Union Bank operates 18 banking offices, three loan centers, and multiple ATMs throughout its geographical footprint. Union Bank has earned an exceptional reputation for residential lending programs and has been recognized by the US Department of Agriculture, Rural Development for the positive impact made in lives of low to moderate home buyers.
Cyborg Score Rationale
Union Bankshares had a return on equity of 15.88% and a net margin of 13.16%. The bank maintains stable operations with consistent profitability and a strong dividend yield, though size constraints and regional focus limit growth potential.
Top Insights
Annualized dividend yield of 5.9% provides attractive income for shareholders
Market capitalization of $111.89 million with a price-to-earnings ratio of 10.05 suggests relative undervaluation
Company is owned by 23.20% institutional shareholders and 85.90% Union Bankshares insiders, indicating strong insider commitment
Trading at 31.9% below estimate of fair value per valuation analysis
Named Competitors
Regional Banking Services — Similar-sized regional bank
Community Banking — Larger New England regional competitor
National Banking Services — Large national competitor
Recent Developments
(January 2026) 2025 full-year consolidated net income of $11.1 million or $2.43 per share
(February 2026) Q4 2025 reported $0.60 EPS with 15.88% return on equity and 13.16% net margin
(February 2026) Quarterly dividend of $0.36 per share declared and paid
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