UNB
Union Bankshares, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Sell
-35/100
Last price
22.90
▼ 0.03 (0.13%)
MARKET · —
Price
Chart style
Interval
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Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
23.25
Prev close
22.93
Day high
23.25
Day low
22.90
Volume
1.00K
Market cap
$113.26M
P/E (TTM)
8.84
52W range
20.65 – 26.41
Day trading desk
Gap from prior close
+1.40%
Prior close 22.93
VWAP
23.22
-1.37% from price
Relative volume
0.06×
Quiet session
Session range
1.53%
22.90 – 23.25
Position in range
0%
Near session low
ATR (14D)
0.36
1.56% of price
Prior day high
23.78
PDH
Prior day low
22.93
PDL
Bid / ask spread
—
Quote not published
Session volume
347
Avg 5.63K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.74%
-2.7%
1M
-3.70%
-4.9%
3M
-5.53%
-10.0%
6M
-3.62%
-21.8%
YTD
-3.50%
-17.7%
1Y
-8.36%
-24.8%
3Y
+6.66%
-75.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UNB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
1.29M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 26, 26 | SILVERMAN DAVID SCOTT Director |
BUY | 1.00K | $23.76K | Direct |
| Aug 25, 26 | BUGBEE DAWN D Director |
BUY | 200 | $4.76K | Direct |
| Jul 27, 26 | BUGBEE DAWN D Director |
BUY | 200 | $4.66K | Direct |
| May 20, 26 | SPITLER JANET P Director |
STOCK | 694 | $0 | Direct |
| May 20, 26 | SARGENT TIMOTHY WILLIS Officer and Director |
STOCK | 694 | $0 | Direct |
| May 20, 26 | BUGBEE DAWN D Director |
STOCK | 694 | $0 | Direct |
| May 20, 26 | PUTNAM NANCY C Director |
STOCK | 694 | $0 | Direct |
| May 20, 26 | SARGENT GREGORY D Director |
STOCK | 694 | $0 | Direct |
| May 20, 26 | PARENT MARY K Director |
STOCK | 694 | $0 | Direct |
| May 20, 26 | FRAME WALTER B III Officer of Subsidiary Company |
STOCK | 694 | $0 | Direct |
| May 20, 26 | COTE STEVEN P Officer of Subsidiary Company |
STOCK | 694 | $0 | Direct |
| May 4, 26 | WEIDLEY JEFFREY F President |
STOCK | 3.00K | $0 | Direct |
| Mar 11, 26 | SILVERMAN DAVID SCOTT Chief Executive Officer |
STOCK | 6.15K | $0 | Direct |
| Mar 11, 26 | HALE KARYN J Chief Financial Officer |
STOCK | 2.94K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BUGBEE DAWN D |
Director | 6.49K | Purchase |
GOULD JONATHAN JAY |
Officer of Subsidiary Company | 14.83K | Stock Award(Grant) |
HALE KARYN J |
Chief Financial Officer | 11.75K | Stock Award(Grant) |
HOGAN PATRICIA N |
Officer of Subsidiary Company | 11.86K | Stock Award(Grant) |
KENDALL STEPHEN H |
Officer of Subsidiary Company | 11.49K | Stock Award(Grant) |
PUTNAM NANCY C |
Director | 5.35K | Stock Award(Grant) |
SARGENT TIMOTHY WILLIS |
Officer and Director | 4.76K | Stock Award(Grant) |
SCHOENIG VINCENT W |
Officer of Subsidiary Company | 6.98K | Stock Award(Grant) |
SILVERMAN DAVID SCOTT |
Director | 46.86K | Purchase |
VAN DYKE CORNELIUS JOHN |
Chairman of the Board | 5.54K | Purchase |
Fundamentals
Market cap$113.26M
Enterprise value$427.72M
Revenue (TTM)$57.03M
Gross profit$57.03M
EBITDA—
Net income$12.11M
EPS (TTM)$2.59
Free cash flow—
Total cash$38.94M
Total debt$353.40M
Book value / share$18.28
Shares outstanding4.95M
Float3.90M
Short % of float0.26%
Dividend yield6.20%
Beta (5Y)0.27
Valuation & profitability ratios
Trailing P/E8.84
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.25
EV / revenue7.50
EV / EBITDA—
Gross margin0.00%
Operating margin21.96%
Profit margin21.24%
Return on equity14.98%
