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Equiscale · Syntellia LLC
Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. The company was founded in 1891 and is headquartered in Morrisville, Vermont.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $53M | - | $11M | $16M | 13.7% | 13.7% | 26.5% |
| 2024 | $47M | - | $9M | $11M | 13.2% | -0.0% | -22.2% |
| 2023 | $47M | - | $11M | $7M | 17.1% | -2.2% | -10.8% |
| 2022 | $48M | - | $13M | $28M | 22.8% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 47.90 | 46.84 | 46.83 | 53.23 |
| Operating Revenue | - | 47.90 | 46.84 | 46.83 | 53.23 |
| Selling General And Administration | - | 20.35 | 20.61 | 22.56 | 25.41 |
| Interest Income | - | 43.92 | 56.85 | 67.41 | 74.96 |
| Interest Expense | - | 4.52 | 19.27 | 29.59 | 32.77 |
| Net Interest Income | - | 39.40 | 37.58 | 37.82 | 42.19 |
| Pretax Income | - | 15.25 | 12.88 | 9.13 | 12.01 |
| Tax Provision | - | 2.63 | 1.62 | 0.37 | 0.93 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 12.62 | 11.26 | 8.76 | 11.08 |
| Net Income From Continuing And Discontinued Operation | - | 12.62 | 11.26 | 8.76 | 11.08 |
| Net Income From Continuing Operation Net Minority Interest | - | 12.62 | 11.26 | 8.76 | 11.08 |
| Net Income | - | 12.62 | 11.26 | 8.76 | 11.08 |
| Net Income Common Stockholders | - | 12.62 | 11.26 | 8.76 | 11.08 |
| Net Income Including Noncontrolling Interests | - | 12.62 | 11.26 | 8.76 | 11.08 |
| Normalized Income | - | 12.62 | 11.26 | 8.76 | 11.08 |
| Diluted NI Availto Com Stockholders | - | 12.62 | 11.26 | 8.76 | 11.08 |
| Basic Average Shares | - | 4.49 | 4.50 | 4.52 | 4.56 |
| Diluted Average Shares | - | 4.49 | 4.50 | 4.52 | 4.56 |
| Reconciled Depreciation | - | 1.80 | 1.64 | 1.59 | 1.63 |
| Gain On Sale Of Security | - | -0.03 | 0.19 | -1.08 | 0.20 |
| General And Administrative Expense | - | 19.74 | 20.61 | 22.56 | 25.41 |
| Salaries And Wages | - | 19.11 | 19.61 | 21.39 | 23.93 |
| Insurance And Claims | - | 0.62 | 1 | 1.17 | 1.48 |
| Selling And Marketing Expense | 0.53 | 0.62 | 0.66 | - | - |
| Occupancy And Equipment | - | 5.60 | 5.76 | 6.19 | 6.72 |
| Professional Expense And Contract Services Expense | - | 0.88 | 1.02 | 1.06 | 1.15 |
| Other Non Interest Expense | - | 5.82 | 7.08 | 6.96 | 7.18 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Union Bankshares, Inc.this co. | UNB | $106M | 9.60↓ discount | 1.32 | 13.7% | - |
| SB Financial Group, Inc. | SBFG | $139M | 9.92 | 0.98 | 9.9% | - |
| SR Bancorp, Inc. | SRBK | $138M | 26.82 | 0.71 | 2.7% | - |
| Patriot National Bancorp, Inc. | PNBK | $125M | -9.81 | 1.32 | -13.4% | - |
| Riverview Bancorp, Inc. | RVSB | $115M |
| - |
| - |
| - |
| - |
| - |
| 23.53 |
| 0.72 |
| 3.1% |
| - |
| Sound Financial Bancorp, Inc. | SFBC | $100M | 13.92 | 0.91 | 6.5% | - |
| Kestrel Group Ltd | KG | $88M | 1.88 | 0.69 | 36.4% | 796.59 |
