Union Bankshares Inc
UNBFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 12:36 PM ET
22.54-0.01 (-0.04%)
2026-11-11 19:06 CET
Market cap
111.53 USD m
Revenue, TTM
- USD m
Net income, TTM
12.44 USD m
Free cash flow, TTM
-29.55 USD m
EPS diluted, TTM
2.60
P/E
8.66
Price
UNB against its 20, 50 and 200-day averages2050200
14.7% under the 52-week high of 26.41 on 26 Jun 2026. 52-week low 20.65 on 14 Nov 2025. Last 15 sessions, 7.0% high to low
Profile
UNB52-week range, 33% of the way up
20.6526.41
Union Bankshares, Inc. is a one-bank holding company for Union Bank, which engages in the provision of retail, commercial, municipal banking, and wealth management and trust services. It offers residential real estate loans, construction real estate loans, commercial real estate loans, commercial loans, consumer loans, and municipal loans. The company was founded in 1891 and is headquartered in Morrisville, VT.
| Employees | 195 |
|---|---|
| IPO | Aug 09, 1999 |
| Beta | 0.28 |
| ATR, 14d | 0.55 |
| Rel volume | 0.54 |
| Short float | 0.41% |
| Insider own | 23.68% |
| Inst own | 15.86% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 111.50M |
| Enterprise Value | - |
| Income | 12.44M |
| Sales | 90.63M |
| Book/sh | 15.94 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 1.44 (6.39%) |
| Dividend Ex-Date | Oct 30, 2026 |
| Dividend Gr. 3/5Y | 0.94% 2.38% |
| Payout | 59.68% |
| Employees | 195 |
| IPO | Aug 09, 1999 |
Ratios
| P/E | 8.66 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 1.23 |
| P/B | 1.41 |
| P/C | - |
| P/FCF | - |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.12 |
| Debt/Eq | 3.65 |
| LT Debt/Eq | 2.63 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 2.60 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -4.77% -3.27% |
| Sales past 3/5Y | 18.04% 10.66% |
| EPS Y/Y TTM | 5.22% |
| Sales Y/Y TTM | 6.11% |
| EPS Q/Q | 1.33% |
| Sales Q/Q | 2.88% |
| Earnings | Oct 21 AMC |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 23.68% |
|---|---|
| Insider Trans | 0.16% |
| Inst Own | 15.86% |
| Inst Trans | 0.20% |
| ROA | 0.78% |
| ROE | 15.90% |
| ROIC | 4.35% |
| Gross Margin | - |
| Oper. Margin | 14.99% |
| Profit Margin | 13.73% |
| SMA20 | -1.98% |
| SMA50 | -3.04% |
| SMA200 | -5.66% |
| Trades | - |
Technical
| Shs Outstand | 4.95M |
|---|---|
| Shs Float | 3.77M |
| Short Float | 0.41% |
| Short Ratio | 3.20 |
| Short Interest | 0.02M |
| 52W High | 26.41 -14.65% |
| 52W Low | 20.65 9.15% |
| Volatility | 3.03% 2.03% |
| ATR (14) | 0.55 |
| RSI (14) | 41.41 |
| Beta | 0.28 |
| Rel Volume | 0.54 |
| Avg Volume | 4.86K |
| Volume | 1,506 |
Performance
| Perf Week | -2.63% |
|---|---|
| Perf Month | -2.13% |
| Perf Quarter | -8.34% |
| Perf Half Y | -4.49% |
| Perf YTD | -5.01% |
| Perf Year | -3.68% |
| Perf 3Y | -14.07% |
| Perf 5Y | -31.10% |
| Perf 10Y | -43.93% |
| Recom | 3.00 |
| Target Price | 40.00 |
| Prev Close | 22.55 |
| Price | 22.54 |
| Change % | -0.04% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| CMTV | Community Bancorp Inc Vermont | 255.84M |
| BHB | Bar Harbor Bankshares Inc | 692.36M |
