Union Bankshares Inc (UNB)
NASDAQ:UNB
UNB Stock Chart & Stats
$24.51
-$0.82(-2.75%)
At close: 4:00 PM EST
$24.51
-$0.82(-2.75%)
Day’s Range― - ―
52-Week Range$20.65 - $36.00
Previous CloseN/A
Volume2.58K
Average Volume (3M)14.99K
Market Cap
$113.97M
Enterprise Value$412.10M
Total Cash (Recent Filing)$12.30M
Total Debt (Recent Filing)$302.79M
Price to Earnings (P/E)9.8
Beta0.67
Next Earnings
Apr 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.08%
Share Statistics
EPS (TTM)0.59
Shares Outstanding4,614,047
10 Day Avg. Volume26,096
30 Day Avg. Volume14,995
Financial Highlights & Ratios
PEG Ratio0.39
Price to Book (P/B)1.34
Price to Sales (P/S)1.24
P/FCF Ratio6.79
Enterprise Value/Market Cap3.62
Enterprise Value/Revenue4.73
Enterprise Value/Gross Profit7.71
Enterprise Value/Ebitda31.13
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue Acceleration (2025)Consistent revenue acceleration in 2025 indicates durable top-line momentum driven by core banking activities. Sustained revenue growth strengthens loan origination capacity and fee income, improving the firm's ability to cover provisions and invest in operations over the next several quarters.
Stronger Book Value And Maintained DividendNearly 20% book-value growth plus a continued quarterly dividend signal accumulating capital and management commitment to returning cash. This enhances loss-absorbing capacity and investor confidence, while a board appointment to bolster risk expertise supports governance and medium-term stability.
Improved Core Interest And Funding TrendsHigher net interest income, mortgage gains and deposit growth reflect firmer core banking performance. Expansion of the securities portfolio and increased deposits improve funding diversity and support net interest margins and lending capacity across the 2–6 month horizon.
Bears Say
Rising LeverageA sharp rise in leverage reduces balance-sheet flexibility in a rate- and credit-sensitive industry. Elevated debt-to-equity increases funding and solvency risk, narrows strategic options, and raises the probability that capital actions or higher provisioning may be needed within several quarters.
Weaker, Volatile Cash GenerationMaterial decline and volatility in cash generation weakens the firm's ability to fund dividends, invest, or absorb shocks without external financing. Low cash conversion versus reported earnings increases uncertainty about earnings quality and constrains operational flexibility in the medium term.
Compressed Margins & Higher ExpensesProfitability has contracted from prior peaks as margins compress and noninterest expenses rise. Persistent expense pressure and narrower spreads limit sustainable earnings, reducing the firm's capacity to rebuild reserves or accelerate loan growth without restoring margins.
Union Bankshares News
UNB FAQ
What was Union Bankshares Inc’s price range in the past 12 months?
Union Bankshares Inc lowest stock price was $20.65 and its highest was $36.00 in the past 12 months.
What is Union Bankshares Inc’s market cap?
Union Bankshares Inc’s market cap is $113.97M.
When is Union Bankshares Inc’s upcoming earnings report date?
Union Bankshares Inc’s upcoming earnings report date is Apr 22, 2026 which is in 19 days.
How were Union Bankshares Inc’s earnings last quarter?
Union Bankshares Inc released its earnings results on Jan 21, 2026. The company reported $0.595 earnings per share for the quarter, beating the consensus estimate of N/A by $0.595.
Is Union Bankshares Inc overvalued?
According to Wall Street analysts Union Bankshares Inc’s price is currently Overvalued.
Does Union Bankshares Inc pay dividends?
Union Bankshares Inc pays a Quarterly dividend of $0.36 which represents an annual dividend yield of 6.08%. See more information on Union Bankshares Inc dividends here
What is Union Bankshares Inc’s EPS estimate?
Union Bankshares Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Union Bankshares Inc have?
Union Bankshares Inc has 4,614,047 shares outstanding.
What happened to Union Bankshares Inc’s price movement after its last earnings report?
Union Bankshares Inc reported an EPS of $0.595 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.344%.
Which hedge fund is a major shareholder of Union Bankshares Inc?
Currently, no hedge funds are holding shares in UNB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Union Bankshares Stock Smart Score
Underperform
1
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5
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7
8
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10
Blogger Sentiment
Neutral
UNB Sentiment 50%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $202.2 over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.69%
12-Months-Change
Fundamentals
Return on Equity
14.80%
Trailing 12-Months
Asset Growth
5.66%
Trailing 12-Months
Company Description
Union Bankshares Inc
Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; home improvement loans and overdraft; and residential construction and mortgage loans. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. It operates 18 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.
Technical Analysis
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Ownership Overview
2.87% Insiders
7.29% Mutual Funds
3.59% Other Institutional Investors
80.25% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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