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Union Bankshares, Inc. (UNB)

USD25.30 +0.50 (+2.02%)
US NASDAQ Financial Services Banks - Regional
Address 20 Lower Main Street 05661-0667
Morrisville, VT, US
CEO David Scott Silverman
IPO 1999-08-09
CIK 706863 ISIN US9054001071

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Description

Union Bankshares, Inc., established in 1891 and based in Morrisville, Vermont, serves as the holding company for Union Bank. This institution provides a comprehensive suite of retail, commercial, and municipal banking services across northern Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking accounts, complemented by standby letters of credit. Additional services include asset management, fiduciary, and trust provisions. Customers manage their finances through a network of 18 banking offices, 3 loan centers, and numerous ATMs, supported by extensive telephone, internet, and mobile banking capabilities, debit cards, and online mortgage application services.

Market Cap & Enterprise Value
Merger & Acquisition History
Target company Date Filing
Citizens 1999-07-12 View
Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD25.30 +0.50 (+2.02%)
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Volume Profile
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Liquidity & share structure
Average Volume
18.3K
Beta
0.27
Float Shares
3.79M
Free Float %
82.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.76% -6.28% -4.05% -4.09% +3.44% -1.26% -31.95% +13.79% -29.02% -20.03% +75.77%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (1 ratings, all time) Buy
Price Targets & DCF
Current price
25.30
DCF (Unlevered) 30.70 +21.4%
DCF (Levered) 80.13 +216.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.41
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +12.0% Q1'26: +6.9% (vs Q1'25)
  • EPS growth
    +26.6% Q1'26: +18.2% (vs Q1'25)
  • FCF margin
    Q1'26: +11.1% (vs Q1'25)
  • EBIT margin
    Q1'26: +15.1% (vs Q1'25)
  • ROIC
    Q1'26: +3.0% (vs Q1'25)
  • Share dilution
    +0.4% Q1'26: +0.8% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 24.61× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.31) × ERP
WACC = 27% × Ke + 73% × Kd (10.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 30.70 Current price: 25.30
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
77.94M
est: 76.42M (+2.0%)
87.30M
est: 87.30M (+0.0%)
99.57M
99.57M – 99.57M
+14.1% YoY
113.57M
113.57M – 113.57M
+14.1% YoY
EBITDA
10.72M
est: 20.83M (-48.5%)
12.03M
est: 20.10M (-40.2%)
22.93M
22.93M – 22.93M
+14.1% YoY
26.15M
26.15M – 26.15M
+14.1% YoY
EBIT
9.13M
est: 18.44M (-50.5%)
12.03M
est: 18.09M (-33.5%)
20.64M
20.64M – 20.64M
+14.1% YoY
23.54M
23.54M – 23.54M
+14.1% YoY
Net Income
8.76M
est: 11.98M (-26.9%)
11.10M
est: 12.03M (-7.7%)
12.03M
12.03M – 12.03M
+0.0% YoY
14.63M
14.63M – 14.63M
+21.7% YoY
SGA
26.25M
est: 29.46M (-10.9%)
30.65M
est: 33.40M (-8.3%)
38.10M
38.10M – 38.10M
+14.1% YoY
43.46M
43.46M – 43.46M
+14.1% YoY
EPS
1.94
est: 2.63 (-26.2%)
2.43
est: 2.63 (-7.6%)
2.63
2.63 – 2.63
+0.0% YoY
3.20
3.20 – 3.20
+21.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-07 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-06 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-05 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-04 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-05-01 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-30 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-29 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-28 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-27 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-24 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-23 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-22 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-21 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-20 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-17 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-16 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-23.83M