| FNLC | First Bancorp Inc (ME) | 414.11M |
| CAC | Camden National Corp | 995.97M |
| PBHC | Pathfinder Bancorp Inc | 106.36M |
| WNEB | Western New England Bancorp Inc | 270.69M |
| NBN | Northeast Bank | 1.13B |
| RBKB | Rhinebeck Bancorp Inc | 206.47M |
| LSBK | Lake Shore Bancorp Inc | 146.80M |
| CZNC | Citizens & Northern Corp | 502.88M |
Insider trading
4 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Cote Steven P | Director | Sep 17 '26 | Buy | 23.73 | 418 | 9,917 | 1,212 | Oct 15 03:48 PM |
| Silverman David Scott | Director | Aug 26 '26 | Buy | 23.76 | 1,000 | 23,760 | 46,864 | Aug 28 11:25 AM |
| Bugbee Dawn D | Director | Aug 25 '26 | Buy | 23.80 | 200 | 4,760 | 6,487 | Aug 26 05:26 PM |
| Bugbee Dawn D | Director | Jul 27 '26 | Buy | 23.30 | 200 | 4,660 | 6,287 | Aug 03 10:54 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | - |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | - |
| BUSM | EA Bridgeway Ultra-Small Company Market ETF | AUM: 111.21M |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| DXUV | US Vector Equity Portfolio ETF Class Shares | - |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | - |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | - |
News
latest 14 of 206- Union Bankshares: Q3 Earnings Snapshot (Associated Press)
- Union Bankshares Announces Earnings for the three and nine months ended September 30, 2026 and Declares Quarterly Dividend (GlobeNewswire)
- Union Bankshares: Q2 Earnings Snapshot (Associated Press)
- Union Bankshares Announces Earnings for the three and six months ended June 30, 2026 and Declares Quarterly Dividend (GlobeNewswire)
- Union Bankshares: Q1 Earnings Snapshot (Associated Press)
- Loading…
- Union Bankshares Announces Earnings for the three months ended March 31, 2026 and Declares Quarterly Dividend (GlobeNewswire)
- Union Bankshares: Q4 Earnings Snapshot (Associated Press Finance)
- Union Bankshares Announces Earnings for the three months and year ended December 31, 2025 and Declares Quarterly Dividend (GlobeNewswire)
- Union Bankshares: Q3 Earnings Snapshot (Associated Press Finance)
- Union Bankshares Announces Earnings for the three and nine months ended September 30, 2025 and Declares Quarterly Dividend (GlobeNewswire)
- Union Bankshares: Q2 Earnings Snapshot (Associated Press Finance)
- Union Bankshares Announces Earnings for the three and six months ended June 30, 2025 and Declares Quarterly Dividend (GlobeNewswire)
- Union Bankshares Announces Earnings for the three months ended March 31, 2025 and Declares Quarterly Dividend (GlobeNewswire) +6.68%
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-05-07 | - | - | 0.646 | - | - | - |
| 2025Q4 | 2026-02-05 | - | - | 0.595 | - | - | - |
| 2023Q3 | 2023-11-02 | - | - | 0.558 | - | - | - |
| 2023Q2 | 2023-08-03 | - | - | 0.595 | - | - | - |
| 2022Q4 | 2023-02-02 | - | - | 0.764 | - | - | - |
| 2022Q2 | 2022-08-04 | - | - | 0.649 | - | - | - |
| 2021Q2 | 2021-08-05 | - | - | 0.663 | - | - | - |
| 2021Q1 | 2021-04-21 | 0.640 | - | 0.642 | 12.10 | - | - |
| 2020Q4 | 2021-01-20 | 0.850 | - | 0.847 | 75.50 | - | - |
| 2020Q3 | 2020-10-21 | 0.920 | - | 0.927 | - | - | - |