Return on assets0.80%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $53.23M | $46.83M | $46.84M | $47.90M | +13.7% |
| Operating revenue | $53.23M | $46.83M | $46.84M | $47.90M | +13.7% |
| Selling, general & admin | $25.41M | $22.56M | $20.61M | $20.35M | +12.6% |
| Pre-tax income | $12.01M | $9.13M | $12.88M | $15.25M | +31.5% |
| Tax provision | $928.00K | $369.00K | $1.62M | $2.63M | +151.5% |
| Net income | $11.08M | $8.76M | $11.26M | $12.62M | +26.5% |
| Net income to common | $11.08M | $8.76M | $11.26M | $12.62M | +26.5% |
| Basic EPS | 2.43 | 1.94 | 2.50 | 2.81 | +25.3% |
| Diluted EPS | 2.43 | 1.94 | 2.50 | 2.81 | +25.3% |
| Basic shares | 4.56M | 4.52M | 4.50M | 4.49M | +1.0% |
| Diluted shares | 4.56M | 4.52M | 4.50M | 4.49M | +1.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $13.61M | $14.63M | $19.12M | $20.93M | -7.0% |
| Property, plant & equipment | $19.85M | $20.23M | $20.77M | $20.48M | -1.9% |
| Total assets | $1.62B | $1.53B | $1.47B | $1.34B | +5.8% |
| Long-term debt | $302.79M | $275.97M | $81.94M | $66.20M | +9.7% |
| Total debt | $302.79M | $275.97M | $81.94M | $66.20M | +9.7% |
| Total liabilities | $1.54B | $1.46B | $1.40B | $1.28B | +5.1% |
| Retained earnings | $96.25M | $91.72M | $89.47M | $84.67M | +4.9% |
| Shareholder equity | $80.86M | $66.48M | $65.81M | $55.22M | +21.6% |
| Net tangible assets | $80.86M | $66.48M | $65.81M | $55.22M | +21.6% |
| Shares issued | 5.08M | 5.01M | 5.00M | 4.98M | +1.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $11.08M | $8.76M | $11.26M | $12.62M | — | +26.5% |
| Depreciation & amortisation | $1.63M | $1.59M | $1.64M | $1.80M | — | +2.4% |
| Stock-based compensation | $494.00K | $398.00K | $374.00K | $446.00K | — | +24.1% |
| Change in working capital | $1.29M | $1.09M | -$3.71M | -$43.00K | — | +18.2% |
| Operating cash flow | $17.23M | $12.15M | $9.19M | $29.03M | — | +41.8% |
| Capital expenditure | -$1.25M | -$1.07M | -$1.95M | -$665.00K | — | -17.0% |
| Investing cash flow | -$88.33M | -$124.83M | -$82.25M | -$207.58M | — | +29.2% |
| Share buybacks | — | $0 | -$130.00K | -$79.00K | -$2.00K | — |
| Dividends paid | -$6.48M | -$6.44M | -$6.42M | -$6.24M | — | -0.6% |
| Financing cash flow | $67.57M | $50.85M | $112.84M | $150.51M | — | +32.9% |
| Free cash flow | $15.97M | $11.08M | $7.25M | $28.37M | — | +44.2% |
| End cash position | $12.30M | $15.84M | $77.67M | $37.88M | — | -22.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $14.52M | $13.42M | $13.72M | $14.16M | $12.91M | +8.2% |
| Operating revenue | $14.52M | $13.42M | $13.72M | $14.16M | $12.91M | +8.2% |
| Selling, general & admin | $7.36M | $6.39M | $6.13M | $6.54M | $6.64M | +15.3% |
| Pre-tax income | $3.23M | $3.33M | $3.01M | $3.85M | $2.50M | -3.2% |
| Tax provision | $301.00K | $328.00K | $262.00K | $414.00K | $102.00K | -8.2% |
| Net income | $2.92M | $3.00M | $2.75M | $3.44M | $2.40M | -2.7% |
| Net income to common | $2.92M | $3.00M | $2.75M | $3.44M | $2.40M | -2.7% |
| Basic EPS | 0.61 | 0.65 | 0.60 | 0.75 | 0.53 | -6.2% |
| Diluted EPS | 0.61 | 0.65 | 0.60 | 0.75 | 0.53 | -6.2% |
| Basic shares | 4.79M | 4.62M | 4.58M | 4.58M | 4.52M | +3.7% |
| Diluted shares | 4.79M | 4.62M | 4.58M | 4.58M | 4.52M | +3.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $14.48M | $12.46M | $13.61M | $13.38M | $11.69M | +16.2% |
| Property, plant & equipment | $20.05M | $19.60M | $19.85M | $19.98M | $20.25M | +2.3% |
