Union Bankshares, Inc.
UNBFinancial Services · Banks - Regional · Stock · quarterly payer
Forward Yield
6.25%
Annual Dividend
$1.44
Payout Ratio
56%
5-Yr Growth
2.4%
Ex-Date
Jul 27, 2026
Frequency
Quarterly
Key facts about UNB's dividend
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Union Bankshares, Inc. (UNB) has a forward dividend yield of 6.25%, based on an annual dividend of $1.44 per share and a share price of $23.00.
- As of Oct 18, 2026, UNB's dividend safety grade from SmarterDividends is B (76 out of 100), which rates the dividend as safe.
- UNB last cut its regular dividend in 2009.
- UNB's most recent ex-dividend date was Jul 27, 2026, for a dividend of $0.36 per share.
- As of Oct 18, 2026, UNB pays out 56% of its trailing 12-month earnings as dividends (its payout ratio).
- UNB's dividend has grown at an average rate of 2.4% a year over the past five years.
- As of Oct 18, 2026, UNB's 6.25% yield is 21% above its five-year average yield of 5.15%.
- As of Oct 18, 2026, SmarterDividends' blended fair-value estimate for UNB is $21.82 per share, 5% below the $23.00 share price, so UNB screens as fairly valued.
- Union Bankshares, Inc. (UNB) pays its dividend quarterly, 4 times a year.
- Union Bankshares, Inc. (UNB) has raised its regular dividend 16 times and cut it 1 time across the 104 payments on record since 2000. Its most recent change was a 2.9% increase to $0.360 per share, going ex-dividend on Jan 26, 2023. The last cut went ex-dividend on Apr 23, 2009.
Cite this page
SmarterDividends, "UNB Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 18, 2026, https://smarterdividends.com/stocks/UNB
Summary
As of Oct 18, 2026, Union Bankshares, Inc. (UNB) yields 6.25% ($1.44 a year per share) and has a dividend safety grade of B (76/100).
Is UNB a good dividend stock?
YesUnion Bankshares, Inc. (UNB) pays a quarterly dividend yielding 6.25% ($1.44/yr), with 0 years of growth and a dividend-safety grade of B. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (56%)
Risks
- Cut its dividend in 2009
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 6.25%
- Payout Ratio
- 56%
- Annual Dividend
- $1.44
- 5-Yr Avg Growth
- 2.4%
- Ex-Dividend Date
- Jul 27, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.27
- Market Cap
- $113.8M
- P/E Ratio
- 8.9
- 5-Yr Total Return
- -26%
- 52-Week Range
- $20.65 – $26.41
- Dividend Safety
- B · 76/100
- Ever Cut?
- Yes (2009)
UNB dividend raises and cuts
Union Bankshares, Inc. (UNB) has raised its regular dividend 16 times and cut it 1 time across the 104 payments on record since 2000. Its most recent change was a 2.9% increase to $0.360 per share, going ex-dividend on Jan 26, 2023. The last cut went ex-dividend on Apr 23, 2009.
| Ex-date | Change | Old → new | Move |
|---|---|---|---|
| Jan 26, 2023 | Raise | $0.350 → $0.360 | +2.9% |
| Jan 27, 2022 | Raise | $0.330 → $0.350 | +6.1% |
| Jan 29, 2021 | Raise | $0.320 → $0.330 | +3.1% |
| Jan 24, 2020 | Raise | $0.310 → $0.320 | +3.2% |
| Jan 25, 2019 | Raise | $0.300 → $0.310 | +3.3% |
| Jan 25, 2018 | Raise | $0.290 → $0.300 | +3.4% |
| Jan 25, 2017 | Raise | $0.280 → $0.290 | +3.6% |
| Apr 27, 2016 | Raise | $0.270 → $0.280 | +3.7% |
| Jan 28, 2015 | Raise | $0.260 → $0.270 | +3.8% |
| Oct 23, 2013 | Raise | $0.250 → $0.260 | +4.0% |
| Apr 23, 2009 | Cut | $0.280 → $0.250 | −10.7% |
| Oct 20, 2006 | Raise | $0.260 → $0.280 | +7.7% |
Show all 17 changes since 2001
| Ex-date | Change | Old → new | Move |
|---|---|---|---|
| Oct 20, 2005 | Raise | $0.240 → $0.260 | +8.3% |
| Oct 20, 2004 | Raise | $0.220 → $0.240 | +9.1% |
| Oct 22, 2003 | Raise | $0.200 → $0.220 | +10.0% |
| Oct 9, 2002 | Raise | $0.187 → $0.200 | +7.1% |
| Oct 11, 2001 | Raise | $0.173 → $0.187 | +7.7% |
Frequently Asked Questions
Is UNB a good dividend stock?