| 2020Q2 | 2020-07-15 | 0.600 | - | 0.596 | - | - | - |
| 2020Q1 | 2020-04-16 | 0.490 | - | 0.491 | - | - | - |
| 2019Q4 | 2020-01-16 | 0.610 | - | 0.617 | - | - | - |
| 2019Q3 | 2019-10-16 | 0.620 | - | 0.613 | - | - | 1 |
| 2019Q2 | 2019-07-17 | 0.560 | 0.700 | 0.566 | - | - | 1 |
| 2019Q1 | 2019-05-20 | 0.470 | - | 0.587 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | 1.250 | - | 1.250 | - | - |
| 2019FY | 2.380 | - | 2.376 | - | - |
| 2020FY | 2.860 | - | 2.850 | 263.1 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.894 | 1.584 | 2.376 | 2.85 | 2.921 | 2.795 | 2.481 | 1.924 | 2.413 | 2.6031 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.291 | 0.661 | 0.548 | 0.523 | 0.747 | 0.595 | 0.646 | 0.605 | 0.757 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 38.412 | 41.653 | 46.325 | 52.753 | 52.236 | 53.208 | 67.275 | 77.943 | 87.52 | 90.63 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 18.841 | 20.656 | 20.719 | 21.473 | 22.557 | 22.478 | 22.024 | 22.919 | 23.206 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 4.466 | 4.467 | 4.472 | 4.48 | 4.494 | 4.509 | 4.519 | 4.538 | 4.613 | 4.947 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 4.525 | 4.538 | 4.539 | 4.551 | 4.582 | 4.613 | 4.614 | 4.946 | 4.947 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 79.52 | 75.79 | 67.95 | 57.11 | 43.95 | 39.27 | 36.75 | 35.87 | 32.18 |
| Total Interest Expense | 33.31 | 32.77 | 29.59 | 19.27 | 4.52 | 3.56 | 5.15 | 5.60 | 3.58 |
| Net Interest Income | 46.21 | 43.02 | 38.36 | 37.84 | 39.42 | 35.71 | 31.60 | 30.27 | 28.60 |
| Loan Loss Provision | -0.11 | 0.77 | 0.93 | -0.50 | 0.00 | 0.00 | 2.20 | 0.78 | 0.45 |
| Net Interest Income After Loan Loss Provision | 46.32 | 42.25 | 37.43 | 38.34 | 39.42 | 35.71 | 29.40 | 29.50 | 28.15 |
| Non-Interest Income | 11.11 | 11.73 | 9.99 | 10.16 | 9.26 | 12.96 | 16.00 | 10.46 | 9.47 |
| Non-Interest Expense | 43.84 | 41.76 | 38.29 | 35.63 | 33.37 | 32.85 | 30.18 | 27.47 | 29.28 |
| Operating Income | 13.59 | 12.22 | 9.13 | 12.88 | 15.31 | 15.82 | 15.22 | 12.48 | 8.35 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 13.91 | 12.01 | 9.13 | 12.88 | 15.25 | 15.82 | 15.22 | 12.48 | 8.35 |
| Income Taxes | 1.46 | 0.93 | 0.37 | 1.62 | 2.63 | 2.65 | 2.42 | 1.83 | 1.27 |
| Consolidated Net Income | 12.44 | 11.08 | 8.76 | 11.26 | 12.62 | 13.17 | 12.80 | 10.65 | 7.07 |
| Net Income From Continuing Operations | 12.44 | 11.08 | 8.76 | 11.26 | 12.62 | 13.17 | 12.80 | 10.65 | 7.07 |
| Net Income | 12.44 | 11.08 | 8.76 | 11.26 | 12.62 | 13.17 | 12.80 | 10.65 | 7.07 |
| EPS (Recurring) | 2.50 | 2.41 | 1.92 | 2.48 | 2.81 | 2.92 | 2.85 | 2.38 | 1.58 |
| EPS (Basic, Before Extraordinaries) | 2.62 | 2.43 | 1.94 | 2.50 | 2.81 | 2.94 | 2.86 | 2.38 | 1.58 |
| EPS (Diluted) | 2.60 | 2.41 | 1.92 | 2.48 | 2.79 | 2.92 | 2.85 | 2.38 | 1.58 |
| Non-Operating Income (Expense) | 0.32 | -0.21 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.62 | 0.39 | 0.31 | 0.30 | 0.35 | 0.30 | 0.19 | 0.13 | 0.09 |
| Price To Earnings Ratio | 8.66 | 8.66 | 14.89 | 11.90 | 8.62 | 10.19 | 8.99 | 15.22 | 30.15 |
