Union Bankshares (UNB) AI Stock Analysis

• Market Cap: $100.63M
• Dividend Yield: 6.19%
• Average Volume (3M): 11.64K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.78
• Revenue Growth: 14.58%
• EPS Growth: 7.73%
• Country: US
• Employees: 191
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 4,551,337
• 10 Day Avg. Volume: 9,419
• 30 Day Avg. Volume: 11,640
• PEG Ratio: -0.67
• Price to Book (P/B): 1.97
• Price to Sales (P/S): 1.71
• P/FCF Ratio: 11.80
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 56 Neutral
• Price Target: $24.50 ▼(-2.00% Downside)

Union Bankshares' overall score is driven by its strong valuation metrics, particularly the attractive dividend yield and low P/E ratio. However, financial performance concerns, including high leverage and declining revenue growth, weigh heavily on the score. The technical analysis indicates a bearish trend, further impacting the overall assessment.

Union Bankshares Business Overview & Revenue Model

Company Description

Union Bankshares (UNB) is a publicly traded bank holding company based in the United States, primarily focused on providing a range of financial services through its subsidiaries. The company operates in the banking sector and offers various products and services, including commercial and retail banking, mortgage lending, investment services, and wealth management. With a strong presence in its regional markets, Union Bankshares aims to deliver personalized banking solutions to its customers, which include individuals, businesses, and institutions.

How the Company Makes Money

Union Bankshares generates revenue primarily through interest income and non-interest income. Interest income is earned from loans made to customers, including commercial loans, personal loans, and mortgages, which typically have varying interest rates that contribute significantly to the bank's profitability. Additionally, Union Bankshares earns non-interest income through fees for services such as account maintenance, ATM usage, investment advisory services, and wealth management. The bank may also generate income from investment securities and other financial products. Strategic partnerships with other financial institutions and service providers enhance its offerings and contribute to revenue growth. Furthermore, economic factors such as interest rate changes and market demand for loans can significantly influence the bank's overall earnings.

Union Bankshares Financial Statement Overview

Summary

Union Bankshares shows strong profitability metrics with a healthy net profit margin of 12.54% and a gross profit margin of 65.64%. However, the company faces challenges with declining revenue growth and high leverage, as indicated by a high debt-to-equity ratio of 4.29 and a decline in free cash flow growth by 24.37%.

Income Statement

Union Bankshares shows a mixed performance in its income statement. The TTM data reveals a decline in revenue growth rate by 7.48%, indicating potential challenges in revenue generation. However, the company maintains a healthy net profit margin of 12.54% and a gross profit margin of 65.64%, suggesting efficient cost management. The EBIT and EBITDA margins are also stable at 13.20% and 15.19%, respectively, reflecting solid operational efficiency.

Balance Sheet

The balance sheet indicates a high debt-to-equity ratio of 4.29, which could pose financial risk if not managed properly. Return on equity is stable at 13.17%, showing that the company is generating reasonable returns on shareholders' equity. However, the equity ratio is low, suggesting a heavy reliance on debt financing.

Cash Flow

Cash flow analysis shows a decline in free cash flow growth by 24.37% in the TTM period, which is concerning. The operating cash flow to net income ratio is low at 0.83%, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio is relatively healthy at 89.80%, suggesting that a significant portion of net income is being converted into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	73.53M	76.42M	66.11M	52.42M	51.34M	51.95M
Gross Profit	48.26M	45.90M	47.34M	47.90M	47.77M	44.61M
EBITDA	11.17M	10.72M	14.52M	17.05M	17.71M	17.29M
Net Income	9.22M	8.76M	11.26M	12.62M	13.17M	12.80M
Balance Sheet
Total Assets	1.48B	1.53B	1.47B	1.34B	1.21B	1.09B
Cash, Cash Equivalents and Short-Term Investments	370.00M	188.92M	283.50M	271.20M	285.67M	123.88M
Total Debt	305.70M	278.45M	81.94M	66.20M	16.17M	7.16M
Total Liabilities	1.41B	1.46B	1.40B	1.28B	1.12B	1.01B
Stockholders Equity	71.30M	66.48M	65.81M	55.22M	84.34M	80.87M
Cash Flow
Free Cash Flow	10.23M	11.08M	7.25M	28.37M	25.68M	-8.07M
Operating Cash Flow	11.39M	12.15M	9.19M	29.03M	29.19M	-7.06M
Investing Cash Flow	-79.84M	-124.83M	-82.25M	-207.58M	-190.01M	-125.91M
Financing Cash Flow	67.21M	50.85M	112.84M	150.51M	103.97M	204.61M

Union Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 25.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNB, the sentiment is Negative. The current price of 25 is above the 20-day moving average (MA) of 24.26, below the 50-day MA of 25.04, and below the 200-day MA of 27.93, indicating a bearish trend. The MACD of -0.44 indicates Positive momentum. The RSI at 27.48 is Positive, neither overbought nor oversold. The STOCH value of 6.87 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UNB.

Union Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	―	$109.54M	10.93	8.68%	1.71%	18.82%	35.00%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	―	$113.04M	11.24	6.52%	1.71%	2.85%	73.57%
RVSB	―	$107.47M	22.88	2.90%	1.58%	8.77%	369.81%
UNB	―	$100.63M	11.13	―	6.19%	14.58%	7.73%
SRBK	―	$116.02M	23.73	1.91%	1.02%	26.46%	―
BSBK	―	$112.65M	―	-0.25%	―	-12.23%	83.58%

Union Bankshares Corporate Events

Union Bankshares Reports Strong Q3 2025 Earnings

Union Bankshares, Inc., headquartered in Morrisville, Vermont, is a bank holding company that operates Union Bank, providing commercial, retail, and municipal banking services, along with wealth management services across northern Vermont and New Hampshire. The company is recognized for its strong residential lending programs and community involvement.

Union Bankshares Declares Quarterly Dividend Amid Growth

On October 15, 2025, Union Bankshares, Inc. declared a quarterly cash dividend of $0.36 per share, payable on November 6, 2025. The company reported significant financial growth for the three and nine months ended September 30, 2025, with net income rising to $3.4 million and $8.3 million, respectively, compared to the previous year. This growth was driven by increased loan activity and strategic balance sheet management, despite economic uncertainties. The company’s asset quality remains strong, and stockholder equity has improved, reflecting the company’s robust financial health and strategic initiatives.

The most recent analyst rating on (UNB) stock is a Buy with a $29.00 price target. To see the full list of analyst forecasts on Union Bankshares stock, see the UNB Stock Forecast page.