All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2025-11-19.
From the record
Union Bankshares, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2025-11-19) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+12.2% a year over 10 filed years; profitable in 10 of 10.
From the record
Union Bankshares, Inc.'s 10 filed years say what it did: revenue went from $27 million in fiscal 2016 to $76 million in fiscal 2025, up 12.2% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.5% a year. 51% of cash flow returned. Insiders: 0 sales, 4 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Union Bankshares, Inc.'s diluted share count grew about 0.5% a year, and dividends and buybacks returned about 51% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 4 purchases of their own stock on the open market in the year to 2026-10-15, buying about $43 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 14%: 14¢ of profit per shareholder dollar. Leverage 95%: owes 95¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Union Bankshares, Inc. earned about 14 cents of profit for every dollar of shareholders' money. Leverage: it owed about 95 cents per dollar of assets, and net share issuance: its share count grew 0.8% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 30% of 155 in its family; net margin 14.6%.
From the record
Union Bankshares, Inc.'s standing among 155 graded names in its industry family: revenue of $76 million in fiscal 2025 ranks in the bottom 6% by size; a net margin of 14.6% ranks in the bottom 20%; revenue growth of 19.9% a year over the last 3 filed years ranks in the top 36% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 36% of 150 in its family for leadership.
From the record
Union Bankshares, Inc.'s leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 11 officers and directors filing in the last fifteen months have been on the record a median of 8.5 years (top 35%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 11 people in charge now (bottom 6%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 28% of 142 in its family for room to expand.
From the record
Union Bankshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $12 million against no long-term debt tagged leaves 0.8% of its assets as net cash, bottom 17% of its family; cash from operations less capital spending is 21.1% of revenue (bottom 39%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 25% of 152 in its family for growth drivers.
From the record
Union Bankshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 19.9% a year over the last three filed years against 12.2% over all 10, speeding up (top 20% of its family); the newest year grew 11.5% (top 23%); capital spending grew 23.5% a year (top 33%) (its annual reports). Union Bankshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 42% of 150 in its family for expectations against reality.
From the record
Union Bankshares, Inc.'s newest year against its own record: revenue of $76 million in fiscal 2025 came in 10.3% below the $84 million its prior three years' pace pointed to (top 32% of its family); net income of $11 million against a prior three-year average of $11 million (bottom 28%); a net margin of 14.6% against 20.4% before (bottom 28%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made