UNB — Union Bankshares Inc

✨ Hidden Gem

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates UNB Bullish with a Setup Score of 37, net conviction 26, actionability 52. How the Setup Score works →

Total Setup Score37
Directional BiasBullish
Net Conviction26
Actionability52 (in range)

Key signals behind this score

About Union Bankshares Inc

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$23.76
Market Cap$118M
Float3.9M
Shares Outstanding4.9M
P/E (Forward)11.72
P/E (TTM)9.33
Price/Sales (TTM)2.06
Profit Margin21.24%
Operating Margin (TTM)21.96%
Revenue (TTM)$57.0M
Earnings Growth (YoY)15.40%
Dividend Rate1.4%

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $52.8M $12.8M $45.4M $17.3M
2021 $52.2M $13.2M $48.7M $17.7M
2022 $53.1M $12.6M $48.5M $17.0M
2023 $67.3M $11.3M $48.5M $14.5M
2024 $77.9M $8.8M $47.4M $10.7M
2025 $87.3M $11.1M $53.7M $13.7M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Sep 2025 $22.5M $3.4M
Dec 2025 $22.5M $2.8M
Mar 2026 $22.0M $3.0M
Jun 2026 $23.3M $2.9M

Ownership & Float

Insider Ownership26.0%
Institutional Ownership16.1%
Short Float0.3%
% of All Funds Holding0.59%
Number of Funds Holding52

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$24.44Near-term / short-term trend
Weekly40-Week SMA$24.06Medium-term trend
Weekly80-Week SMA$25.90Cyclical trend (business cycle)
Weekly200-Week SMA$25.98Secular trend (multi-year)
Monthly10-Month SMA$23.82Near-term monthly trend
Monthly20-Month SMA$26.04Medium-term monthly trend
Monthly40-Month SMA$26.19Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$25.00 resistance 1.90x 2 months ago
$29.80 resistance 2.76x 13 months ago
$33.10 resistance 1.35x 14 months ago
$34.30 resistance 1.69x 19 months ago
$22.00 support 1.37x 24 months ago

Historical Earnings Reactions (101 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.18% 0.06% 50.50% 5.88% -7.32%
1 Day 0.10% 0.20% 57.43% 7.65% -8.48%
1 Week 0.67% 0.26% 52.48% 12.86% -12.46%
2 Weeks 0.17% 0.43% 53.47% 9.39% -13.11%
1 Month 0.33% 0.35% 53.00% 19.67% -18.59%

Next earnings: October 21, 2026 (55 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan1.3%55.6%27
Feb-1.4%37.0%27
Mar-0.5%55.6%27
Apr-0.5%51.9%27
May-2.3%40.7%27
Jun1.9%63.0%27
Jul0.1%37.0%27
Aug0.2%53.8%26
Sep0.9%44.4%27
Oct1.4%66.7%27
Nov3.4%66.7%27
Dec0.3%63.0%27

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.09% 40.4% 1277
Tuesday -0.10% 38.5% 1396
Wednesday 0.04% 39.3% 1396
Thursday 0.10% 40.7% 1369
Friday 0.05% 39.3% 1363

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 16.1%

Insider Transactions — Smart Summary

Total insider ownership: 26.0%

12-Month Insider Activity Summary

Total Filings5
Net Value+$11,500.573
Net Shares Change2,957
% of Float0.1%
C-Suite Filings1
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Van Dyke Cornelius John Chairman +$11,500.573 1 1 buy
Bugbee Dawn D +$4,660 1 1 buy
Parent Mary K +$1,176.5 1 1 buy
Hogan Patricia N -$932.949 2 2 buy

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-07-31 Bugbee Dawn D +$4,660 Transaction at $23.30, now +2.0%
2026-02-04 Van Dyke Cornelius John Chairman +$11,500.573 Transaction at $23.87, now -0.4%
2026-03-11 Hogan Patricia N +$2,903.474 Transaction at $25.01, now -5.0%
2026-02-04 Parent Mary K +$1,176.5 Transaction at $23.53, now +1.0%
2025-12-18 Hogan Patricia N -$3,836.423 Transaction at $25.97, now -8.5%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Union Bankshares Inc (UNB) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for UNB on Trend Edge →