Event-Driven Stocks

UNION BANKSHARES INC

UNBNasdaq

Financials · State Commercial Banks · VT · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue——————
Operating income——————
Net income$2.5M$2.4M$3.0M$2.5M$2.9M$2.2M
Total assets$1.62B$1.53B$1.47B$1.34B$1.21B$1.09B
Total liabilities$1.54B$1.46B$1.40B$1.28B$1.12B$1.01B
Equity$80.9M$66.5M$65.8M$55.2M$84.3M$80.9M
EPS (diluted)$0.55$0.53$0.66$0.55$0.64$0.49
Shares out.4.5M4.5M4.5M4.5M4.5M4.5M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
—
Return on equity
3.1%
Return on assets
0.2%
Return on capital (ROCE)
—
Liabilities / assets
95.0%
Debt / equity
19.00×
Book value / share
$17.82
Revenue growth (YoY)
—
Net income growth (YoY)
3.5%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−0.9%clean
Piotroski F-Score
4/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
83
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 warning● 2 good
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 2026101,4453.0-3.6%
Apr 30, 2026105,28316.9+5.0%
Apr 15, 2026100,22125.7+3.5%
Mar 31, 202696,82813.1-7.1%
Mar 13, 2026104,19313.8+5.5%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)