Yes. Union Bankshares, Inc. (UNB) pays a quarterly dividend yielding 6.25% ($1.44/yr), with 0 years of growth and a dividend-safety grade of B. It scores well across payout coverage, growth history and safety — a dependable income holding.
Is UNB undervalued?
Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, UNB's fair value is about $21.82 versus a $23.00 share price — so it looks fairly valued (-5% vs. fair value).
Is UNB's dividend safe?
UNB has a dividend-safety grade of B (76/100), based on its payout coverage, free-cash-flow, 0-year growth streak, a dividend cut in 2009, debt and yield-versus-history.
What is UNB's fair value?
Our blended fair-value estimate for UNB is about $21.82 per share, about 5% below the current $23.00 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.
Is UNB a buy, hold, or sell?
We don't issue formal ratings, but on the data UNB screens as "yes" and fairly valued. Union Bankshares, Inc. (UNB) pays a quarterly dividend yielding 6.25% ($1.44/yr), with 0 years of growth and a dividend-safety grade of B. It scores well across payout coverage, growth history and safety — a dependable income holding. This is research for your own analysis, not investment advice.
Will UNB cut its dividend?
UNB earns a dividend-safety grade of B (76/100), and has cut its dividend before (last in 2009). A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.
Does UNB pay a dividend?
Yes. Union Bankshares, Inc. pays a quarterly dividend of about $1.44 per share annually, a forward yield of roughly 6.25%.
What is UNB's dividend yield?
As of Oct 18, 2026, UNB's forward dividend yield is 6.25%, based on a $1.44 annual dividend and a $23.00 share price.
What is UNB's dividend per share?
As of Oct 18, 2026, UNB pays $1.44 per share per year, distributed on a quarterly basis.
What is UNB's dividend payout ratio?
As of Oct 18, 2026, UNB's payout ratio is 56% of trailing 12-month earnings — a comfortable level that leaves room to keep raising the dividend.
How many years has UNB grown its dividend?
UNB does not currently have a long dividend-growth streak on record.
When is the next UNB ex-dividend date?
As of Oct 18, 2026, UNB's next ex-dividend date hasn't been announced. The most recent was Jul 27, 2026, for $0.36 per share.
UNB Price — Last 12 Months
Daily close
Price Return
1 Year
-1%
3 Years
-20%
5 Years
-26%
52-Week Range
$20.65 – $26.41
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 $21.82 per share, versus a market price of $23.00. That implies the stock is roughly fairly priced.
Fair Value
$21.82
Current Price
$23.00
Gap
-5%
Margin of Safety
-5%
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.
Assumptions: 8.0% discount rate (CAPM), 0.0% growth for five years fading to 2.5% over the next five, $2.59 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
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
Full UNB dividend history →| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jul 27, 2026 | Aug 6, 2026 | $0.3600 | regular |
| Apr 27, 2026 | May 7, 2026 | $0.3600 | regular |
| Jan 30, 2026 | Feb 5, 2026 | $0.3600 | regular |
| Oct 24, 2025 | Nov 6, 2025 | $0.3600 | regular |
| Jul 25, 2025 | Aug 7, 2025 | $0.3600 | regular |
| Apr 25, 2025 | May 1, 2025 | $0.3600 | regular |
| Jan 24, 2025 | Feb 6, 2025 | $0.3600 | regular |
| Oct 25, 2024 | Nov 7, 2024 | $0.3600 | regular |
| Jul 26, 2024 | Aug 1, 2024 | $0.3600 | regular |
| Apr 25, 2024 | May 2, 2024 | $0.3600 | regular |
| Jan 25, 2024 | Feb 1, 2024 | $0.3600 | regular |
| Oct 26, 2023 | Nov 2, 2023 | $0.3600 | regular |
| Jul 27, 2023 | Aug 3, 2023 | $0.3600 | regular |
| Apr 27, 2023 | May 4, 2023 | $0.3600 | regular |
Income Calculator
At $1.44 / yr per share
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