Union Bankshares Inc (UNB)
NASDAQ:UNB
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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 - $29.49
Previous CloseN/A
Volume2.58K
Average Volume (3M)14.99K
Market Cap
$107.32M
Enterprise Value$429.38M
Total Cash (Recent Filing)$4.50M
Total Debt (Recent Filing)$327.30M
Price to Earnings (P/E)9.3
Beta0.62
Next Earnings
Jul 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.08%
Share Statistics
EPS (TTM)2.53
Shares Outstanding4,614,052
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 Cap4.00
Enterprise Value/Revenue4.85
Enterprise Value/Gross Profit7.77
Enterprise Value/Ebitda31.73
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 & Profitability GrowthSustained top-line expansion and mid-teens ROE with TTM net and operating margins indicate the franchise can grow interest and fee income while remaining profitable. That sustained profitability supports lending capacity, capital generation and reinvestment over the medium term.
Capital Position & DividendRising book equity and a maintained quarterly cash dividend reflect a capital buffer and shareholder-return discipline. This signals management confidence in loss-absorption capacity and low near-term risk of dividend cuts, supporting investor returns and franchise stability over months.
Strong Community Banking FranchiseA focused regional network with mortgage and SBA lending expertise builds durable customer relationships and sticky deposits. Local market share and diversified commercial/residential loan channels provide stable net interest income and competitive advantage in its core Vermont/New Hampshire markets.
Bears Say
Negative TTM Cash FlowA sharp TTM swing to negative operating and free cash flow despite positive net income undermines earnings quality and indicates working-capital or timing strains. Persistent negative cash generation increases reliance on external funding and risks pressure on dividends or growth investments.
Volatile Leverage & Balance-Sheet InconsistencyLarge swings in reported leverage reduce comparability and signal unstable funding strategy. Rapid shifts from high leverage to zero reported debt can mask refinancing or liquidity risks and make capital planning and stress resilience harder to evaluate reliably.
Margin Compression & Cost PressureMulti-year margin erosion coupled with rising noninterest expenses compresses core banking profitability. If spread and fee dynamics remain weak while costs trend higher, sustained pressure on net income and return metrics could constrain capital build and strategic investments.
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 $29.49 in the past 12 months.
What is Union Bankshares Inc’s market cap?
Union Bankshares Inc’s market cap is $107.32M.
When is Union Bankshares Inc’s upcoming earnings report date?
Union Bankshares Inc’s upcoming earnings report date is Jul 22, 2026 which is in 41 days.
How were Union Bankshares Inc’s earnings last quarter?
Union Bankshares Inc released its earnings results on Apr 15, 2026. The company reported $0.646 earnings per share for the quarter, beating the consensus estimate of N/A by $0.646.
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 4,614,052 shares outstanding.
What happened to Union Bankshares Inc’s price movement after its last earnings report?
Union Bankshares Inc reported an EPS of $0.646 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.566%.
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
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Blogger Sentiment
Bullish
UNB Sentiment 67%
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
14.94%
Trailing 12-Months
Asset Growth
6.58%
Trailing 12-Months
Company Description
Union Bankshares Inc
Union Bankshares, Inc., established in 1891 and based in Morrisville, Vermont, serves as the holding company for Union Bank. This institution provides a comprehensive suite of retail, commercial, and municipal banking services across northern Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking accounts, complemented by standby letters of credit. Additional services include asset management, fiduciary, and trust provisions. Customers manage their finances through a network of 18 banking offices, 3 loan centers, and numerous ATMs, supported by extensive telephone, internet, and mobile banking capabilities, debit cards, and online mortgage application services.
Technical Analysis
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Ownership Overview
2.93% Insiders
6.58% Mutual Funds
3.29% Other Institutional Investors
80.94% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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