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 - $32.70
Previous CloseN/A
Volume2.58K
Average Volume (3M)14.99K
Market Cap
$107.51M
Enterprise Value$430.30M
Total Cash (Recent Filing)$4.50M
Total Debt (Recent Filing)$327.30M
Price to Earnings (P/E)9.4
Beta0.67
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/Revenue4.86
Enterprise Value/Gross Profit7.79
Enterprise Value/Ebitda31.80
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 Growth & ProfitabilitySustained revenue expansion with mid-teens margins indicates the core commercial banking franchise is generating recurring earnings. Consistent top-line growth and solid operating margins support internal reinvestment, dividend capacity and underwriting of new loans over the medium term.
Healthy ROE And Stable EquityA roughly 15% ROE and stable reported equity point to efficient capital use and franchise profitability. That level of return provides a durable buffer to absorb cyclical loan losses and supports dividends and targeted growth without immediate capital raises, aiding strategic flexibility.
Regional Community Franchise And Lending MixA focused northern VT/NH branch footprint and concentration in residential mortgages and SBA lending create sticky deposits and long-term client relationships. Local market knowledge and branch coverage support stable deposit funding, repeat business and fee cross‑selling over multiple years.
Bears Say
Negative Trailing Cash FlowSharp TTM negative operating and free cash flows materially weaken earnings quality and raise reliance on balance-sheet liquidity. Persistent cash outflows constrain internal funding for loan growth and dividends, forcing dependence on wholesale funding or asset sales if not corrected.
Multi-year Margin CompressionSustained margin erosion reduces the bank's core earnings power and requires either higher volumes, improved pricing or cost cuts to restore profit growth. If spread and fee pressures persist, margin compression could limit capital accumulation and long‑term return sustainability.
Volatile Leverage And Funding InconsistencyLarge swings in reported leverage and a sudden TTM shift to zero debt signal inconsistent funding strategies and potential reliance on short-term advances. Such volatility increases balance-sheet risk, complicates planning and could raise funding costs or regulatory scrutiny over time.
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 $32.70 in the past 12 months.
What is Union Bankshares Inc’s market cap?
Union Bankshares Inc’s market cap is $107.51M.
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 61 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
Neutral
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10
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
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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. 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
6.57% Mutual Funds
3.29% Other Institutional Investors
81.00% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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