| Price To Sales Ratio | 1.26 | 1.25 | 1.69 | 2.07 | 2.04 | 2.57 | 2.19 | 3.51 | 5.12 |
| Operating Margin | 14.99 | 13.96 | 11.71 | 19.14 | 28.78 | 30.28 | 28.86 | 26.94 | 20.03 |
| Net Margin | 13.73 | 12.66 | 11.24 | 16.73 | 23.71 | 25.21 | 24.27 | 22.99 | 16.98 |
| Shares Outstanding | 4.95 | 4.61 | 4.54 | 4.52 | 4.51 | 4.49 | 4.48 | 4.47 | 4.47 |
| Market Capitalization | 111.53 | 111.53 | 130.80 | 138.15 | 108.00 | 133.79 | 115.06 | 162.05 | 213.25 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 20.36 | 20.06 | 19.53 | 19.57 | 19.21 | 18.72 | 18.30 | 18.59 |
| Total Interest Expense | 8.22 | 8.44 | 8.23 | 8.42 | 8.05 | 8.28 | 8.03 | 8.15 |
| Net Interest Income | 12.14 | 11.62 | 11.29 | 11.15 | 11.16 | 10.45 | 10.27 | 10.44 |
| Loan Loss Provision | 0.03 | 0.17 | -0.33 | 0.01 | 0.31 | 0.22 | 0.23 | 0.35 |
| Net Interest Income After Loan Loss Provision | 12.11 | 11.45 | 11.62 | 11.14 | 10.84 | 10.22 | 10.04 | 10.10 |
| Non-Interest Income | 2.84 | 2.86 | 2.49 | 2.91 | 3.35 | 2.75 | 2.42 | 2.07 |
| Non-Interest Expense | 10.61 | 11.46 | 10.78 | 10.99 | 10.31 | 10.40 | 9.74 | 9.61 |
| Operating Income | 4.34 | 2.84 | 3.33 | 3.07 | 3.88 | 2.57 | 2.72 | 2.55 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 | 0.00 |
| Net Income Before Taxes | 4.34 | 3.23 | 3.33 | 3.01 | 3.85 | 2.50 | 2.65 | 3.27 |
| Income Taxes | 0.57 | 0.30 | 0.33 | 0.26 | 0.41 | 0.10 | 0.15 | 0.27 |
| Consolidated Net Income | 3.77 | 2.92 | 3.00 | 2.75 | 3.44 | 2.40 | 2.50 | 3.00 |
| Net Income From Continuing Operations | 3.77 | 2.92 | 3.00 | 2.75 | 3.44 | 2.40 | 2.50 | 3.00 |
| Net Income | 3.77 | 2.92 | 3.00 | 2.75 | 3.44 | 2.40 | 2.50 | 3.00 |
| EPS (Recurring) | 0.76 | 0.61 | 0.65 | 0.59 | 0.75 | 0.52 | 0.56 | 0.66 |
| EPS (Basic, Before Extraordinaries) | 0.76 | 0.61 | 0.65 | 0.60 | 0.75 | 0.53 | 0.55 | 0.66 |
| EPS (Diluted) | 0.76 | 0.61 | 0.65 | 0.59 | 0.75 | 0.52 | 0.55 | 0.66 |
| Non-Operating Income (Expense) | 0.00 | 0.38 | 0.00 | -0.06 | -0.03 | -0.07 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.09 | 0.29 | 0.20 | 0.04 | 0.12 | 0.12 | 0.15 | 0.04 |
| Price To Earnings Ratio | 8.66 | 9.66 | 10.08 | 9.57 | 12.24 | 13.70 | 16.32 | 14.89 |
| Price To Sales Ratio | 1.26 | 1.30 | 1.28 | 1.26 | 1.33 | 1.49 | 1.81 | 1.71 |
| Operating Margin | 18.71 | 12.41 | 15.13 | 13.66 | 17.21 | 11.98 | 13.11 | 12.33 |
| Net Margin | 16.24 | 12.76 | 13.64 | 12.23 | 15.23 | 11.15 | 12.07 | 14.53 |
| Shares Outstanding | 4.95 | 4.95 | 4.61 | 4.61 | 4.58 | 4.55 | 4.54 | 4.54 |
| Market Capitalization | 111.53 | 111.94 | 112.21 | 108.74 | 112.69 | 120.82 | 142.83 | 130.80 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 4.66 | 5.17 | 4.43 | 4.50 | 4.66 | 5.41 | 5.41 | 4.04 | 3.86 |
| Investments | 386.64 | 313.06 | 375.80 | 316.23 | 358.37 | 270.16 | 152.24 | 122.92 | 123.02 |
| Net Loans | 1,168.39 | 1,150.22 | 1,023.46 | 951.15 | 779.42 | 762.75 | 665.16 | 637.66 | 582.00 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.17 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | - | - | 0.00 | 0.05 | 0.00 | 0.00 | 0.04 |
| Net Property, Plant & Equipment | 22.04 | 22.54 | 23.22 | 22.63 | 23.23 | 21.77 | 22.78 | 16.07 | 14.26 |
