Union Bankshares Inc (UNB)
Operating cash flow minus capital spending left $16M of free cash flow in fiscal 2025. At September 30, 2026 it held $23.3M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about Union Bankshares Inc
- Net worth
- Union Bankshares Inc has a market value (market cap) of $113.5M at the latest share price, and shareholders' equity of $78.8M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $17.2M of cash; after $1.3M of capital spending, free cash flow was $16M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Union Bankshares Inc's next report is expected around December 29, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Union Bankshares Inc declared dividends of $1.44 per share in fiscal 2025, a yield of 6.27% at the current price.
What Union Bankshares Inc does
Union Bankshares Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker UNB.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $11.1M | $2.41 | $16M |
| 2024 | n/a | $8.8M | $1.92 | $11.1M |
| 2023 | n/a | $11.3M | $2.48 | $7.2M |
| 2022 | n/a | $12.6M | $2.79 | $28.4M |
| 2021 | n/a | $13.2M | $2.92 | $25.7M |
| 2020 | n/a | $12.8M | $2.85 | -$8.1M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Union Bankshares Inc declared $1.44 per share in fiscal 2025. At the current price that is a yield of 6.27%. It paid out $6.6M in cash dividends, 59% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.44 | $6.6M | 59% |
| 2024 | $1.44 | $6.5M | 74% |
| 2023 | $1.44 | $6.5M | 58% |
| 2022 | $1.40 | $6.3M | 50% |
| 2021 | $1.32 | $5.9M | 45% |
| 2020 | $1.28 | $5.7M | 45% |
Latest SEC filings
What Union Bankshares Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- October 21, 2026
- August 7, 2026
- July 16, 2026
- July 15, 2026
- May 21, 2026
- May 18, 2026Activist stake (5% or more) SCHEDULE 13D
- May 8, 2026
- May 7, 2026
- April 17, 2026Quarterly results 8-K/A
What is UNB worth? A DCF from its reported cash flow
Insider trades
What the people running Union Bankshares Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $38.4K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 17, 2026 | Cote Steven PDirector | Bought | 418 | $9.9K |
| August 26, 2026 | Silverman David ScottDirector | Bought | 1,000 | $23.8K |
| August 25, 2026 | Bugbee Dawn DDirector | Bought | 200 | $4.8K |
| July 27, 2026 | Bugbee Dawn DDirector | Bought | 200 | $4.7K |
| May 20, 2026 | Parent Mary KDirector | Received as pay | 694 | - |
| May 20, 2026 | Cote Steven PDirector of Union Bank | Received as pay | 694 | - |
| May 20, 2026 | Sargent Gregory DDirector | Received as pay | 694 | - |
| May 20, 2026 | Putnam Nancy CDirector | Received as pay | 694 | - |
Who owns UNB
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Zucker Anita G13D, may seek influence | 7.54% | May 18, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 51 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Vanguard Capital Management LLC | 151,233 | +1,759 |
| Cardinal Capital Management | 104,509 | +1,949 |
| Truffle Hound Capital, LLC | 80,000 | new |
| BlackRock, Inc. | 65,942 | -134,089 |
| Geode Capital Management, LLC | 45,223 | -43,257 |
| Dimensional Fund Advisors LP | 41,052 | 0 |
| Cannell & Spears LLC | 40,169 | 0 |
| Millennium Management LLC | 31,709 | new |
| Trust Co of Vermont | 29,323 | new |
| Vanguard Fiduciary Trust Co | 22,438 | -2,910 |
| Renaissance Technologies LLC | 21,852 | +3,620 |
| Morgan Stanley | 21,236 | +1,434 |
| Goldman Sachs Group Inc | 16,723 | -12,383 |
| Northern Trust Corp | 16,494 | -31,149 |
| Jane Street Group, LLC | 13,966 | new |
| LPL Financial LLC | 13,924 | +51 |
| Aqr Capital Management LLC | 13,390 | new |
| State Street Corp | 11,191 | -25,384 |
| Hsbc Holdings PLC | 10,535 | new |
| Citadel Advisors LLC | 9,381 | -2,165 |
Insiders
16 insiders reported holding 137,138 shares in total, about $3.1M at the last price.
| Holder | Shares |
|---|---|
| Silverman David ScottDirector | 46,864 |
| Gould Jonathan JayOfficer of Union Bank | 14,830 |
| Hogan Patricia NOfficer of Union Bank | 11,859 |
| Hale Karyn JChief Financial Officer | 11,749 |
| Kendall Stephen HOfficer of Union Bank | 11,496 |
| Schoenig Vincent WOfficer of Union Bank | 6,984 |
| Bugbee Dawn DDirector | 6,487 |
| Putnam Nancy CDirector | 5,353 |
| Sargent Timothy WillisVice-Chairman, Director | 4,758 |
| Locklin Carrie ROfficer of Union Bank | 3,273 |
Questions about UNB
What does Union Bankshares Inc do?
Union Bankshares Inc is a company in the Finance sector, listed on NASDAQ as UNB. Its shares trade on NASDAQ under the ticker UNB.
What is Union Bankshares Inc's net worth?
Union Bankshares Inc has a market value (market cap) of $113.5M at the latest share price, and shareholders' equity of $78.8M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Union Bankshares Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $12.4M.
When did Union Bankshares Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is Union Bankshares Inc's next earnings report?
Union Bankshares Inc's next report is expected around December 29, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
Does Union Bankshares Inc pay a dividend?
Yes. Union Bankshares Inc declared dividends of $1.44 per share in fiscal 2025, a yield of 6.27% at the current price.
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Where the numbers come from
Financial figures are the values Union Bankshares Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.