OE per share TTM
-5.21
Owner's Yield
-21.37%
Maintenance CapEx ratio
15.77%
Maint CapEx / Avg PPE
33.5%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
24
Total invested
9.10M
Insider transactions (90d)
1
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
24
-23 vs prev Q
New positions
10
Closed positions
33
Increased
13
Reduced
5
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 VANGUARD GROUP INC 198.2K +13.1K (+7.1%) 4.70M +119.8K (+2.6%) 4.33% +0.286 pp 0.00% +0.000 pp USD37.25 -36.3% 54 qtrs
2 BLACKROCK, INC. 195.7K +34.8K (+21.6%) 4.64M +659.4K (+16.5%) 4.28% +0.760 pp 0.00% +0.000 pp USD25.85 -8.2% 6 qtrs
3 CARDINAL CAPITAL MANAGEMENT 95.7K -470.0 (-0.5%) 2.27M -110.2K (-4.6%) 2.09% -0.010 pp 0.30% -0.028 pp USD27.64 -14.1% 43 qtrs
4 GEODE CAPITAL MANAGEMENT, LLC 87.3K +1.2K (+1.5%) 2.07M -59.0K (-2.8%) 1.91% +0.027 pp 0.00% +0.000 pp USD32.36 -26.7% 39 qtrs
5 NORTHERN TRUST CORP 45.0K -957.0 (-2.1%) 1.07M -70.1K (-6.2%) 0.98% -0.021 pp 0.00% +0.000 pp USD30.08 -21.1% 39 qtrs
6 DIMENSIONAL FUND ADVISORS LP 41.1K +62.0 (+0.2%) 974.1K -41.0K (-4.0%) 0.90% +0.001 pp 0.00% +0.000 pp USD23.93 -0.8% 51 qtrs
7 SPEARS ABACUS ADVISORS LLC 40.2K -1.9K (-4.5%) 953.2K -88.7K (-8.5%) 0.88% -0.042 pp 0.02% -0.002 pp USD16.09 +47.5% 66 qtrs
8 STATE STREET CORP 37.3K +649.0 (+1.8%) 884.5K -22.3K (-2.5%) 0.82% +0.014 pp 0.00% +0.000 pp USD28.17 -15.8% 19 qtrs
9 LPL FINANCIAL LLC 30.1K -1.1K (-3.7%) 715.0K -59.4K (-7.7%) 0.66% -0.025 pp 0.00% +0.000 pp USD23.35 +1.6% 22 qtrs
10 TRUST CO OF VERMONT 29.3K +— (+0.0%) 695.8K -30.2K (-4.2%) 0.64% +0.000 pp 0.03% -0.003 pp USD30.39 -21.9% 51 qtrs
11 MORGAN STANLEY 20.8K +6.4K (+44.2%) 493.4K +136.4K (+38.2%) 0.45% +0.139 pp 0.00% +0.000 pp USD27.22 -12.8% 49 qtrs
12 RENAISSANCE TECHNOLOGIES LLC 18.0K -981.0 (-5.2%) 427.9K -42.9K (-9.1%) 0.39% -0.022 pp 0.00% +0.000 pp USD29.98 -20.8% 35 qtrs
13 GOLDMAN SACHS GROUP INC 13.1K +13.1K (+100.0%) 310.8K +310.8K (+100.0%) 0.29% +0.286 pp 0.00% +0.000 pp USD23.73 +0.0% 1 qtrs NEW
14 CITADEL ADVISORS LLC 13.0K +3.0K (+29.7%) 308.4K +60.2K (+24.3%) 0.28% +0.065 pp 0.00% +0.000 pp USD24.52 -3.2% 2 qtrs
15 CHARLES SCHWAB INVESTMENT MANAGEMENT INC 11.2K +— (+0.0%) 266.0K -11.5K (-4.2%) 0.25% +0.000 pp 0.00% +0.000 pp USD26.62 -10.9% 3 qtrs
16 BARCLAYS PLC 8.5K +7.7K (+927.9%) 202.7K +181.2K (+840.7%) 0.19% +0.169 pp 0.00% +0.000 pp USD24.01 -1.2% 6 qtrs
17 BANK OF AMERICA CORP /DE/ 5.3K +454.0 (+9.4%) 125.9K +5.8K (+4.8%) 0.12% +0.010 pp 0.00% +0.000 pp USD27.08 -12.4% 52 qtrs
18 WELLS FARGO & COMPANY/MN 4.8K +1.7K (+56.4%) 112.9K +37.6K (+49.9%) 0.10% +0.038 pp 0.00% +0.000 pp USD24.88 -4.6% 38 qtrs
19 DEUTSCHE BANK AG\ 4.6K -92.0 (-2.0%) 109.3K -7.0K (-6.0%) 0.10% -0.002 pp 0.00% +0.000 pp USD24.76 -4.2% 2 qtrs
20 NEW YORK STATE COMMON RETIREMENT FUND 2.9K +— (+0.0%) 68.8K -3.0K (-4.2%) 0.06% +0.000 pp 0.00% +0.000 pp USD26.62 -10.9% 3 qtrs
21 RHUMBLINE ADVISERS 2.5K -768.0 (-23.8%) 58.4K -21.6K (-27.0%) 0.05% -0.017 pp 0.00% +0.000 pp USD26.62 -10.9% 3 qtrs
22 KESTRA ADVISORY SERVICES, LLC 1.8K +1.8K (+100.0%) 42.4K +42.4K (+100.0%) 0.04% +0.039 pp 0.00% +0.000 pp USD23.73 +0.0% 1 qtrs NEW
23 MIRAE ASSET GLOBAL ETFS HOLDINGS LTD. 1.8K +44.0 (+2.5%) 42.2K -742.0 (-1.7%) 0.04% +0.001 pp 0.00% +0.000 pp USD26.55 -10.6% 3 qtrs
24 JPMORGAN CHASE & CO 1.5K -234.0 (-13.9%) 34.5K -7.3K (-17.4%) 0.03% -0.005 pp 0.00% +0.000 pp USD26.63 -10.9% 11 qtrs
25 POLICE & FIREMEN'S RETIREMENT SYSTEM OF NEW JERSEY 1.2K +— (+0.0%) 28.5K -1.2K (-4.2%) 0.03% +0.000 pp 0.00% +0.000 pp USD24.76 -4.2% 2 qtrs
26 UBS GROUP AG 1.2K -538.0 (-31.4%) 27.9K -14.5K (-34.3%) 0.03% -0.012 pp 0.00% +0.000 pp USD30.59 -22.4% 12 qtrs
27 BNP PARIBAS ARBITRAGE, SNC 1.1K +365.0 (+49.5%) 26.2K +7.9K (+43.2%) 0.02% +0.008 pp 0.00% +0.000 pp USD25.91 -8.4% 39 qtrs