| Interest Receivables | 6.99 | 6.47 | 5.41 | 0.00 | 3.25 | 4.13 | 2.70 | 0.42 | 2.50 |
| Deferred Tax Assets | 12.37 | 13.52 | 11.20 | 12.38 | 2.58 | 2.97 | 2.50 | 0.21 | 2.01 |
| Other Intangible Assets | 18.23 | 19.60 | 27.66 | 31.85 | 35.32 | 28.23 | 23.93 | 22.85 | 16.18 |
| Total Assets | 1,619.33 | 1,530.57 | 1,471.18 | 1,338.76 | 1,207.95 | 1,096.53 | 875.41 | 805.34 | 747.03 |
| Total Deposits | 1,214.98 | 1,168.89 | 1,305.60 | 1,201.91 | 1,095.08 | 994.30 | 744.03 | 706.77 | 647.57 |
| Total Debt | 305.17 | 278.45 | 84.54 | 68.46 | 17.86 | 8.95 | 49.06 | 27.82 | 31.58 |
| Long Term Debt | 289.45 | 249.24 | 74.33 | 18.29 | 17.73 | 8.62 | 48.88 | 27.45 | 30.22 |
| Provision for Risks Charges | 1.09 | 1.07 | 1.23 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 |
| Deferred Tax Liabilities | 2.13 | 2.21 | 2.30 | 2.27 | 2.89 | 2.54 | 1.73 | 1.65 | 1.20 |
| Other Liabilities | 15.08 | 13.46 | 11.70 | 10.90 | 7.78 | 9.86 | 8.75 | 6.25 | 7.99 |
| Total Liabilities | 1,538.46 | 1,464.09 | 1,405.37 | 1,283.54 | 1,123.61 | 1,015.66 | 803.57 | 740.85 | 688.37 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 80.86 | 66.48 | 65.81 | 55.22 | 84.34 | 80.87 | 71.84 | 64.49 | 58.66 |
| Total Shareholders Equity | 80.86 | 66.48 | 65.81 | 55.22 | 84.34 | 80.87 | 71.84 | 64.49 | 58.66 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 80.86 | 66.48 | 65.81 | 55.22 | 84.34 | 80.87 | 71.84 | 64.49 | 58.66 |
| Total Liabilities & Stockholders Equity | 1,619.33 | 1,530.57 | 1,471.18 | 1,338.76 | 1,207.95 | 1,096.53 | 875.41 | 805.34 | 747.03 |
| Book Value Per Share | 17.53 | 14.65 | 14.56 | 12.25 | 18.77 | 18.05 | 16.07 | 14.44 | 13.14 |
| Tangible Book Value Per Share | 17.53 | 14.65 | 14.56 | 12.25 | 18.77 | 17.55 | 15.57 | 13.94 | 12.51 |
| Tier 1 Capital | - | - | 95.54 | 90.42 | 83.67 | 75.93 | 68.39 | 62.88 | 61.06 |
| Tier 2 Capital | - | - | 24.04 | 24.54 | 24.51 | 7.53 | 6.12 | 5.74 | 5.41 |
| Full-Time Employees | 195 | 191 | 197 | 188 | 194 | 193 | 201 | 195 | 194 |
| Price to Book Ratio | 1.42 | 1.81 | 2.81 | 2.17 | 1.59 | 1.42 | 2.26 | 3.31 | 3.96 |
| Return on Assets | 0.70 | 0.58 | 0.80 | 0.99 | 1.14 | 1.30 | 1.27 | 0.91 | 1.17 |
| Return on Equity | 15.04 | 13.25 | 18.60 | 18.08 | 15.94 | 16.77 | 15.62 | 11.48 | 14.70 |
| Return on Invested Capital | 2.99 | 2.77 | 8.03 | 17.16 | 12.90 | 14.31 | 8.82 | 7.69 | 9.51 |
| Current Ratio | 0.06 | 0.07 | 0.18 | 0.12 | 0.31 | 0.65 | 0.44 | 0.35 | 0.18 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | -27.39 | -129.65 | -104.51 | -64.27 | -50.53 | -186.81 | -277.15 | -150.97 | -104.34 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 0.70 | 1.20 | 1.50 | -3.29 | 0.59 | -5.77 | -1.27 | 1.45 | 2.54 |
| Cash from Operating Activities | -26.69 | -128.45 | -103.00 | -67.56 | -49.95 | -192.58 | -278.42 | -149.52 | -101.80 |
| Capital Expenditures | -2.86 | -1.25 | -1.07 | -1.95 | -0.67 | -3.51 | -1.01 | -9.42 | -3.07 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.42 | 0.00 | 0.05 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.20 |
| Purchase or Sale of Investments | -38.35 | -68.76 | -1.82 | -11.94 | -32.58 | -170.14 | -17.74 | -14.07 | -9.51 |
