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Last update at 2026-06-29T20:00:00Z
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 15.25M | 15.82M | 15.22M | 12.48M | 8.26M |
| Minority interest | - | - | - | - | - |
| Net income | 12.62M | 13.17M | 12.80M | 10.65M | 7.07M |
| Selling general administrative | 19.11M | 19.04M | 17.80M | 16.02M | 19.03M |
| Selling and marketing expenses | 0.62M | 0.53M | 0.54M | 0.56M | 0.46M |
| Gross profit | 48.41M | 48.67M | 47.61M | 40.71M | 38.07M |
| Reconciled depreciation | 1.80M | 1.90M | 2.06M | 1.74M | 1.39M |
| Ebit | 20.40M | 15.82M | 15.22M | 12.48M | 11.84M |
| Ebitda | 22.20M | 17.71M | 17.29M | 14.22M | 13.23M |
| Depreciation and amortization | 1.80M | 1.90M | 2.06M | 1.74M | 1.39M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 20.40M | 15.82M | 15.22M | 12.48M | 11.84M |
| Other operating expenses | 5.03M | -32.85500M | -32.38200M | -28.23100M | 26.23M |
| Interest expense | 4.52M | 3.56M | 5.15M | 5.62M | 3.58M |
| Tax provision | 2.63M | 2.65M | 2.42M | 1.83M | 1.19M |
| Interest income | 43.95M | 39.27M | 36.75M | 35.73M | 32.05M |
| Net interest income | 39.42M | 35.71M | 31.60M | 30.11M | 28.47M |
| Extraordinary items | - | - | - | - | -0.03200M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 2.63M | 2.65M | 2.42M | 1.83M | 1.19M |
| Total revenue | 48.41M | 48.67M | 47.61M | 40.71M | 38.07M |
| Total operating expenses | 5.03M | -32.85500M | -32.38200M | -28.23100M | -26.23200M |
| Cost of revenue | - | - | - | - | 0.00000M |
| Total other income expense net | -5.15400M | -3.56500M | -5.14700M | -5.61600M | -3.58100M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 12.62M | 13.17M | 12.80M | 10.65M | 7.07M |
| Net income applicable to common shares | 12.62M | 13.17M | 12.80M | 10.65M | 7.07M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 1471.18M | 1336.39M | 1205.36M | 1094.03M | 872.91M |
| Intangible assets | 1.70M | - | - | - | 1.70M |
| Earning assets | - | - | - | - | 147.13M |
| Other current assets | 97.77M | -57.74000M | 56.26M | 803.84M | 628.72M |
| Total liab | 1405.37M | 1281.17M | 1121.02M | 1013.16M | 801.07M |
| Total stockholder equity | 65.81M | 55.22M | 84.34M | 80.87M | 71.84M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 528.72M | -13.05800M | -9.76700M | -11.69400M | -9.87800M |
| Common stock | 9.99M | 9.96M | 9.93M | 9.91M | 9.90M |
| Capital stock | 9.99M | 9.96M | 9.93M | 9.91M | 9.90M |
| Retained earnings | 89.47M | 84.67M | 78.35M | 71.10M | 64.02M |
| Other liab | - | - | 7.86M | 9.32M | 7.31M |
| Good will | 1271.45M | - | - | 2.22M | 2.22M |
| Other assets | 1152.44M | 1044.72M | 586.69M | 804.31M | 628.72M |
| Cash | 19.12M | 20.93M | 17.86M | 18.11M | 11.97M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 538.93M | 13.06M | 9.77M | 11.69M | 9.88M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 65.42M | 45.27M | -1.68400M | -10.94800M | 35.19M |
| Short term debt | 10.21M | - | - | 7.16M | 47.16M |
| Short long term debt | - | - | - | - | 47.00M |
| Short long term debt total | 84.54M | 66.20M | 16.17M | 7.16M | 47.16M |
| Other stockholder equity | -1.70100M | -1.99500M | -2.39100M | -2.77600M | -3.05900M |
| Property plant equipment | - | 20.48M | 21.61M | 21.77M | 20.92M |
| Total current assets | 97.77M | 271.20M | 328.10M | 160.64M | 132.96M |
| Long term investments | 265.88M | 251.53M | 268.95M | 106.81M | 672.61M |
| Net tangible assets | - | 55.22M | 84.34M | 78.64M | 69.62M |
| Short term investments | 264.38M | 250.27M | 267.82M | 105.76M | 87.39M |
| Net receivables | - | 57.74M | 42.43M | 36.77M | 33.60M |
| Long term debt | 81.94M | 66.20M | 16.17M | 7.16M | 47.16M |
| Inventory | - | - | - | - | - |
| Accounts payable | - | 13.06M | 9.77M | 11.69M | 9.88M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -31.95500M | -37.41900M | -1.55200M | 2.64M | 0.99M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 9.96M | 9.93M | 9.91M | 9.90M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | 84.67M | 78.35M | 71.10M | 64.02M |
| Treasury stock | - | - | -4.16000M | -4.16900M | -4.18300M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 27.66M | -251.53100M | -290.56600M | -129.07300M | -111.22900M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1373.42M | 20.48M | 290.57M | 129.07M | 111.23M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | 16.20M | 16.17M | - | - |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -203.49400M | -170.73200M | -125.90900M | -42.37900M | -65.52100M |
| Change to liabilities | 1.73M | -0.82100M | 0.82M | 1.68M | -0.24100M |
| Total cashflows from investing activities | -207.58300M | -190.00800M | -125.90900M | -49.06100M | -67.98100M |
| Net borrowings | 50.00M | 9.34M | -40.00000M | 19.34M | -3.76000M |
| Total cash from financing activities | 150.51M | 103.97M | 204.61M | 51.13M | 50.00M |
| Change to operating activities | - | -7.50300M | 1.12M | 1.47M | -1.06900M |
| Net income | 12.62M | 13.17M | 12.80M | 10.65M | 7.07M |
| Change in cash | -28.03700M | -56.84900M | 71.64M | 13.85M | -1.21900M |
| Begin period cash flow | 65.92M | 122.77M | 51.13M | 37.29M | 38.51M |
| End period cash flow | 37.88M | 65.92M | 122.77M | 51.13M | 37.29M |
| Total cash from operating activities | 29.03M | 29.19M | -7.06200M | 11.78M | 16.76M |
| Issuance of capital stock | - | 0.07M | 0.02M | 0.04M | 0.00000M |
| Depreciation | 1.80M | 1.90M | 2.06M | 1.74M | 1.39M |
| Other cashflows from investing activities | -3.42400M | -0.01400M | 1.46M | -0.26500M | 0.61M |
| Dividends paid | -6.23600M | -5.87700M | -5.68900M | -5.50100M | 5.33M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -0.91600M | 0.88M | -1.19600M | -0.12200M | -0.31200M |
| Sale purchase of stock | -0.07900M | -0.00200M | 0.02M | -0.01300M | -0.10700M |
| Other cashflows from financing activities | 156.83M | 116.94M | 210.28M | 76.89M | 75.20M |
| Change to netincome | 12.83M | 19.52M | -23.04300M | -3.19000M | 4.07M |
| Capital expenditures | 0.67M | 3.51M | 1.01M | 6.42M | 3.07M |
| Change receivables | -0.91600M | 0.88M | -1.19600M | -0.12200M | -0.31200M |
| Cash flows other operating | 0.94M | -4.79900M | -0.21300M | 0.64M | 4.54M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | -28.03700M | -56.84900M | 71.64M | 13.85M | -1.21900M |
| Change in working capital | -0.04300M | -6.62200M | -0.08000M | 1.34M | -1.38100M |
| Stock based compensation | 0.45M | 0.30M | 0.24M | 0.17M | 0.12M |
| Other non cash items | 14.48M | 20.08M | -21.30800M | -2.55800M | 10.07M |
| Free cash flow | 28.37M | 25.68M | -8.06900M | 5.36M | 13.69M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | |
|---|---|---|---|---|---|---|---|
| UNB Union Bankshares Inc |
-0.67 2.70% | 24.17 | 10.18 | - | 2.57 | 1.89 | |
| HDB HDFC Bank Limited ADR |
0.17 0.66% | 25.91 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.19 0.66% | 28.50 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
-0.004 0.0081% | 49.47 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Union 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. The company 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, it 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. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.
20 Lower Main Street, Morrisville, VT, United States, 05661-0667
| Name | Title | Year Born |
|---|---|---|
| Mr. David Scott Silverman | Pres, CEO & Director | 1961 |
| Ms. Karyn J. Hale | VP, Treasurer & CFO | 1970 |
| Mr. Jeffrey G. Coslett | VP | 1958 |
| Ms. Kristy Adams Alfieri | Assistant Sec. | NA |
| Ms. Patricia N. Hogan | Sr. VP & Sr. Risk Officer | NA |
| Mr. David Scott Silverman | President, CEO & Director | 1961 |
| Mr. Timothy Willis Sargent | Independent Vice Chairman & Secretary | 1976 |
| Ms. Kristy Adams Alfieri | Assistant Secretary | NA |
| Ms. Patricia N. Hogan | Senior VP & Senior Risk Officer | NA |
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