28 FMR LLC 647.00 -191.6K (-99.7%) 15.4K -4.7M (-99.7%) 0.01% -4.190 pp 0.00% 0.000 pp USD29.44 -19.4% 21 qtrs
29 TOWER RESEARCH CAPITAL LLC (TRC) 455.00 -312.0 (-40.7%) 10.8K -8.2K (-43.1%) 0.01% -0.007 pp 0.00% 0.000 pp USD24.76 -4.2% 31 qtrs
30 CLEAN YIELD GROUP 450.00 +— (+0.0%) 10.7K -463.0 (-4.2%) 0.01% +0.000 pp 0.00% 0.000 pp USD36.20 -34.4% 29 qtrs
31 LEGAL & GENERAL GROUP PLC 400.00 +— (+0.0%) 9.5K -412.0 (-4.2%) 0.01% +0.000 pp 0.00% +0.000 pp USD26.62 -10.9% 3 qtrs
32 EMPOWERED FUNDS, LLC 400.00 +400.0 (+100.0%) 9.5K +9.5K (+100.0%) 0.01% +0.009 pp 0.00% +0.000 pp USD23.73 +0.0% 1 qtrs NEW
33 RUSSELL INVESTMENTS GROUP, LTD. 399.00 -2.1K (-84.3%) 9.5K -53.5K (-85.0%) 0.01% -0.047 pp 0.00% 0.000 pp USD24.76 -4.2% 2 qtrs
34 AMERITAS INVESTMENT PARTNERS, INC. 372.00 +— (+0.0%) 8.8K -383.0 (-4.2%) 0.01% +0.000 pp 0.00% +0.000 pp USD26.62 -10.9% 3 qtrs
35 CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM 223.00 -4.0 (-1.8%) 5.3K -329.0 (-5.9%) 0.00% 0.000 pp 0.00% +0.000 pp USD26.61 -10.8% 3 qtrs
36 ROYAL BANK OF CANADA 157.00 +96.0 (+157.4%) 4.0K +2.0K (+100.0%) 0.00% +0.002 pp 0.00% +0.000 pp USD24.13 -1.7% 2 qtrs
37 AMALGAMATED BANK 114.00 -10.0 (-8.1%) 3.0K +— (+0.0%) 0.00% 0.000 pp 0.00% +0.000 pp USD26.61 -10.8% 3 qtrs
38 1620 INVESTMENT ADVISORS, INC. 120.00 +— (+0.0%) 2.8K -123.0 (-4.1%) 0.00% +0.000 pp 0.00% 0.000 pp USD21.05 +12.7% 7 qtrs
39 CITIGROUP INC 83.00 -68.0 (-45.0%) 2.0K -1.8K (-47.3%) 0.00% -0.002 pp 0.00% +0.000 pp USD30.64 -22.6% 9 qtrs
40 FARTHER FINANCE ADVISORS, LLC 62.00 +2.0 (+3.3%) 1.5K -15.0 (-1.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD24.71 -4.0% 2 qtrs
41 CWM, LLC 44.00 +18.0 (+69.2%) 1.0K +— (+0.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD24.32 -2.4% 2 qtrs
42 STERLING CAPITAL MANAGEMENT LLC 38.00 +14.0 (+58.3%) 902.00 +308.0 (+51.9%) 0.00% +0.000 pp 0.00% +0.000 pp USD25.03 -5.2% 3 qtrs
43 SBI SECURITIES CO., LTD. 23.00 -1.0 (-4.2%) 546.00 -48.0 (-8.1%) 0.00% +0.000 pp 0.00% +0.000 pp USD28.74 -17.4% 5 qtrs
44 PNC FINANCIAL SERVICES GROUP, INC. 11.00 +4.0 (+57.1%) 261.00 +88.0 (+50.9%) 0.00% +0.000 pp 0.00% +0.000 pp USD24.27 -2.2% 2 qtrs
45 MAI CAPITAL MANAGEMENT 1.00 +1.0 (+100.0%) 24.00 +24.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD23.00 +3.2% 1 qtrs NEW
46 IFP ADVISORS, INC 1.00 +— (+0.0%) 24.00 -1.0 (-4.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD24.00 -1.1% 2 qtrs
47 EVERSOURCE WEALTH ADVISORS, LLC 1.00 +1.0 (+100.0%) 24.00 +24.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD23.00 +3.2% 1 qtrs NEW
48 SRS CAPITAL ADVISORS, INC. -32.0 (-100.0%) -793.0 (-100.0%) 0.00% -0.001 pp 0.00% +0.000 pp USD 2 qtrs SOLD
49 LORING WOLCOTT & COOLIDGE FIDUCIARY ADVISORS LLP/MA -775.0 (-100.0%) -19.5K (-100.0%) 0.00% -0.017 pp 0.00% 0.000 pp USD 12 qtrs SOLD
50 TRUE WEALTH DESIGN, LLC -1.0 (-100.0%) -25.0 (-100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD 2 qtrs SOLD
51 TRUEMARK INVESTMENTS, LLC -15.0K (-100.0%) -370.4K (-100.0%) 0.00% -0.327 pp 0.00% -0.064 pp USD 2 qtrs SOLD
52 BANK OF NEW YORK MELLON CORP -8.5K (-100.0%) -211.0K (-100.0%) 0.00% -0.186 pp 0.00% +0.000 pp USD 2 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 24 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares Micro-Cap ETF IWC 0.02% 334.6K 0.60%
2 U.S. Micro Cap Portfolio ETF DFMC 0.00% 383.8K 0.43%
3 Vanguard Russell 2000 Growth ETF VTWG 0.00% 76.0K 0.06%
4 Vanguard Russell 2000 ETF VTWO 0.00% 426.8K 0.06%
5 Vanguard Extended Market ETF VXF 0.00% 951.9K 0.05%
6 Dimensional - US Sustainability Core 1 ETF DFSU 0.00% 10.1K 0.15%
7 EA Bridgeway Omni Small-Cap Value ETF BSVO 0.00% 7.2K 0.47%
8 Dimensional - US Core Equity 1 ETF DCOR 0.00% 13.7K 0.14%
9 Dimensional - US Targeted Value ETF DFAT 0.00% 25.8K 0.28%
10 Vanguard Russell 3000 ETF VTHR 0.00% 8.9K 0.06%

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
7
Sells
0
Shares acquired
15.3K
Shares disposed
Cash buys
Cash sales
Net activity
+15,318