| Purchase of Investments | -76.66 | -99.93 | -58.33 | -28.64 | -62.92 | -207.16 | -44.35 | -35.89 | -17.21 |
| Sale Or Maturity of Investments | 38.31 | 31.18 | 56.51 | 16.70 | 30.34 | 37.02 | 26.61 | 21.82 | 7.70 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.20 | 0.23 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.31 |
| Cash from Investing Activities | 47.11 | 57.34 | -9.67 | -5.50 | -128.61 | 31.77 | 145.45 | 112.23 | 50.58 |
| Cash Dividends Paid | -6.67 | -6.48 | -6.44 | -6.42 | -6.24 | -5.88 | -5.69 | -5.50 | -5.33 |
| Change in Capital Stock | 7.81 | 1.18 | 0.00 | -0.13 | -0.08 | -0.27 | 0.02 | 0.03 | -0.11 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | -0.13 | -0.08 | -0.00 | 0.00 | -0.01 | -0.11 |
| Sale of Common Pref Stock | 7.81 | 1.18 | 0.00 | 0.00 | 0.00 | -0.27 | 0.02 | 0.04 | 0.00 |
| Proceedsfrom Stock Options | 7.81 | 1.18 | 0.00 | 0.00 | 0.00 | -0.27 | 0.02 | 0.04 | 0.00 |
| Issuance or Reduction of Debt, Net | -95.62 | 26.79 | 194.00 | 15.70 | 50.00 | 9.34 | -40.00 | 19.34 | -3.76 |
| Change in Long Term Debt | -39.77 | 40.28 | 175.00 | 55.70 | 0.00 | 9.34 | 0.00 | -20.29 | -12.77 |
| Issuance of Long Term Debt | 155.23 | 70.28 | 285.00 | 90.70 | 0.00 | 16.50 | 0.00 | 0.00 | 7.00 |
| Reduction of Long Term Debt | -195.00 | -30.00 | -110.00 | -35.00 | 0.00 | -7.16 | 0.00 | -20.29 | -19.77 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | - | - | 0.00 | - | 0.00 | 0.00 | - |
| Cash from Financing Activities | -32.56 | 67.57 | 50.85 | 112.84 | 150.51 | 103.97 | 204.61 | 51.13 | 50.00 |
| Net Change in Cash | -12.14 | -3.54 | -61.83 | 39.78 | -28.04 | -56.85 | 71.64 | 13.85 | -1.22 |
| Free Cash Flow | -29.55 | -129.70 | -104.08 | -69.51 | -50.61 | -196.09 | -279.43 | -155.94 | -104.87 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 5.27 | 6.52 | 4.50 | 4.66 | 4.92 | 4.73 |
| Investments | 334.19 | 359.19 | 380.18 | 386.64 | 318.07 | 294.55 |
| Net Loans | 1,220.28 | 1,110.57 | 1,170.90 | 1,168.39 | 1,167.98 | 1,096.62 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 21.09 | 20.05 | 19.60 | 22.04 | 19.98 | 20.25 |
| Interest Receivables | 6.22 | 5.66 | 7.58 | 6.99 | 5.59 | 5.48 |
| Deferred Tax Assets | - | - | - | 12.37 | - | - |
| Other Intangible Assets | 49.48 | 56.80 | 42.39 | 18.23 | 57.37 | 58.73 |
| Total Assets | 1,636.54 | 1,558.80 | 1,625.14 | 1,619.33 | 1,573.92 | 1,480.36 |
| Total Deposits | 1,251.50 | 1,094.06 | 1,199.82 | 1,214.98 | 1,189.59 | 1,103.35 |
| Total Debt | 287.41 | 353.40 | 327.30 | 305.17 | 287.14 | 286.96 |
| Long Term Debt | 207.41 | 332.40 | 287.30 | 289.45 | 287.14 | 257.13 |
| Provision for Risks Charges | 0.79 | 0.96 | 1.10 | 1.09 | 1.09 | 0.91 |
| Deferred Tax Liabilities | - | - | - | 2.13 | - | - |
| Other Liabilities | 18.01 | 19.96 | 16.36 | 15.08 | 18.42 | 17.89 |
| Total Liabilities | 1,557.71 | 1,468.39 | 1,544.58 | 1,538.46 | 1,496.24 | 1,409.11 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 78.83 | 90.41 | 80.56 | 80.86 | 77.68 | 71.26 |
| Total Shareholders Equity | 78.83 | 90.41 | 80.56 | 80.86 | 77.68 | 71.26 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 78.83 | 90.41 | 80.56 | 80.86 | 77.68 | 71.26 |
