Union Bankshares, Inc.
UNBFinancial Services · Stock · quarterly payer
Forward Yield
5.67%
Annual Dividend
$1.44
Payout Ratio
55%
5-Yr Growth
2.4%
Ex-Date
Jul 27, 2026
Frequency
Quarterly
Summary
As of July 2026, Union Bankshares, Inc. (UNB) yields 5.67% ($1.44 per share annually), with a blended fair-value estimate of $25.18 — -1% downside, so it screens as fairly valued. Dividend safety grade: A (84/100).
Is UNB a good dividend stock?
YesUnion Bankshares, Inc. (UNB) pays a quarterly dividend yielding 5.67% ($1.44/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (55%)
- Top-tier dividend safety score
Risks
- Cut its dividend in 2009
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 5.67%
- Payout Ratio
- 55%
- Annual Dividend
- $1.44
- 5-Yr Avg Growth
- 2.4%
- Ex-Dividend Date
- Jul 27, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.26
- Market Cap
- $117.6M
- P/E Ratio
- 9.8
- 5-Yr Total Return
- -23%
- 52-Week Range
- $20.65 – $29.49
- Dividend Safety
- A · 84/100
- Ever Cut?
- Yes (2009)
Frequently Asked Questions
UNB Price — Last 12 Months
Daily close
Price Return
1 Year
-3%
3 Years
+14%
5 Years
-23%
52-Week Range
$20.65 – $29.49
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is UNB worth?
Fairly valuedmedium confidenceOur blended fair-value estimate for Union Bankshares, Inc. is $25.18 per share, versus a market price of $25.40. That implies the stock is roughly fairly priced.
Fair Value
$25.18
Current Price
$25.40
Gap
-1%
Margin of Safety
-1%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 12.8% annual free-cash-flow growth. We model 0.0% — so the price already assumes faster growth than we think is likely.
Assumptions: 7.0% discount rate (CAPM), 0.0% stage-1 growth, 2.5% terminal growth, $2.60 EPS, $1.44 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
UNB Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Apr 27, 2026 | — | $0.3600 | regular |
| Jan 30, 2026 | — | $0.3600 | regular |
| Oct 24, 2025 | — | $0.3600 | regular |
| Jul 25, 2025 | — | $0.3600 | regular |
| Apr 25, 2025 | — | $0.3600 | regular |
| Jan 24, 2025 | — | $0.3600 | regular |
| Oct 25, 2024 | — | $0.3600 | regular |
| Jul 26, 2024 | — | $0.3600 | regular |
| Apr 25, 2024 | — | $0.3600 | regular |
| Jan 25, 2024 | — | $0.3600 | regular |
| Oct 26, 2023 | — | $0.3600 | regular |
| Jul 27, 2023 | — | $0.3600 | regular |
| Apr 27, 2023 | — | $0.3600 | regular |
| Jan 26, 2023 | — | $0.3600 | regular |
Income Calculator
At $1.44 / yr per share