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2026-05-04 Weidley Jeffrey F Officer Common Stock 0 0.00 0 D
2026-03-11 Silverman David Scott Director / Officer A-Award A Common Stock 6,153 0.00 45,864 D
2026-03-11 Locklin Carrie R Officer A-Award A Common Stock 920 0.00 3,273 D
2026-03-11 Kendall Stephen H Officer A-Award A Common Stock 2,301 0.00 11,496 D
2026-03-11 Hale Karyn J Officer A-Award A Common Stock 2,939 0.00 11,749 D
2026-03-11 Gould Jonathan Jay Officer A-Award A Common Stock 2,750 0.00 14,830 D
2026-02-05 Kendall Stephen H Officer J-Other A Common Stock 106 24.74 2.6K 9,195 D
2026-02-05 Gould Jonathan Jay Officer J-Other A Common Stock 150 24.74 3.7K 12,080 D
2026-01-21 Cote Steven P Director Common Stock 0 0.00 100 D
2025-12-31 Van Dyke Cornelius John Director / Officer Common Stock 0 0.00 400 I
2025-12-31 Parent Mary K Director 0 0.00 0
2025-12-16 Silverman David Scott Director / Officer F-InKind D Common Stock 454 23.13 10.5K 39,711 D
2025-12-16 Schoenig Vincent W Officer F-InKind D Common Stock 727 23.13 16.8K 4,636 D
2025-12-16 Locklin Carrie R Officer F-InKind D Common Stock 178 23.13 4.1K 2,353 D
2025-12-16 Kendall Stephen H Officer F-InKind D Common Stock 488 23.13 11.3K 9,089 D
2025-12-16 Hogan Patricia N Officer F-InKind D Common Stock 482 23.13 11.1K 9,441 D
2025-12-16 Hale Karyn J Officer F-InKind D Common Stock 726 23.13 16.8K 8,810 D
2025-12-16 Gould Jonathan Jay Officer F-InKind D Common Stock 468 23.13 10.8K 11,930 D
2025-11-19 Frame Walter B III Director Common Stock 0 0.00 1,000 D
2025-11-06 Schoenig Vincent W Officer J-Other A Common Stock 36 23.42 843.55 5,363 D
2025-11-06 Kendall Stephen H Officer J-Other A Common Stock 93 23.42 2.2K 9,576 D
2025-11-06 Hogan Patricia N Officer J-Other A Common Stock 96 23.42 2.3K 9,913 D
2025-11-06 Gould Jonathan Jay Officer J-Other A Common Stock 134 23.42 3.1K 12,398 D
2025-08-07 Schoenig Vincent W Officer J-Other A Common Stock 31 27.30 832.66 5,327 D
2025-08-07 Kendall Stephen H Officer J-Other A Common Stock 79 27.30 2.2K 9,483 D
2025-08-07 Hogan Patricia N Officer P-Purchase A Common Stock 8 27.01 210.65 9,817 D
2025-08-07 Gould Jonathan Jay Officer J-Other A Common Stock 113 27.30 3.1K 12,265 D
2025-05-21 Van Dyke Cornelius John Director / Officer A-Award A Common Stock 452 0.00 4,637 D
2025-05-21 Sargent Timothy Willis Director / Officer A-Award A Common Stock 452 0.00 4,064 D
2025-05-21 Sargent Gregory D Director A-Award A Common Stock 452 0.00 2,252 D
2025-05-21 SPITLER JANET P Director A-Award A Common Stock 452 0.00 1,692 D
2025-05-21 Putnam Nancy C Director A-Award A Common Stock 452 0.00 4,659 D
2025-05-21 Parent Mary K Director A-Award A Common Stock 452 0.00 1,503 D
2025-05-21 Bugbee Dawn D Director A-Award A Common Stock 452 0.00 5,393 D
2025-05-21 BOURASSA JOEL S Director A-Award A Common Stock 452 0.00 2,302 D
2025-05-01 Van Dyke Cornelius John Director / Officer J-Other A Common Stock 15 33.11 502.41 4,185 D
2025-05-01 Schoenig Vincent W Officer J-Other A Common Stock 25 33.11 823.88 5,297 D
2025-05-01 Kendall Stephen H Officer J-Other A Common Stock 64 33.11 2.1K 9,405 D
2025-05-01 Hogan Patricia N Officer P-Purchase A Common Stock 6 34.67 208.47 9,728 D
2025-05-01 Gould Jonathan Jay Officer J-Other A Common Stock 92 33.11 3.1K 12,152 D
2025-02-26 Silverman David Scott Director / Officer A-Award A Common Stock 4,528 0.00 40,165 D
2025-02-26 Schoenig Vincent W Officer A-Award A Common Stock 1,694 0.00 5,272 D
2025-02-26 Locklin Carrie R Officer A-Award A Common Stock 643 0.00 2,532 D
2025-02-26 Kendall Stephen H Officer A-Award A Common Stock 1,694 0.00 9,340 D
2025-02-26 Jacques Lura L Officer A-Award A Common Stock 446 0.00 1,874 D
2025-02-26 Hogan Patricia N Officer A-Award A Common Stock 1,694 0.00 9,655 D
2025-02-26 Hale Karyn J Officer A-Award A Common Stock 2,048 0.00 9,536 D
2025-02-26 Gould Jonathan Jay Officer A-Award A Common Stock 2,024 0.00 12,059 D
