UNION BANKSHARES INC /VT

UNBNASDAQ

🏆 #3320 by market capEarnings Oct 21US Equity

$24.35▲ $0.68 (+2.79%)

Market closed · at close

1h—

24h▲ 2.8%

7d▲ 2.7%

14d▲ 5.6%

30d▼ 2.1%

1y▼ 6.5%

🏦Market Cap

$112M

Small Cap

📈Revenue Growth (YoY)

+29.9%

High Growth

📊Gross Margin

—

💵FCF Margin

35.9%

Strong

⚖️P/S Ratio

2.6x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $24.00 – $24.55
52-Week Range: $20.65 – $27.65
Volume: $2.73B
Avg Volume: $2.23B
Shares Outstanding: 4.6M
Next Earnings: Sep 12, 2026

Fundamentals Snapshot

Annual Revenue: $87M
Last Q Revenue: $23M
P/E Ratio: 9.4
P/S Ratio: 2.6x
EPS (TTM): $2.51
Dividend Yield: 5.99%

Why Investors Own UNB

✓High-growth profile — revenue up +59.2% YoY with expanding US Equity exposure.
✓Healthy economics — 33% gross margin and 5% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

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

Financial Trends

Revenue (TTM)

$87M▲ +54.7% YoY

Gross Margin (TTM)

33.2%▲ +1.8% YoY

Operating Income (TTM)

$9M▲ +54.7% YoY

Free Cash Flow (TTM)

$5M▲ +54.7% YoY

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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