| Total Liabilities & Stockholders Equity | 1,636.54 | 1,558.80 | 1,625.14 | 1,619.33 | 1,573.92 | 1,480.36 |
| Book Value Per Share | 15.94 | 18.28 | 17.46 | 17.53 | 16.95 | 15.66 |
| Tangible Book Value Per Share | 15.94 | 18.28 | 17.46 | 17.53 | 16.95 | 15.66 |
| Tier 1 Capital | - | 115.18 | - | - | 102.98 | 100.27 |
| Tier 2 Capital | - | 25.68 | - | - | 25.79 | 25.50 |
| Full-Time Employees | - | - | - | 195 | - | - |
| Price to Book Ratio | 1.42 | 1.39 | 1.39 | 1.40 | 1.58 | 1.72 |
| Return on Assets | 0.78 | 0.80 | 0.74 | 0.70 | 0.73 | 0.64 |
| Return on Equity | 15.90 | 14.98 | 15.38 | 15.04 | 15.11 | 13.63 |
| Return on Invested Capital | 1.32 | 0.69 | 0.82 | 0.74 | 0.94 | 0.73 |
| Current Ratio | 0.12 | 0.19 | 0.17 | 0.06 | 0.21 | 0.17 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 4.35 | 2.90 | 3.81 | -38.44 | -37.37 | -32.75 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -2.42 | 4.01 | -1.18 | 0.29 | 0.38 | 1.53 |
| Cash from Operating Activities | 1.92 | 6.91 | 2.63 | -38.16 | -36.99 | -31.21 |
| Capital Expenditures | -1.47 | -0.92 | -0.18 | -0.29 | -0.15 | -0.67 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.42 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 8.01 | 9.98 | 8.54 | -64.88 | -16.05 | 6.16 |
| Purchase of Investments | -0.25 | 1.21 | -1.57 | -76.05 | -22.84 | -0.84 |
| Sale Or Maturity of Investments | 8.26 | 8.77 | 10.11 | 11.17 | 6.79 | 7.00 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.20 | 0.00 |
| Cash from Investing Activities | -3.40 | 68.11 | 7.20 | -24.80 | -42.34 | 96.38 |
| Cash Dividends Paid | -1.76 | -1.64 | -1.64 | -1.63 | -1.62 | -1.62 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.00 | 7.44 | 0.00 | 0.38 | 0.75 | 0.05 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 7.44 | 0.00 | 0.38 | 0.75 | 0.05 |
| Proceedsfrom Stock Options | 0.00 | 7.44 | 0.00 | 0.38 | 0.75 | 0.05 |
| Issuance or Reduction of Debt, Net | -161.85 | 26.09 | 24.50 | 15.64 | 0.17 | 29.98 |
| Change in Long Term Debt | -125.00 | 45.09 | 0.00 | 40.14 | -10.00 | 0.14 |
| Issuance of Long Term Debt | 20.00 | 85.09 | 0.00 | 50.14 | -10.00 | 0.14 |
| Reduction of Long Term Debt | -145.00 | -40.00 | 0.00 | -10.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | 0.00 | - | - | - |
| Cash from Financing Activities | -6.17 | -73.86 | 7.70 | 39.78 | 85.54 | -49.62 |
| Net Change in Cash | -7.65 | 1.16 | 17.52 | -23.17 | 6.21 | 15.55 |
| Free Cash Flow | 0.45 | 5.99 | 2.45 | -38.44 | -37.15 | -31.88 |
Revenue breakdown
| State Commercial Banks | 2024: 48.09M 2025: 54.48M |
|---|---|
| United States | 2024: 48.09M 2025: 54.48M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.41% | 0.0M | 3.8M | 4.91K |
| 2026-10-15 | 0.52% | 0.0M | 3.8M | 5.56K |
| 2026-09-30 | 0.48% | 0.0M | 3.8M | 5.96K |
| 2026-09-15 | 0.33% | 0.0M | 3.8M | 13.25K |
| 2026-08-31 | 0.48% | 0.0M | 3.7M | 13.79K |
| 2026-08-14 | 0.39% | 0.0M | 3.7M | 14.35K |
| 2026-07-31 | 0.33% | 0.0M | 3.5M | 19.00K |
| 2026-07-15 | 0.30% | 0.0M | 3.5M | 18.61K |
| 2026-06-30 | 0.30% | 0.0M | 3.5M | 18.17K |