2025-02-06 Van Dyke Cornelius John Director / Officer J-Other A Common Stock 16 31.17 496.66 4,170 D
2025-02-06 Schoenig Vincent W Officer J-Other A Common Stock 26 31.17 814.45 3,578 D
2025-02-06 Kendall Stephen H Officer J-Other A Common Stock 68 31.17 2.1K 7,646 D
2025-02-06 Jacques Lura L Officer J-Other A Common Stock 12 31.17 385.40 1,428 D
2025-02-06 Hogan Patricia N Officer J-Other A Common Stock 70 31.17 2.2K 7,955 D
2025-02-06 Gould Jonathan Jay Officer J-Other A Common Stock 97 31.17 3.0K 10,035 D
2024-12-31 Van Dyke Cornelius John Director / Officer Common Stock 0 0.00 4,154 D
2024-12-31 Silverman David Scott Director / Officer Common Stock 0 0.00 35,637 D
2024-12-31 Schoenig Vincent W 0 0.00 0
2024-12-31 Locklin Carrie R 0 0.00 0
2024-12-31 Kendall Stephen H 0 0.00 0
2024-12-31 Jacques Lura L 0 0.00 0
2024-12-31 Hogan Patricia N 0 0.00 0
2024-12-31 Hale Karyn J Officer 0 0.00 0
2024-12-31 Gould Jonathan Jay 0 0.00 0
2024-05-15 Van Dyke Cornelius John Director / Officer A-Award A Common Stock 467 0.00 4,118
2024-05-15 Sargent Timothy Willis Director / Officer A-Award A Common Stock 467 0.00 3,612
2024-05-15 Sargent Gregory D Director A-Award A Common Stock 467 0.00 1,800
2024-05-15 SPITLER JANET P Director A-Award A Common Stock 467 0.00 1,240
2024-05-15 Putnam Nancy C Director A-Award A Common Stock 467 0.00 4,207
2024-05-15 Parent Mary K Director A-Award A Common Stock 467 0.00 1,051
2024-05-15 Bugbee Dawn D Director A-Award A Common Stock 467 0.00 4,941
2024-05-15 BOURASSA JOEL S Director A-Award A Common Stock 467 0.00 1,850
2024-05-02 Van Dyke Cornelius John Director / Officer J-Other A Common Stock 11 27.42 305.22 3,651
2024-02-29 Silverman David Scott Director / Officer A-Award A Common Stock 4,980 0.00 37,272
2024-02-29 Schoenig Vincent W Officer A-Award A Common Stock 1,862 0.00 4,030
2024-02-29 Locklin Carrie R Officer A-Award A Common Stock 693 0.00 2,104
2024-02-29 Kendall Stephen H Officer A-Award A Common Stock 1,862 0.00 7,931
2024-02-29 Jacques Lura L Officer A-Award A Common Stock 490 0.00 1,550
2024-02-29 Hogan Patricia N Officer A-Award A Common Stock 1,862 0.00 7,985
2024-02-29 Hale Karyn J Officer A-Award A Common Stock 2,252 0.00 8,348
2024-02-29 Gould Jonathan Jay Officer A-Award A Common Stock 2,226 0.00 10,187
2024-02-22 Parent Mary K Director P-Purchase A Common Stock 100 31.15 3.1K 584
2024-02-01 Van Dyke Cornelius John Director / Officer J-Other A Common Stock 10 30.44 301.68 3,640
2024-02-01 Kendall Stephen H Officer J-Other A Common Stock 52 30.44 1.6K 6,069
2024-02-01 Hogan Patricia N Officer J-Other A Common Stock 52 30.44 1.6K 6,123
2024-02-01 Gould Jonathan Jay Officer J-Other A Common Stock 76 30.44 2.3K 7,961
2023-12-31 Van Dyke Cornelius John Director / Officer D Common Stock 0 0.00 3,630
2023-12-20 Silverman David Scott Director / Officer F-InKind D Common Stock 1,394 30.10 42.0K 32,292
2023-12-20 Schoenig Vincent W F-InKind D Common Stock 376 30.10 11.3K 2,168
2023-12-20 Locklin Carrie R F-InKind D Common Stock 180 30.10 5.4K 1,411
2023-12-20 Kendall Stephen H F-InKind D Common Stock 471 30.10 14.2K 6,017
2023-12-20 Jacques Lura L F-InKind D Common Stock 156 30.10 4.7K 1,060
2023-12-20 Hogan Patricia N F-InKind D Common Stock 433 30.10 13.0K 6,064
2023-12-20 Hale Karyn J Officer F-InKind D Common Stock 588 30.10 17.7K 6,096
2023-12-20 Gould Jonathan Jay F-InKind D Common Stock 462 30.10 13.9K 7,885
2023-11-02 Schoenig Vincent W J-Other A Common Stock 5 23.15 111.96 2,544
2023-11-02 Kendall Stephen H J-Other A Common Stock 191 22.16 4.2K 6,488
2023-11-02 Jacques Lura L J-Other A Common Stock 24 22.16 538.46 1,215
2023-11-02 Hogan Patricia N P-Purchase A Common Stock 7 26.20 192.83 6,497
2023-11-02 Gould Jonathan Jay J-Other A Common Stock 289 22.16 6.4K 8,347
2023-09-13 Silverman David Scott Director / Officer P-Purchase A Common Stock 500 20.11 10.1K 28,591
2023-09-13 Bugbee Dawn D Director P-Purchase A Common Stock 300 20.89 6.3K 4,508
