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Union Bankshares Inc Stock: price and insider trades · United States
3 insiders bought €37k of shares over the last 90 days, the latest by Cote Steven P, filed 15 Oct 2026.
Union Bankshares Inc: what insiders have been doing
Union Bankshares Inc belongs to the Finance & Banking sector. Filings by its managers are published through SEC (Form 4). The last twelve months, up to 24 October 2026, brought 40 filings signed by 9 insiders.
Every open-market trade in the period is a purchase: 8 purchases worth €38k, from 4 insiders, and not a single sale. Buying on the open market means paying the going price with one's own funds, a different act from receiving shares as pay. On the buying side, the filings list 3 senior executives among the declarants. One trade stands out by size: a purchase of €20k from Silverman David Scott, disclosed on 28 August 2026, or 0.020% of market capitalisation.
Within a 30-day window, 2 purchases overlapped with buying by a second insider. When several insiders buy within a few weeks of each other, analysts speak of a cluster purchase. The clock since the last published purchase (15 October 2026) now reads 9 days. Between a trade and the moment it shows up on SEC (Form 4), the median delay is 34 days. US insiders must file a Form 4 within two business days of a trade.
For context, the typical company on the same exchange (median of 3,169 companies) published 24 filings over the same period, against 40 filings here. Looking back to 2006, when coverage begins, insiders filed 85 purchases and 5 sales. For the fiscal year to 31 December 2025, the annual 10-K puts net income at 11.1 m USD, and the dividend at 1.44 USD per share.
For comparison within the same sector, see the insider buying recorded at BAWAG Group AG and ASR Nederland N.V. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
358
Thresholds
n/a
Buy Volume
€330,508
85 ops. · all time
Sell Volume
€171,515
5 ops. · all time
Who traded when
BuySalePatricia N. Hogan5 buys
Dawn D. Bugbee2 buys
David Scott Silverman1 buy
Steven P. Cote1 buy
Since the insiders bought
- -3.2%Entry US$23.58 · Close 22 Oct 2026 US$22.82
- -2.7%Entry US$23.45 · Close 22 Oct 2026 US$22.82
- -3.0%Entry US$23.52 · Close 22 Oct 2026 US$22.82
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 444 of 26,289 companies
84.7
score / 100
Value86
Quality84
FCF yld14%
Earn yld9.7%
EV/EBITDA·
ROE16%
Gross mgn·
Net mgn21%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$23.04
Analyst consensus
Income statement
RevenueUS$53.2M
Net incomeUS$11.1M21.5% margin
Valuation
PER (trailing)8.8x
P/Book1.4x
Beta0.27
Balance sheet & cash
Market capUS$113.9M
Total debtUS$302.8M
Free Cash FlowUS$16M
Profitability & ownership
ROE15.9%
ROA0.8%
% insiders26.0%
% institutions16.2%
Last declaration on 15 October 2026
Declarations358 total
418 shares@ US$23.7250.0085% mcap100.0% of flowCommon StockSEC:0000706863-26-000085:0
Canonical exit: 16 Dec 2026 (T+90)
1,000 shares@ US$23.760.020% mcap20.0% of flowCommon StockSEC:0000706863-26-000077:0
Canonical exit: 24 Nov 2026 (T+90)
200 shares@ US$23.800.0040% mcap9.8% of flowCommon StockSEC:0000706863-26-000075:0
Canonical exit: 23 Nov 2026 (T+90)
200 shares@ US$23.300.0040% mcap9.8% of flowCommon StockSEC:0000706863-26-000071:0
Canonical exit: 25 Oct 2026 (T+90)
694 sharesCommon StockSEC:0000706863-26-000064:0
694 sharesCommon StockSEC:0000706863-26-000058:0
2,750 sharesCommon StockSEC:0000706863-26-000022:1
2,301 sharesCommon StockSEC:0000706863-26-000026:1
2,301 sharesCommon StockSEC:0000706863-26-000020:2
2,301 sharesCommon StockSEC:0000706863-26-000021:1
8.57 shares@ US$25.280.2% of flowCommon StockSEC:0000706863-26-000020:1
Canonical exit: 6 May 2026 (T+90)
105.781 shares@ US$24.744413.7% of flowCommon StockSEC:0000706863-26-000026:0
149.635 shares@ US$24.744415.9% of flowCommon StockSEC:0000706863-26-000022:0
47.374 shares@ US$24.744439.6% of flowCommon StockSEC:0000706863-26-000021:0
108.58 shares@ US$24.744415.7% of flowCommon StockSEC:0000706863-26-000020:0
920 sharesCommon StockSEC:0000706863-26-000025:0
6,153 sharesCommon StockSEC:0000706863-26-000024:0
2,939 sharesCommon StockSEC:0000706863-26-000023:0
93.11 shares@ US$23.422.3% of flowCommon StockSEC:0000706863-25-000118:2
78.84 shares@ US$27.302.3% of flowCommon StockSEC:0000706863-25-000118:1
487.72 shares@ US$23.1311.9% of flowCommon StockSEC:0000706863-25-000118:3
6.01 shares@ US$34.670.2% of flowCommon StockSEC:0000706863-25-000119:1
Canonical exit: 30 Jul 2025 (T+90)
81.48 shares@ US$27.302.4% of flowCommon StockSEC:0000706863-25-000119:2
7.8 shares@ US$27.010.2% of flowCommon StockSEC:0000706863-25-000119:3
Canonical exit: 5 Nov 2025 (T+90)
96.22 shares@ US$23.422.5% of flowCommon StockSEC:0000706863-25-000119:4
25 of 358 declarations
About Union Bankshares Inc
Union Bankshares, Inc. (ticker: UNB) is a United States banking company listed on the NASDAQ market. It operates as a regional community bank holding company through its wholly owned subsidiary, Union Bank, with a business focus on northern Vermont and northwestern New Hampshire. The franchise is built around traditional relationship banking for households, small businesses, commercial borrowers, and municipal clients, rather than on a broad national footprint. That local orientation is a defining part of the company’s market identity.
The bank traces its roots to 1891, when Union Bank was founded in Morrisville, Vermont. Both the holding company and the bank remain headquartered in Morrisville, which reinforces the institution’s long-standing community presence and continuity. This history matters strategically: for a bank of this size, decades of local familiarity can be a competitive advantage in attracting deposits, underwriting loans, and serving municipal and retail customers who value stability and direct decision-making.
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UNB’s core business lines are conventional but important for regional banking. Its operating model centers on retail banking, commercial banking, and municipal banking, supported by wealth management / asset management services. The product set typically includes deposit accounts, residential mortgage lending, commercial real estate and business lending, and services tailored to local governments and institutions. The company’s branch network is concentrated within its geographic footprint, allowing it to maintain close customer relationships and a high-touch service model.
In competitive terms, Union Bankshares is best viewed as a niche regional lender. It does not compete on scale with the largest U.S. money-center banks; instead, it competes on local knowledge, customer service, balance-sheet discipline, and a stable funding base. In a banking environment shaped by interest-rate volatility, deposit competition, and credit normalization, that type of franchise can be attractive to investors seeking a more conservative regional-bank profile.
Recent company disclosures have highlighted loan growth across residential, commercial, and municipal portfolios, along with balance-sheet repositioning aimed at improving earnings mix and asset sensitivity. Management has also emphasized generally solid asset quality and prudent credit performance. For investors, UNB is a small-cap U.S. bank with a durable local franchise, listed on NASDAQ in the United States, whose results tend to be driven by net interest margin, loan growth, deposit costs, and credit quality rather than by high-growth fee businesses.
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