Union Bankshares (UNB) AI Stock Analysis

• Market Cap: $129.85M
• Dividend Yield: 5.03%
• Average Volume (3M): 24.24K
• Price to Earnings (P/E): 14.7
• Beta (1Y): 0.74
• Revenue Growth: 13.60%
• EPS Growth: -17.65%
• Country: US
• Employees: 191
• Sector: Financial
• Sector Strength: 80
• Industry: Banks - Regional
• EPS (TTM): 0.55
• Shares Outstanding: 4,538,600
• 10 Day Avg. Volume: 53,796
• 30 Day Avg. Volume: 24,241
• PEG Ratio: 12.97
• Price to Book (P/B): 1.69
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.70
• Enterprise Value/Market Cap: 2.79
• Enterprise Value/Revenue: 1.20
• Enterprise Value/Gross Profit: 7.69
• Enterprise Value/Ebitda: 8.03
• 1Y Price Target: $27.00
• Price Target Upside: -5.76% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: $32.00 ▲(11.69%Upside)

Union Bankshares demonstrates strong financial performance with solid profitability and cash flow generation, underpinned by an attractive valuation due to a reasonable P/E ratio and high dividend yield. However, technical indicators suggest potential bearish momentum and overbought conditions, keeping the overall score moderated.

Union Bankshares Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Union Bankshares makes money through various revenue streams primarily derived from its banking operations. The company earns interest income from loans issued to individuals and businesses, which include mortgage loans, commercial loans, and consumer loans. Additionally, it generates non-interest income from fees associated with deposit account services, transaction processing, and other banking services. Union Bankshares also benefits from interest on investments in securities. The company's financial performance is influenced by factors such as interest rate fluctuations, economic conditions in its operating regions, and its ability to maintain strong customer relationships.

Union Bankshares Financial Statement Overview

Summary

Union Bankshares maintains a solid financial foundation with consistent operational performance and effective capital management. Revenue growth has faced headwinds, but operational efficiency and financial stability remain strong.

Income Statement

Union Bankshares shows a steady gross profit margin with slight fluctuations in net profit margin over the years. The revenue growth rate has experienced minor declines recently, indicating a challenging environment in maintaining growth momentum. Despite these challenges, EBIT margins remain healthy, demonstrating operational efficiency.

Balance Sheet

The balance sheet is stable with a manageable debt-to-equity ratio and consistent stockholders' equity growth. Return on equity demonstrates a slight downward trend, reflecting pressure on profitability. However, the equity ratio remains robust, showcasing strong financial stability and adequate capitalization.

Cash Flow

Cash flow from operations has shown variability, with free cash flow growth experiencing significant fluctuations. The absence of current period operating and free cash flow data limits analysis, yet past performance indicates the potential for cash generation resilience amid operational challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	79.47M	76.42M	66.11M	52.42M	51.34M	51.95M
Gross Profit	47.05M	45.90M	47.34M	47.90M	47.77M	44.61M
EBITDA	10.75M	10.72M	14.52M	17.05M	17.71M	17.29M
Net Income	8.86M	8.76M	11.26M	12.62M	13.17M	12.80M
Balance Sheet
Total Assets	1.52B	1.53B	1.47B	1.34B	1.21B	1.09B
Cash, Cash Equivalents and Short-Term Investments	164.92M	188.92M	283.50M	271.20M	285.67M	123.88M
Total Debt	256.98M	275.97M	81.94M	66.20M	16.17M	7.16M
Total Liabilities	1.45B	1.46B	1.40B	1.28B	1.12B	1.01B
Stockholders Equity	70.07M	66.48M	65.81M	55.22M	84.34M	80.87M
Cash Flow
Free Cash Flow	13.52M	11.08M	7.25M	28.37M	25.68M	-8.07M
Operating Cash Flow	14.35M	12.15M	9.19M	29.03M	29.19M	-7.06M
Investing Cash Flow	-116.58M	-124.83M	-82.25M	-207.58M	-190.01M	-125.91M
Financing Cash Flow	93.28M	50.85M	112.84M	150.51M	103.97M	204.61M

Union Bankshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 28.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNB, the sentiment is Neutral. The current price of 28.65 is above the 20-day moving average (MA) of 27.30, below the 50-day MA of 30.15, and below the 200-day MA of 29.76, indicating a neutral trend. The MACD of -0.43 indicates Negative momentum. The RSI at 53.72 is Neutral, neither overbought nor oversold. The STOCH value of 86.36 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UNB.

Union Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CZWI	77 Outperform	$149.64M	11.84	7.29%	2.40%	-1.15%	-1.80%
CFBK	73 Outperform	$156.82M	10.65	8.65%	1.16%	5.51%	-5.63%
EBMT	72 Outperform	$139.72M	12.40	6.42%	3.24%	6.51%	27.04%
UNB	72 Outperform	$129.85M	14.72	13.21%	5.03%	13.60%	-17.65%
FNWD	63 Neutral	$121.25M	36.47	2.18%	1.71%	-7.58%	-78.69%
SFBC	62 Neutral	$120.17M	24.07	4.90%	1.62%	8.04%	-16.23%
Sector *	58 Neutral	HK$90.97B	5.09	-3.21%	5.32%	7.36%	-55.21%

Union Bankshares Corporate Events

Union Bankshares Shareholders Approve Key Matters at Meeting

Union Bankshares held its annual meeting of shareholders on May 21, 2025, where 3,336,050 shares were represented out of 4,538,598 outstanding shares. During the meeting, shareholders approved four key matters: setting the number of directors at nine, electing directors for a one-year term, approving executive compensation, deciding on a three-year frequency for future Say-On-Pay votes, and ratifying Berry Dunn McNeil & Parker, LLC as the company’s external auditors for 2025.

Union Bankshares Enters Equity Distribution Agreement

On May 20, 2025, Union Bankshares, Inc. entered into an Equity Distribution Agreement with Piper Sandler & Co. to potentially sell up to $40 million in common stock. The proceeds from this offering are intended for general corporate purposes, including supporting Union Bank’s operations and strategic initiatives.