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Union Bankshares
(NASDAQ:UNB)
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Rating:59Neutral
Price Target:
$27.00
▲(10.16% Upside)
Action:Reiterated
Date:05/22/26
The score is held back mainly by weakened financial quality signals—especially the sharp negative TTM operating/free cash flow and some balance-sheet metric inconsistency. Valuation helps meaningfully (low P/E and high dividend yield), but technicals remain bearish with the stock below key moving averages, and corporate updates are modestly supportive.
Positive Factors
Revenue growth trend
Sustained revenue expansion indicates the bank is growing loan balances and fee income across its markets. Durable top-line growth supports scale, helps absorb fixed costs, and underpins long-term net interest income and fee diversification versus one-off performance drivers.
Negative Factors
TTM cash-flow deterioration
A sudden, sizable negative operating and free cash flow undermines earnings quality and suggests working-capital or timing issues. This weak cash generation increases reliance on external funding or balance-sheet liquidity for lending and dividends, weakening financial flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth trend
Sustained revenue expansion indicates the bank is growing loan balances and fee income across its markets. Durable top-line growth supports scale, helps absorb fixed costs, and underpins long-term net interest income and fee diversification versus one-off performance drivers.
Read all positive factors
Union Bankshares (UNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$114.66M
Dividend Yield6.08%
Average Volume (3M)14.99K
Price to Earnings (P/E)9.6
Beta (1Y)0.62
Revenue Growth11.40%
EPS Growth29.64%
CountryUS
Employees191
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap3.76
Enterprise Value/Revenue4.88
Enterprise Value/Gross Profit7.81
Enterprise Value/Ebitda30.88
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
Union Bankshares Business Overview & Revenue Model
Company Description
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 Verm...
How the Company Makes Money
Union Bankshares primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned on the spread between interest collected on earning assets (primarily loans and, to a lesser extent, investment securi...
Union Bankshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
56
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 88.45M | 87.30M | 77.94M | 67.28M | 53.07M | 52.24M |
| Gross Profit | 55.26M | 53.73M | 47.42M | 48.51M | 48.55M | 48.67M |
| EBITDA | 13.98M | 13.66M | 10.72M | 14.52M | 17.05M | 17.71M |
| Net Income | 11.59M | 11.10M | 8.76M | 11.26M | 12.62M | 13.17M |
Balance Sheet | ||||||
| Total Assets | 1.63B | 1.62B | 1.53B | 1.47B | 1.34B | 1.21B |
| Cash, Cash Equivalents and Short-Term Investments | 4.50M | 12.30M | 188.92M | 283.50M | 271.20M | 285.67M |
| Total Debt | 327.30M | 302.79M | 275.97M | 81.94M | 66.20M | 16.17M |
| Total Liabilities | 1.54B | 1.54B | 1.46B | 1.41B | 1.28B | 1.12B |
| Stockholders Equity | 80.56M | 80.86M | 66.48M | 65.81M | 55.22M | 84.34M |
Cash Flow | ||||||
| Free Cash Flow | -26.82M | 15.97M | 11.08M | 7.25M | 28.37M | 25.68M |
| Operating Cash Flow | -25.53M | 17.23M | 12.15M | 9.19M | 29.03M | 29.19M |
| Investing Cash Flow | -41.76M | -88.33M | -124.83M | -82.25M | -207.58M | -190.01M |
| Financing Cash Flow | 83.40M | 67.57M | 50.85M | 112.84M | 150.51M | 103.97M |
Union Bankshares Technical Analysis
Positive
24.51
Price Trends
24.02
Positive
23.85
Positive
23.53
Positive
Market Momentum
0.30
Positive
54.34
Neutral
37.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNB, the sentiment is Positive. The current price of 24.51 is above the 20-day moving average (MA) of 24.43, above the 50-day MA of 24.02, and above the 200-day MA of 23.53, indicating a bullish trend. The MACD of 0.30 indicates Positive momentum. The RSI at 54.34 is Neutral, neither overbought nor oversold. The STOCH value of 37.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UNB.
Union Bankshares Risk Analysis
Union Bankshares disclosed 42 risk factors in its most recent earnings report. Union Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Union Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $112.13M | 9.75 | 9.28% | 1.81% | 8.55% | 25.00% | |
68 Neutral | $113.27M | 14.53 | 6.99% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $138.94M | 31.86 | 2.44% | 0.88% | 15.21% | 2015.08% | |
59 Neutral | $114.66M | 9.61 | 14.94% | 6.08% | 11.40% | 29.64% | |
58 Neutral | $107.10M | -24.77 | -2.73% | 1.51% | -11.57% | -191.02% | |
54 Neutral | $116.20M | 53.99 | 1.47% | ― | 23.30% | ― |
* Financial Sector Average
UNB
Union Bankshares
24.85
-1.41
-5.37%
MGYR
Magyar Bancorp
17.35
0.85
5.13%
RVSB
Riverview Bancorp
5.28
-0.33
-5.95%
SFBC
Sound Financial Bancorp
44.14
-1.02
-2.27%
BSBK
Bogota Financial
9.04
1.03
12.86%
SRBK
SR Bancorp, Inc.
18.93
4.47
30.95%
Union Bankshares Corporate Events
Executive/Board ChangesShareholder Meetings
Union Bankshares Names New Board Chair After Retirement
Positive
May 21, 2026
At Union Bankshares’ annual shareholder meeting on May 20, 2026, long-time director and Board Chair Cornelius J. Van Dyke retired under the company’s mandatory retirement-age bylaws, prompting a leadership reshuffle in the boardroom. C...
DividendsFinancial Disclosures
Union Bankshares Reports Strong Q1 Earnings and Dividend
Positive
Apr 15, 2026
Union Bankshares, Inc., the Morrisville, Vt.-based parent of Union Bank, focuses on community banking and wealth management across northern Vermont and New Hampshire, with particular strength in residential mortgages and SBA lending. The instituti...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.