2023-08-03 Silverman David Scott Director / Officer J-Other A Common Stock 471 0.00 28,091
2023-08-03 Hogan Patricia N P-Purchase A Common Stock 7 22.88 167.25 6,490
2023-05-17 Van Dyke Cornelius John Director / Officer A-Award A Common Stock 484 20.69 10.0K 3,605
2023-05-17 Sargent Timothy Willis Director / Officer A-Award A Common Stock 484 20.69 10.0K 3,145
2023-05-17 Sargent Gregory D Director A-Award A Common Stock 484 20.69 10.0K 1,333
2023-05-17 SPITLER JANET P Director A-Award A Common Stock 484 20.69 10.0K 773
2023-05-17 Putnam Nancy C Director A-Award A Common Stock 484 20.69 10.0K 3,740
2023-05-17 Parent Mary K Director A-Award A Common Stock 484 20.69 10.0K 484
2023-05-17 Bugbee Dawn D Director A-Award A Common Stock 484 20.69 10.0K 4,208
2023-05-17 BOURASSA JOEL S Director A-Award A Common Stock 484 20.69 10.0K 1,383
2023-05-04 Van Dyke Cornelius John Director / Officer J-Other A Common Stock 10 22.16 221.23 3,121
2023-05-04 Hogan Patricia N P-Purchase A Common Stock 9 21.48 186.88 6,482
2023-03-13 Bugbee Dawn D Director P-Purchase A Common Stock 230 20.39 4.7K 4,474
2023-02-08 Silverman David Scott Director / Officer A-Award A Common Stock 5,077 0.00 33,686
2023-02-08 Schoenig Vincent W A-Award A Common Stock 1,743 0.00 2,539
2023-02-08 Locklin Carrie R A-Award A Common Stock 684 0.00 1,592
2023-02-08 Kendall Stephen H A-Award A Common Stock 1,766 0.00 6,297
2023-02-08 Jacques Lura L A-Award A Common Stock 501 0.00 1,191
2023-02-08 Hogan Patricia N A-Award A Common Stock 1,627 0.00 6,268
2023-02-08 Hale Karyn J Officer A-Award A Common Stock 2,137 0.00 6,684
2023-02-08 Gould Jonathan Jay A-Award A Common Stock 2,129 0.00 8,057
2023-02-02 Van Dyke Cornelius John Director / Officer J-Other A Common Stock 8 26.08 218.26 3,111
2023-02-02 Hogan Patricia N P-Purchase A Common Stock 7 26.00 184.34 6,474
2022-12-31 Van Dyke Cornelius John Director / Officer I Common Stock 0 0.00 400
2022-12-31 Kendall Stephen H 0 0.00 0
2022-12-31 Jacques Lura L 0 0.00 0
2022-12-31 Hogan Patricia N 0 0.00 0
2022-12-31 Gould Jonathan Jay 0 0.00 0
2022-12-16 Silverman David Scott Officer F-InKind D Common Stock 407 23.02 9.4K 25,986
2022-12-16 Schoenig Vincent W Director F-InKind D Common Stock 323 23.02 7.4K 796
2022-12-16 Locklin Carrie R Director F-InKind D Common Stock 143 23.02 3.3K 908
2022-12-16 Kendall Stephen H Director F-InKind D Common Stock 409 23.02 9.4K 4,425
2022-12-16 Jacques Lura L Director F-InKind D Common Stock 112 23.02 2.6K 684
2022-12-16 Hogan Patricia N Director F-InKind D Common Stock 381 23.02 8.8K 4,509
2022-12-16 Hale Karyn J Officer F-InKind D Common Stock 536 23.02 12.3K 4,547
2022-12-16 Gould Jonathan Jay Director F-InKind D Common Stock 413 23.02 9.5K 5,761
2022-11-10 Putnam Nancy C Director P-Purchase A Common Stock 60 24.38 1.5K 2,816
2022-05-18 Silverman David Scott Officer A-Award A Common Stock 2,450 0.00 26,393
2022-05-18 Schoenig Vincent W Director A-Award A Common Stock 1,119 0.00 1,119
2022-05-18 Sargent Timothy Willis Officer A-Award A Common Stock 189 28.96 5.5K 2,661
2022-05-18 Sargent Gregory D Director A-Award A Common Stock 189 28.96 5.5K 849
2022-05-18 SPITLER JANET P Director A-Award A Common Stock 189 28.96 5.5K 289
2022-05-18 Putnam Nancy C Director A-Award A Common Stock 189 28.96 5.5K 2,756
2022-05-18 Locklin Carrie R Director A-Award A Common Stock 548 0.00 1,051
2022-05-18 Kendall Stephen H Director A-Award A Common Stock 1,368 0.00 4,834
2022-05-18 Jacques Lura L Director A-Award A Common Stock 405 0.00 796
2022-05-18 Hogan Patricia N Director A-Award A Common Stock 1,235 0.00 4,890
2022-05-18 Hale Karyn J Officer A-Award A Common Stock 1,720 0.00 5,083
2022-05-18 Gould Jonathan Jay Director A-Award A Common Stock 1,673 0.00 6,174
2022-05-18 Bugbee Dawn D Director A-Award A Common Stock 189 28.96 5.5K 3,090
2022-05-18 BOURASSA JOEL S Director A-Award A Common Stock 189 28.96 5.5K 899
2022-05-10 Van Dyke Cornelius John Officer A-Award A Common Stock 189 28.96 5.5K 3,052