| Total assets | $1.56B | $1.63B | $1.62B | $1.57B | $1.48B | -4.1% |
| Long-term debt | $353.40M | $327.30M | $302.79M | $287.14M | $286.96M | +8.0% |
| Total debt | $353.40M | $327.30M | $302.79M | $287.14M | $286.96M | +8.0% |
| Total liabilities | $1.47B | $1.54B | $1.54B | $1.50B | $1.41B | -4.9% |
| Retained earnings | $98.85M | $97.59M | $96.25M | $95.15M | $93.35M | +1.3% |
| Shareholder equity | $90.41M | $80.56M | $80.86M | $77.68M | $71.26M | +12.2% |
| Net tangible assets | $90.41M | $80.56M | $80.86M | $77.68M | $71.26M | +12.2% |
| Shares issued | 4.95M | 5.08M | 5.08M | 5.05M | 5.02M | -2.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $2.92M | $3.00M | $2.75M | $3.44M | $2.40M | -2.7% |
| Depreciation & amortisation | $429.00K | $424.00K | $419.00K | $426.00K | $406.00K | +1.2% |
| Stock-based compensation | $370.00K | $201.00K | $45.00K | $153.00K | $150.00K | +84.1% |
| Change in working capital | $3.95M | -$1.19M | $329.00K | $425.00K | $1.54M | +433.0% |
| Operating cash flow | $6.91M | $2.63M | $3.17M | $9.71M | $288.00K | +162.9% |
| Capital expenditure | -$920.00K | -$180.00K | -$286.00K | -$155.00K | -$669.00K | -411.1% |
| Investing cash flow | $68.11M | $7.20M | -$66.12M | -$89.04M | $64.88M | +846.2% |
| Dividends paid | -$1.64M | -$1.64M | -$1.63M | -$1.62M | -$1.62M | 0.0% |
| Financing cash flow | -$73.86M | $7.70M | $39.78M | $85.54M | -$49.62M | -1,059.8% |
| Free cash flow | $5.99M | $2.45M | $2.88M | $9.55M | -$381.00K | +144.6% |
| End cash position | $30.98M | $29.82M | $12.30M | $35.47M | $29.27M | +3.9% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders26.00%
Held by institutions16.04%
Institutions holding65
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
23.16
-1.11% from price
SMA 20
23.46
-2.39% from price
SMA 50
23.67
-3.24% from price
SMA 100
23.90
-4.19% from price
SMA 200
24.04
-4.74% from price
EMA 12
23.19
-1.27% from price
EMA 26
23.44
-2.30% from price
EMA 50
23.66
-3.22% from price
RSI (14)
34.1
Neutral
MACD (12,26,9)
-0.25
Hist -0.06
ATR (14)
0.36
1.56% of price
Realised vol 30D
10.9%
Annualised
Bollinger upper
24.19
20, 2σ
Bollinger lower
22.73
20, 2σ
50 / 200 cross
Death
23.67 vs 24.04
Trend bias
Below 200
-4.74%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.37
Less volatile than market
Correlation to SPY
0.16
Largely independent
Realised vol 30D
10.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.7%
Peak to trough
Max drawdown 5Y
-43.0%
Peak to trough
ATR 14
0.36
1.56% of price
Beta (reported)
0.27
5Y monthly, from filing
Short interest
Shares short
12.61K
Prior 14.35K
Change vs prior
-12.1%
Shorts covering
% of float
0.26%
Normal
% of shares out
0.25%
Against total outstanding
Days to cover
2.6
Liquid
Float
3.90M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jan 24, 14 | BMO Capital | MAINTAINED | — | Outperform |
Dividends & splits
Forward rate$1.44 / yr
Forward yield6.20%
5-year avg yield5.32%
Payout ratio55.60%
Ex-dividend dateJul 27, 2026
Next pay dateAug 6, 2026
Last split3:2
Split dateAug 11, 2003
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-16
Corporate Changes & Voting Matters
8-K · 2026-07-15
Corporate Changes & Voting Matters
8-K · 2026-05-21
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-07
Corporate Changes & Voting Matters
8-K/A · 2026-04-17
Corporate Changes & Voting Matters
8-K · 2026-04-15
Headlines
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