UNION BANKSHARES INC(UNB)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
UNB Stock Analysis & AI Quality Score
AI stock analysis and institutional research for UNION BANKSHARES INC (UNB), a Financials sector company. UNB is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), UNION BANKSHARES INC reports quarterly revenue of $13.8M, net income of $3.0M, an operating margin of 21.8%. Top institutional holders of UNB by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, Cardinal Capital Management, based on the most recent SEC filings. UNB trades on the Nasdaq exchange and files with the SEC under CIK 706863. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UNB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNION BANKSHARES INC directly from SEC EDGAR.
Revenue
Q1 2026
$13.8M
Net Income
Q1 2026
$3.0M
Free Cash Flow
Q1 2026
$2.5M
Operating Margin
Q1 2026
21.8%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
Net Income
-1.8% YoYEPS (Diluted)
-2.8% YoYTotal Assets
+10.1% YoYOp. Cash Flow
+87.4% YoY| Metric | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2019 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | $232.0K | — |
| Net Income | $11.1M -1.8% | $11.3M -10.4% | $12.6M -4.2% | $13.2M +23.7% | $10.6M +26.0% | $8.4M |
| EPS (Diluted) | $2.41 -2.8% | $2.48 -11.1% | $2.79 -4.5% | $2.92 +22.7% | $2.38 | — |
| Total Assets | $1.62B +10.1% | $1.47B +9.9% | $1.34B +10.9% | $1.21B +38.1% | $872.9M +17.0% | $745.8M |
| Operating Cash Flow | $17.2M +87.4% | $9.2M -68.3% | $29.0M -0.5% | $29.2M +150.7% | $11.6M +18.0% | $9.9M |
AI Insight: UNB Financial Trends
Equity steadily climbed from $64M in Q2 2024 to $81M in Q1 2026, signaling consistent book-value accumulation despite volatile operating cash flows.
• Equity expanded 27% from $64M in Q2 2024 to $81M in Q1 2026, reflecting sustained retained earnings growth.
• Net income has been range-bound at $1M–$3M per quarter across all eight periods, showing no clear earnings acceleration.
• Operating cash flow is highly erratic, swinging from $0M in Q2 2025 to $10M in Q3 2025, then falling back to $3M in Q1 2026.
⚠ Op CF collapsed to $0M in Q2 2025 before spiking to $10M in Q3 2025 — cash conversion quality warrants close monitoring.
⚠ Revenue and operating income data are entirely absent; without them, margin and profitability trend analysis remains impossible.
AI Insight: UNB Ratio Trends
UNB's profitability metrics are sparse but show ROE recovering to 14.9% in Q1 2026 after a soft Q4 2025 (13.6%), with only ROE and ROA available for trend analysis.
• ROE rebounded to 14.9% in Q1 2026 from 13.6% in Q4 2025, approaching the Q4 2024 peak of 18.1%.
• ROA has held steady at 0.7% for four of the last five quarters, suggesting stable asset profitability.
• TTM ROE of 14.4% and ROA of 0.7% reflect consistent but modest returns over the trailing twelve months.
⚠ Q3 2024 saw ROE drop sharply to 7.3% and ROA to 0.4% — monitor for any repeat one-off earnings drag.
⚠ OpMargin, NPM, ROIC, and D/E are all absent, limiting full assessment of efficiency and leverage trends.
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Available Research
13F Pro tracks comprehensive data for UNION BANKSHARES INC including:
Top Institutional Holders of UNB
BlackRock, Inc.
$4.9M200,031 shVANGUARD CAPITAL MANAGEMENT LLC
$3.6M149,474 shCardinal Capital Management
$2.5M102,560 shGEODE CAPITAL MANAGEMENT, LLC
$2.2M88,480 shNORTHERN TRUST CORP
$1.2M47,643 shDIMENSIONAL FUND ADVISORS LP
$998.3K41,052 shSpears Abacus Advisors LLC
$972.9K40,169 shSTATE STREET CORP
$889.5K36,575 shGOLDMAN SACHS GROUP INC
$707.9K29,106 shVANGUARD FIDUCIARY TRUST CO
$616.5K25,348 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $4.9M | 200,031 |
| VANGUARD CAPITAL MANAGEMENT LLC | $3.6M | 149,474 |
| Cardinal Capital Management | $2.5M | 102,560 |
| GEODE CAPITAL MANAGEMENT, LLC | $2.2M | 88,480 |
| NORTHERN TRUST CORP | $1.2M | 47,643 |
| DIMENSIONAL FUND ADVISORS LP | $998.3K | 41,052 |
| Spears Abacus Advisors LLC | $972.9K | 40,169 |
| STATE STREET CORP | $889.5K | 36,575 |
| GOLDMAN SACHS GROUP INC | $707.9K | 29,106 |
| VANGUARD FIDUCIARY TRUST CO | $616.5K | 25,348 |
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Popular Research
Is UNB a good stock to buy?
13F Pro's AI-powered analysis of UNION BANKSHARES INC (UNB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UNB are available on the UNB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own UNB?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UNB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNION BANKSHARES INC's investment landscape.