2022-02-07 Silverman David Scott Director / Officer S-Sale D Common Stock 1,000 31.02 31.0K 0
2021-12-31 Van Dyke Cornelius John Director / Officer I Common Stock 0 0.00 400
2021-12-31 Kendall Stephen H 0 0.00 0
2021-12-31 Hogan Patricia N 0 0.00 0
2021-12-31 Gould Jonathan Jay 0 0.00 0
2021-12-31 Bugbee Dawn D Director 0 0.00 0
2021-12-15 Silverman David Scott Director / Officer F-InKind D Common Stock 1,514 0.00 23,754
2021-12-15 Locklin Carrie R F-InKind D Common Stock 73 30.20 2.2K 503
2021-12-15 Kendall Stephen H F-InKind D Common Stock 319 30.20 9.6K 3,411
2021-12-15 Jacques Lura L F-InKind D Common Stock 71 30.20 2.1K 391
2021-12-15 Hogan Patricia N F-InKind D Common Stock 300 30.20 9.1K 3,571
2021-12-15 Hale Karyn J Officer F-InKind D Common Stock 421 30.20 12.7K 3,363
2021-12-15 Gould Jonathan Jay F-InKind D Common Stock 329 30.20 9.9K 4,407
2021-12-15 COSLETT JEFFREY G Officer F-InKind D Common Stock 326 30.20 9.8K 8,817
2021-12-13 Putnam Nancy C Director P-Purchase A Common Stock 447 30.50 13.6K 2,567
2021-12-10 Putnam Nancy C Director P-Purchase A Common Stock 53 30.50 1.6K 2,120
2021-11-23 Silverman David Scott Director / Officer M-Exempt A Stock Option Right to Buy Common Stock 1,000 24.00 24.0K 0
2021-09-23 Sargent Gregory D Director P-Purchase A Common Stock 500 31.00 15.5K 660
2021-09-13 Silverman David Scott Director / Officer G-Gift D Common Stock 909 32.69 29.7K 24,268
2021-08-04 Schoenig Vincent W Director D Common Stock 0 0.00 0
2021-07-01 Silverman David Scott Director / Officer M-Exempt A Common Stock 1,000 24.00 24.0K 25,177
2021-06-03 SPITLER JANET P P-Purchase A Common Stock 100 34.85 3.5K 100
2021-05-19 Van Dyke Cornelius John Director / Officer A-Award A Common Stock 160 33.29 5.3K 2,710
2021-05-19 Sargent Timothy Willis Director / Officer A-Award A Common Stock 160 33.29 5.3K 2,472
2021-05-19 Sargent Gregory D Director D Common Stock 0 0.00 0
2021-05-19 STEEL JOHN H Director / Officer A-Award A Common Stock 160 33.29 5.3K 7,567
2021-05-19 SPITLER JANET P D Common Stock 0 0.00 0
2021-05-19 Putnam Nancy C Director A-Award A Common Stock 160 33.29 5.3K 2,067
2021-05-19 Goodrich John M Director A-Award A Common Stock 160 33.29 5.3K 1,667
2021-05-19 Bugbee Dawn D Director A-Award A Common Stock 160 33.29 5.3K 2,801
2021-05-19 BOURASSA JOEL S Director A-Award A Common Stock 160 33.29 5.3K 710
2021-04-12 Silverman David Scott Director / Officer M-Exempt A Common Stock 500 24.00 12.0K 24,177
2021-03-31 Silverman David Scott Director / Officer M-Exempt A Common Stock 500 24.00 12.0K 23,677
2021-02-17 Silverman David Scott Director / Officer A-Award A Common Stock 1,871 0.00 20,446
2021-02-17 Locklin Carrie R Officer A-Award A Common Stock 234 0.00 234 D
2021-02-17 Kendall Stephen H A-Award A Common Stock 580 0.00 2,883
2021-02-17 Jacques Lura L A-Award A Common Stock 274 0.00 462
2021-02-17 Hogan Patricia N A-Award A Common Stock 809 0.00 3,871
2021-02-17 Hofmann Robert D A-Award A Common Stock 626 0.00 5,787
2021-02-17 Hale Karyn J Officer A-Award A Common Stock 1,161 0.00 3,784
2021-02-17 Gould Jonathan Jay A-Award A Common Stock 745 0.00 3,650
2021-02-17 COSLETT JEFFREY G Officer A-Award A Common Stock 604 0.00 8,262
2020-12-31 Van Dyke Cornelius John Director / Officer I Common Stock 0 0.00 400
2020-12-31 Silverman David Scott Director / Officer I Common Stock 0 0.00 1,000
2020-12-31 SARGENT RICHARD C 10% Owner I Common Stock 0 0.00 10,721
2020-12-31 Locklin Carrie R A-Award A Common Stock 234 0.00 234
2020-12-31 Kendall Stephen H D Common Stock 0 0.00 2,430

Executive team

Top executives
EBIT / Employee
63.0K
Shares Outstanding
4.61M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2013 David S. Silverman President and Director of the Company and Union Bank, Chief Executive Officer from May 16, 2012 259.4K 10.6K 36.1K 35.3K 341.4K 3.09%
2 2013 Marsha A. Mongeon Vice President, Treasurer and Chief Financial Officer of the Company and Senior Vice President and Treasurer of Union Bank 167.9K 5.3K 15.6K 18.6K 207.4K 2.55%
