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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Union Bankshares (UNB) investor relations material
Union Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary15 Oct, 2025
Executive summary
Net income rose to $3.4 million for Q3 2025 and $8.3 million for the nine months ended September 30, 2025, up from $1.3 million and $5.8 million in the prior year periods, reflecting strong earnings expansion.
The prior year's results were impacted by a $1.3 million pre-tax loss from a strategic sale of lower-yielding securities.
A quarterly cash dividend of $0.36 per share was declared, payable November 6, 2025.
Financial highlights
Net interest income increased 18.3% year-over-year to $11.2 million for Q3 2025.
Noninterest income grew to $3.4 million, up from $2.9 million in Q3 2024.
Noninterest expenses rose 9.9% to $10.3 million, mainly due to higher salaries, wages, and other expenses.
Book value per share increased 6.1% to $16.95 as of September 30, 2025.
Retained earnings rose 5.3% to $95.1 million; additional paid-in capital up 37.1% to $4.2 million.
Outlook and guidance
Management remains focused on disciplined asset growth, prudent expense management, and maintaining a resilient loan portfolio.
Ongoing monitoring of macroeconomic indicators and credit risk exposure is emphasized.
Impact of 2024 securities sale on future NIM?
Explain lower credit loss expense despite loan growth.
Future plans for equity distribution agreement proceeds?
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Next Union Bankshares earnings date
Q4 202513 Jan, 2026
Next Union Bankshares earnings date
Q4 202513 Jan, 2026
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Eferix Drawings Google Play
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Frequently asked questions
Union Bankshares, Inc. is a bank holding company. It operates through its subsidiary, Union Bank, providing a range of financial services, including commercial, retail, and municipal banking, as well as wealth management. The bank serves customers in northern Vermont and New Hampshire. The company is headquartered in Morrisville, Vermont, and its shares are listed on the NASDAQ.
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