Union Bankshares Inc/Morrisville VT (UNB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$23.78-0.38%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · UNB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -17.6% |
| Our one-year growth estimate | diamond | 32.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 50.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is on a run of consecutive earnings misses and is a smaller-cap name (higher miss base rate). A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 220 industry peers
UNB — dividend update
Dated 2026-07-15
Other Events (a) Declaration of Regular Quarterly Cash Dividend On July 15, 2026 the Board of Directors of Union Bankshares, Inc. declared a quarterly cash dividend of $0.36 per share. The dividend is payable on August 6, 2026 to shareholders of record as of July 27, 2026.
Why it matters: A smooth leadership change can boost investor trust. It helps keep operations steady.
Watch forPositive feedback from stakeholders on the new CEO's performance within six months.
Also watch forBad feedback or problems in management can happen after the change.
Why it matters: Watching credit losses helps us see how well the bank manages risk.
Watch forIf credit loss expense stays stable or drops, asset quality is strong.
Also watch forA big rise in credit loss expense means higher credit risk.
Why it matters: Loan growth shows people want banking services. It also shows the business is healthy.
Supportive ifTotal loans increase by more than $15 million in Q3.
Worry ifTotal loans grow by less than $5 million in Q3.
Why it matters: Keeping the dividend shows the bank is financially healthy. It shows care for shareholders.
Supportive ifThe Board declares a cash dividend of $0.36 per share for Q3.
Worry ifThe Board cuts the quarterly dividend below $0.36 per share.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$108 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $293 loss on $10,000 · 2.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,697 loss on $10,000 · 17.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The growth rate shows if the bank is on track with its income goals. Investors look for consistent growth.
Supportive ifQ2 net income growth rate exceeds 25% year over year.
Worry ifQ2 net income growth rate falls below 15% year over year.
Why it matters: Sector performance can impact Union Bankshares. A slowdown in growth may affect its business outlook.
Worry ifSector revenue growth drops below 10% year over year.
Less concerning ifSector revenue growth remains above 15% year over year.
Why it matters: Net income growth shows the bank is doing well. It shows strong performance.
Supportive ifQ3 net income exceeds $3.0 million, maintaining the growth trend.
Worry ifQ3 net income falls below $2.9 million, breaking the growth trend.
Why it matters: Asset growth shows the bank can grow its business and attract more customers.
Supportive ifTotal assets reported above $1.6 billion for Q3.
Worry ifTotal assets reported below $1.55 billion for Q3.
Why it matters: Slower asset growth may mean the bank has challenges. This could affect its expansion.
Worry ifTotal assets grow less than 5% year over year in Q3.
Less concerning ifTotal assets grow more than 6% year over year in Q3.