3 2013 Jeffrey G. Coslett 116.0K 5.3K 10.7K 11.6K 143.7K 3.68%
4 2012 David S. Silverman President and Director of the Company and Union Bank, Chief Executive Officer from May 16, 2012 232.3K 2.0K 6.2K 34.4K 24.8K 299.7K 2.06%
5 2012 Marsha A. Mongeon Vice President, Treasurer and Chief Financial Officer of the Company and Senior Vice President and Treasurer of Union Bank 163.0K 1.8K 3.1K 16.6K 12.4K 196.8K 1.57%
6 2012 Kenneth D. Gibbons Chief Executive Officer until May 16, 2012, Chairman of the Board and Director of the Company and Union Bank 141.6K 21.5K 27.7K 190.8K 0.00%
7 2011 Kenneth D. Gibbons Chief Executive Officer, Chairman of the Board and Director of the Company and Union Bank 261.4K 16.3K 277.8K 0.00%
8 2011 Kenneth D. Gibbons Chief Executive Officer until May 16, 2012, Chairman of the Board and Director of the Company and Union Bank 261.4K 16.3K 277.8K 0.00%
9 2011 David S. Silverman President and Director of the Company and Union Bank, Chief Executive Officer from May 16, 2012 177.5K 3.5K 7.8K 10.1K 198.9K 3.92%
10 2011 David S. Silverman President and Director of the Company and Union Bank 177.5K 3.5K 7.8K 10.1K 198.9K 3.92%
11 2011 Marsha A. Mongeon Vice President, Treasurer and Chief Financial Officer of the Company and Senior Vice President and Treasurer of Union Bank 144.9K 3.5K 7.8K 4.3K 160.6K 4.86%
12 2010 Kenneth D. Gibbons Chief Executive Officer, Chairman of the Board and Director of the Company and Union Bank 250.0K 21.8K 12.5K 15.6K 301.6K 4.15%
13 2010 Kenneth D. Gibbons President, Chief Executive 250.0K 21.8K 12.5K 15.6K 301.6K 4.15%
14 2010 Marsha A. Mongeon Vice President, Treasurer and Chief Financial Officer of the Company and Senior Vice President and Treasurer of Union Bank 137.6K 3.5K 6.3K 4.1K 166.9K 3.75%
15 2010 David S. Silverman Vice President of the Company 136.2K 3.5K 6.3K 4.1K 150.0K 4.17%
16 2010 David S. Silverman President and Director of the Company and Union Bank 136.2K 3.5K 6.3K 4.1K 150.0K 4.17%
17 2009 Kenneth D. Gibbons President, Chief Executive 240.3K 5.8K 15.2K 263.1K 2.21%
18 2009 Marsha A. Mongeon Vice President, Treasurer and 133.4K 2.9K 4.0K 155.7K 1.87%
19 2009 David S. Silverman Vice President of the Company 130.9K 2.9K 3.9K 137.7K 2.11%
20 2008 Kenneth D. Gibbons President, Chief Executive 230.5K 24.4K 14.9K 294.4K 0.00%
21 2008 Marsha A. Mongeon Vice President, Treasurer and 122.7K 6.7K 3.8K 215.6K 0.00%
22 2008 David S. Silverman Vice President of the Company 116.5K 6.5K 3.6K 126.6K 0.00%
23 2007 Kenneth D. Gibbons President, Chief Executive 221.7K 31.6K 3.6K 13.2K 300.7K 1.19%
24 2007 Marsha A. Mongeon Vice President, Treasurer and 118.0K 6.5K 448.00 3.7K 130.7K 0.34%
25 2007 David S. Silverman Vice President of the Company 112.0K 6.3K 448.00 3.6K 122.3K 0.37%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-04-08 DEFA14A
2026-04-08 DEF 14A
2025-04-10 DEFA14A
2025-04-10 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-08 10-Q
2026-05-07 8-K
2026-05-07 3
2026-04-17 8-K/A
2026-04-15 8-K
2026-04-08 DEFA14A
2026-04-08 DEF 14A
2026-03-24 8-K
2026-03-20 10-K
2026-03-11 4

Executive team

NameTitleCompensationGender
David Scott Silverman President, Chief Executive Officer & Director 737.3K male
Karyn J. Hale Vice President, Treasurer & Chief Financial Officer 415.5K female
Jonathan Jay Gould Executive Vice President & Senior Commercial Loan Officer of Union Bank 390.3K male
Timothy Willis Sargent Independent Vice Chairman & Secretary 52.9K male
Kristy Adams Alfieri Assistant Secretary female
Patricia N. Hogan Executive Vice President & Senior Risk Officer of Union Bank female
ESG Rating
C+
BANKS - REGIONAL
2023
E (Environmental)
62.2 / 64.3
Company / Sector avg.
S (Social)
66.2 / 76.5
Company / Sector avg.
G (Governance)
63.1 / 75.5
Company / Sector avg.
ESG Total
63.8 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits