Union Bankshares, Inc. (Vermont)

How big is Union Bankshares, Inc. (Vermont)?

As of Jun 18, Union Bankshares, Inc. (Vermont) has a market capitalization of 134.38 million and total assets of 1,530.57 million, with shareholder's funds at 66.48 million.

As of Jun 18, Union Bankshares, Inc. (Vermont) has a market capitalization of 134.38 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 70.63 million, while the net profit for the same period is 8.84 million.<BR><BR>As of Dec 24, the shareholder's funds are reported at 66.48 million, and total assets amount to 1,530.57 million.

What does Union Bankshares, Inc. (Vermont) do?

Union Bankshares, Inc. (Vermont) is a community bank and one-bank holding company in the regional banks sector, with a market cap of $134.38 million and a recent net profit of $3 million. Key metrics include a P/E ratio of 16.00 and a dividend yield of 2.55%.

Overview:<BR>Union Bankshares, Inc. (Vermont) is a one-bank holding company operating as a community bank in the financial services industry, specifically within the regional banks sector.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 18 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 3 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 134.38 Million (Micro Cap) <BR><BR>Key Metrics:<BR>P/E: 16.00 <BR>Dividend Yield: 2.55% <BR>Debt Equity: 0.00 <BR>Return on Equity: 12.72% <BR>Price to Book: 1.92 <BR><BR>Contact Details:<BR>Address: 20 Main St, PO Box 667 MORRISVILLE VT : 05661-0667 <BR>Tel: 1 802 8886600 <BR>Website: https://unionbankvt.com/investor-relations/

Should I buy, sell or hold Union Bankshares, Inc. (Vermont)?

Who are in the management team of Union Bankshares, Inc. (Vermont)?

As of March 2022, the management team of Union Bankshares, Inc. (Vermont) includes Chairman Cornelius Van Dyke, CEO David Silverman, and several independent directors: John Steel, Joel Bourassa, Steven Bourgeois, Dawn Bugbee, John Goodrich, and Nancy Putnam. They oversee the company's operations and strategic direction.

As of March 2022, the management team of Union Bankshares, Inc. (Vermont) includes the following individuals:<BR><BR>- Mr. Cornelius Van Dyke, Chairman of the Board<BR>- Mr. David Silverman, President, Chief Executive Officer of the Company and bank, Director<BR>- Mr. John Steel, Secretary, Independent Director<BR>- Joel Bourassa, Independent Director<BR>- Mr. Steven Bourgeois, Independent Director<BR>- Ms. Dawn Bugbee, Independent Director<BR>- Mr. John Goodrich, Independent Director<BR>- Ms. Nancy Putnam, Independent Director<BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

Is Union Bankshares, Inc. (Vermont) overvalued or undervalued?

As of April 7, 2025, Union Bankshares, Inc. is considered overvalued with a P/E ratio of 16, an EV to EBITDA ratio of 43.66, and a low ROCE of 2.33, despite a 16.17% return over the past year, indicating a shift from very attractive to very expensive.

As of 7 April 2025, the valuation grade for Union Bankshares, Inc. (Vermont) has moved from very attractive to very expensive. This indicates that the company is currently overvalued. The P/E ratio stands at 16, which is higher than peers such as FinWise Bancorp at 14.89 and First United Corp. at 8.17, suggesting a significant premium for Union Bankshares. Additionally, the EV to EBITDA ratio of 43.66 further emphasizes this overvaluation compared to the industry standards.<BR><BR>In terms of performance, the company's return on equity (ROE) is 12.72%, while its return on capital employed (ROCE) is notably low at 2.33%. These figures, combined with a price to book value of 2.05, reflect a concerning valuation relative to its earnings and asset base. Over the past year, Union Bankshares has outperformed the S&P 500 with a return of 16.17%, but its recent stock performance has lagged behind the index over shorter time frames, reinforcing the notion that the current valuation may not be justified.

Is Union Bankshares, Inc. (Vermont) technically bullish or bearish?

As of August 25, 2025, Union Bankshares, Inc. (Vermont) is in a bearish trend with moderate strength, underperforming the S&P 500 year-to-date by -10.07% compared to its 12.22% gain.

As of 25 August 2025, the technical trend for Union Bankshares, Inc. (Vermont) has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength indicated by the weekly MACD and moving averages both showing bearish signals. The Bollinger Bands are also bearish on a monthly basis, while the KST is bearish weekly and mildly bearish monthly. The OBV presents a mixed view, being mildly bearish weekly but bullish monthly. <BR><BR>In terms of performance, the stock has underperformed the S&P 500 across multiple periods, with a year-to-date return of -10.07% compared to the S&P 500's 12.22%, and a 1-year return of 1.72% versus 17.14% for the index.