Union Bankshares (UNB)
Runs a community bank across northern Vermont and northern New Hampshire.
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Operates Union Bank as a single-segment community-bank franchise serving northern Vermont and northern New Hampshire. Deposits fund retail, commercial, municipal, mortgage, wealth-management, and trust services, with local autonomy and real-estate credit quality shaping the model.
Operates as the holding company for Union Bank, a community bank rooted in Morrisville, Vermont. The franchise serves northern Vermont and northern New Hampshire through branch banking, loan centers, digital channels, and telephone banking.
The business centers on retail, commercial, municipal, mortgage, wealth-management, and trust services. Deposits are the core funding source for lending and securities investment, while mortgage banking adds loan-sale activity around conventional residential mortgages.
Execution depends on local relationships, personal service, and fast local credit decisions against larger financial institutions. The model is shaped by deposit funding costs, real-estate credit performance, local loan demand, and bank holding company regulation.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $6.5M · Total debt $353.4M · Total assets $1.56B · Shareholders' equity $90.4M
- Revenue
- $23.3M
- Operating income
- $3.2M
- Net income
- $2.9M
Raised for 16 straight years — most recently to $0.36 from $0.35 in Jan 2023. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 27, 2026 | Jul 27 | Aug 6 | $0.36 | |
| Apr 27, 2026 | Apr 27 | May 7 | $0.36 | |
| Jan 30, 2026 | Jan 31 | Feb 5 | $0.36 | |
| Oct 24, 2025 | Oct 25 | Nov 6 | $0.36 | |
| Jul 25, 2025 | Jul 26 | Aug 7 | $0.36 | |
| Apr 25, 2025 | Apr 26 | May 1 | $0.36 | |
| Jan 24, 2025 | Jan 25 | Feb 6 | $0.36 | |
| Oct 25, 2024 | Oct 26 | Nov 7 | $0.36 |
| Institutions51 holders · as of Mar 31, 2026 | 19.35% | 892.9K shares | |
| Insiders20 holders · as of Aug 28, 2026 | 10.60% | 489.2K shares | |
| Otherremainder | 70.05% | 3.23M shares |
4.61M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Zucker Anita GInsider | 7.54% | 347,994 | 13Dfiled May 18, 2026 ↗ |
BlackRock, Inc.Institution | 4.34% | 200,031 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 3.24% | 149,474 | 13Fas of Mar 31, 2026 |
Cardinal Capital ManagementInstitution | 2.22% | 102,560 | 13Fas of Mar 31, 2026 |
Geode Capital Management, LLCInstitution | 1.92% | 88,480 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | David Scott Silverman | director | +1,000 | $23.76 |
| Aug 25, 2026 | Dawn D. Bugbee | director | +200 | $23.80 |
| Jul 27, 2026 | Dawn D. Bugbee | director | +200 | $23.30 |
| May 1, 2025 | Patricia N. Hogan | other: Officer of Union Bank | +6 | $34.67 |
| Aug 7, 2025 | Patricia N. Hogan | other: Officer of Union Bank | +8 | $27.01 |
- Community Bancorp
Direct VT/NH community-bank overlap in deposits, loans, and trust
- Bar Harbor Bankshares
Northern New England overlap across community banking and wealth
- Camden National
Maine/NH community bank with scale in branches, loans, and wealth
- Community Financial System
Scaled NY/VT/NH bank overlapping deposits, loans, and wealth
- NBT Bancorp
Northeast community bank across VT, NH, ME, and municipal banking
- Beacon Financial
Beacon scale pressures local deposits, lending, and wealth
- Eastern Bankshares
Larger MA/NH bank overlapping in southern NH lending and deposits
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Union Bankshares | $23.96 | +0.84% | $109.7M | 9.1 | — | 1.2 | +79.5% |
| Community Bancorp | $40.24 | −2.66% | $230.2M | 12.5 | — | 3.4 | −1.9% |
| Bar Harbor Bankshares | $39.61 | −0.79% | $666.5M | 13.4 | 10.8 | 2.9 | +43.8% |
| Camden National | $57.10 | +1.66% | $965.7M | 10.9 | 10.3 | 2.8 | +20.5% |
| Community Financial System | $62.99 | +0.02% | $3.31B | 14.6 | 13.0 | 3.2 | +9.6% |
| NBT Bancorp | $51.73 | +1.02% | $2.66B | 12.6 | 11.7 | 2.8 | +9.4% |
| Beacon Financial | $31.16 | −0.32% | $2.63B | 23.7 | 9.8 | 2.3 | +92.8% |
| Eastern Bankshares | $21.91 | −0.48% | $5.09B | 12.5 | 10.9 | 3.6 | +29.6% |
| Median | 12.6 | 10.9 | 2.9 | +20.5% |