Union Bankshares Inc/Morrisville VT (UNB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$22.56-1.10%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -22.3% |
| Our one-year growth estimate | diamond |
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.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
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.
| 37.9% |
Growth built into the price is above our model estimate.
The price assumes 60.1 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 2026-11-04 · Compared with 231 industry peers · Company calendar date is not available
UNB — dividend update
Dated 2026-10-21
Other Events (a) Declaration of Regular Quarterly Cash Dividend On October 21, 2026 the Board of Directors of Union Bankshares, Inc. declared a quarterly cash dividend of $0.36 per share. The dividend is payable on November 5, 2026 to shareholders of record as of October 31, 2026.
Why it matters: Loans grew $52.5 million year over year in September, after modest growth in June. A sharp slowdown could weaken asset growth.
Worry ifThe next year-over-year loan balance increase is below $52.5 million or turns negative.
Less concerning ifThe next year-over-year loan balance increase is at least $52.5 million.
Why it matters: The board declared $0.36 per share for October. A steady payment would keep this cash return in place.
Supportive ifThe next quarterly dividend declaration is $0.36 per share or higher.
Worry ifThe next quarterly dividend is below $0.36 per share, or the board does not declare one.
Why it matters: Third-quarter net income rose to $3.8 million from $3.4 million a year earlier. Another rise would extend that gain.
Supportive ifNet income in a later quarter is higher than in the same quarter one year earlier. The latest figures were $3.8 million and $3.4 million.
Worry ifA later quarter reports net income at or below the same quarter one year earlier.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$69 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $262 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,389 loss on $10,000 · 13.9% | 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.