| 2026-06-15 | 2.53% | 0.1M | 3.5M | 11.42K |
| 2026-05-29 | 2.65% | 0.1M | 3.5M | 11.46K |
| 2026-05-15 | 2.94% | 0.1M | 3.5M | 12.12K |
| 2026-04-30 | 2.76% | 0.1M | 3.8M | 9.03K |
| 2026-04-15 | 2.63% | 0.1M | 3.8M | 9.90K |
| 2026-03-31 | 2.15% | 0.1M | 4.5M | 10.95K |
| 2026-03-13 | 2.32% | 0.1M | 4.5M | 13.78K |
| 2026-02-27 | 2.21% | 0.1M | 4.5M | 13.93K |
| 2026-02-13 | 2.02% | 0.1M | 4.5M | 14.01K |
| 2026-01-30 | 1.90% | 0.1M | 4.5M | 12.09K |
| 2026-01-15 | 1.88% | 0.1M | 4.5M | 12.47K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-09 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-21 | 8-K | Current report | 2026-10-21 | SEC |
| 2026-10-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-17 | SEC |
| 2026-09-22 | 3 | Initial statement of beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-09-16 | 3 | Initial statement of beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-08-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-26 | SEC |
| 2026-08-26 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-25 | SEC |
| 2026-08-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-27 | SEC |
| 2026-07-16 | 8-K | Current report | 2026-07-15 | SEC |
| 2026-07-15 | 8-K | Current report | 2026-07-15 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-04 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-05-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-05-21 | 8-K | Current report | 2026-05-20 | SEC |
| 2026-05-18 | SCHEDULE 13D | SEC | ||
| 2026-05-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-07 | 3 | Initial statement of beneficial ownership of securities | 2026-05-04 | SEC |
| 2026-05-07 | 8-K | Current report | 2026-05-07 | SEC |
| 2026-04-17 | 8-K/A | 2026-04-15 | SEC | |
| 2026-04-15 | 8-K | Current report | 2026-04-15 | SEC |
| 2026-04-08 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-08 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-04-08 | SEC |
| 2026-03-24 | 8-K | Current report | 2026-03-18 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 9.92K | 1 | 0 | 0 |
| 2026-08 | 28.52K | 2 | 0 | 0 |
| 2026-07 | 4.66K | 1 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 213 | 1 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | 3.28% |
| Cardinal Capital Management | 2.26% |
| Truffle Hound Capital, LLC | 1.62% |
| BlackRock, Inc. | 1.43% |
| Cannell & Spears LLC | 0.87% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.86% |
| DIMENSIONAL FUND ADVISORS LP | 0.85% |
| MILLENNIUM MANAGEMENT LLC | 0.69% |
| TRUST CO OF VERMONT | 0.59% |
| VANGUARD FIDUCIARY TRUST CO | 0.49% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.32% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.91% |
| Fidelity Small Cap Index Fund | 0.80% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.40% |
| Fidelity Extended Market Index Fund | 0.39% |
| U.S. MICRO CAP PORTFOLIO | 0.33% |
| iShares Micro-Cap ETF | 0.29% |
| Schwab Small-Cap Index Fund | 0.20% |
| U.S. SMALL CAP PORTFOLIO | 0.16% |
| Fidelity Total Market Index Fund | 0.14% |
OakChart. UNB. Cached 15 minutes.
Some panels did not load: ratings.