| Silvercrest Asset Management Group Inc. | SAMG | $86M | 17.60 | 1.71 | 9.7% | 4.83 |
| Siebert Financial Corp. | SIEB | $81M | 15.75 | 0.90 | 5.7% | 8.30 |
| Peer Median | - | 14.84 | 0.91 | 6.1% | 8.30 | |
Historically, Oct has averaged the highest return (+7.4%); May the lowest (-6.4%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +4.9%Positive MonthJan 2026: +4.89% | -6.6%Negative MonthFeb 2026: -6.59% | +4.6%Positive MonthMar 2026: +4.60% | +1.5%Neutral MonthApr 2026: +1.52% | -6.4%Negative MonthMay 2026: -6.44% | +5.0%Positive MonthJun 2026: +5.02% | -5.1%Negative MonthJul 2026: -5.07% | +5.5%*Positive MonthAug 2026: +5.47% | — | — | — | — |
| 2025 | +10.3%Positive MonthJan 2025: +10.34% | -8.5%Negative MonthFeb 2025: -8.46% | +7.8%Positive MonthMar 2025: +7.77% | +5.1%Positive MonthApr 2025: +5.12% | -10.9%Negative MonthMay 2025: -10.85% | -9.7%Negative MonthJun 2025: -9.73% | +2.2%Positive MonthJul 2025: +2.22% | -3.8%Negative MonthAug 2025: -3.82% | -5.4%Negative MonthSep 2025: -5.39% | -7.8%Negative MonthOct 2025: -7.84% | +1.4%Neutral MonthNov 2025: +1.36% | +2.6%Positive MonthDec 2025: +2.59% |
| 2024 | -2.2%Negative MonthJan 2024: -2.22% | +1.3%Neutral MonthFeb 2024: +1.27% | +0.5%Neutral MonthMar 2024: +0.49% | -14.1%Negative MonthApr 2024: -14.10% | -14.8%Negative MonthMay 2024: -14.85% | -3.7%Negative MonthJun 2024: -3.72% | +12.7%Positive MonthJul 2024: +12.66% | +7.4%Positive MonthAug 2024: +7.44% | -0.3%Neutral MonthSep 2024: -0.27% | +11.8%Positive MonthOct 2024: +11.76% | +18.7%Positive MonthNov 2024: +18.70% | -16.0%Negative MonthDec 2024: -15.96% |
| 2023 | +9.6%Positive MonthJan 2023: +9.58% | -4.2%Negative MonthFeb 2023: -4.18% | -12.3%Negative MonthMar 2023: -12.30% | -0.3%Neutral MonthApr 2023: -0.27% | -1.4%Neutral MonthMay 2023: -1.36% | +6.9%Positive MonthJun 2023: +6.90% | -1.2%Neutral MonthJul 2023: -1.20% | -2.9%Negative MonthAug 2023: -2.92% | -3.7%Negative MonthSep 2023: -3.72% | +23.8%Positive MonthOct 2023: +23.80% | +8.0%Positive MonthNov 2023: +8.01% | +6.8%Positive MonthDec 2023: +6.76% |
| 2022 | +4.8%Positive MonthJan 2022: +4.76% | -1.4%Neutral MonthFeb 2022: -1.41% | +0.9%Neutral MonthMar 2022: +0.94% | -1.9%Neutral MonthApr 2022: -1.93% | -6.5%Negative MonthMay 2022: -6.52% | -8.3%Negative MonthJun 2022: -8.28% | -3.6%Negative MonthJul 2022: -3.59% | +1.2%Neutral MonthAug 2022: +1.15% | -11.3%Negative MonthSep 2022: -11.29% | +9.0%Positive MonthOct 2022: +9.02% | +0.8%Neutral MonthNov 2022: +0.77% | -3.4%Negative MonthDec 2022: -3.38% |
| 2021 | — | — | — | — | +1.5%Neutral MonthMay 2021: +1.52% | +8.1%Positive MonthJun 2021: +8.06% | -11.2%Negative MonthJul 2021: -11.19% | +3.1%Positive MonthAug 2021: +3.11% | -3.5%Negative MonthSep 2021: -3.53% | +0.1%Neutral MonthOct 2021: +0.06% | -2.3%Negative MonthNov 2021: -2.31% | -4.6%Negative MonthDec 2021: -4.57% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
