs remain heavy, and there's no visible investment in research and development.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $174.18M ▲ | $1.57B ▲ | $1.5B ▲ | $77.68M ▲ |
| Q2-2025 | $150.83M ▼ | $1.48B ▼ | $1.41B ▼ | $71.26M ▲ |
| Q1-2025 | $164.92M ▼ | $1.52B ▼ | $1.45B ▼ | $70.07M ▲ |
| Q4-2024 | $188.92M ▼ | $1.53B ▲ | $1.46B ▲ | $66.48M ▼ |
| Q3-2024 | $262.85M | $1.52B | $1.45B | $72.3M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $3.44M ▲ | $9.71M ▲ | $-89.04M ▼ | $85.54M ▲ | $6.21M ▼ | $9.55M ▲ |
| Q2-2025 | $2.4M ▼ | $288K ▼ | $64.88M ▲ | $-49.62M ▼ | $15.55M ▲ | $-381K ▼ |
| Q1-2025 | $2.5M ▼ | $4.06M ▼ | $1.95M ▲ | $-8.13M ▼ | $-2.13M ▲ | $3.92M ▼ |
| Q4-2024 | $3M ▲ | $5.76M ▲ | $-50.2M ▲ | $13.02M ▼ | $-31.42M ▼ | $5.62M ▲ |
| Q3-2024 | $1.32M | $1.28M | $-96.47M | $111.94M | $16.75M | $1.07M |
CEO
David Scott Silverman
Compensation Summary
(Year 2013)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2003-08-11 | Forward | 3:2 |
ETFs Holding This Stock
Summary
Showing Top 3 of 51
Ratings Snapshot
Rating : B
Price Target
Institutional Ownership
FMR LLC
Shares:192.25K
Value:$4.76M
VANGUARD GROUP INC
Shares:185.09K
Value:$4.59M
BLACKROCK, INC.
Shares:160.91K
Value:$3.99M
Summary
Showing Top 3 of 62