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Union Bankshares
(NASDAQ:UNB)
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Rating:60Neutral
Price Target:
$24.50
▼(-1.21% Downside)
Action:Reiterated
Date:08/08/26
UNB scores moderately due to mixed financial fundamentals: solid revenue/profitability are outweighed by elevated leverage and a concerning TTM move to negative operating/free cash flow. Technicals are also mildly bearish with weak momentum. Offsetting these risks, valuation is attractive with a low P/E and high dividend yield, while recent corporate governance changes look stable but add some concentration risk.
Positive Factors
NII-driven business model
A core reliance on net interest income and traditional banking products (commercial, CRE, residential and consumer lending) supports predictable revenue generation. Durable deposit funding and loan spread economics underpin stable earnings over economic cycles, benefiting long-term cash generation.
Negative Factors
Elevated leverage
A dramatic increase in leverage materially reduces financial flexibility and raises sensitivity to interest-rate, funding and credit shocks. Higher debt-to-equity elevates rollover and capital risk, tightening regulatory and liquidity buffers and increasing the probability that adverse cycles will strain capital ratios.
Read all positive and negative factors
Positive Factors
Negative Factors
NII-driven business model
A core reliance on net interest income and traditional banking products (commercial, CRE, residential and consumer lending) supports predictable revenue generation. Durable deposit funding and loan spread economics underpin stable earnings over economic cycles, benefiting long-term cash generation.
Read all positive factors
Union Bankshares (UNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$119.44M
Dividend Yield5.93%
Average Volume (3M)14.99K
Price to Earnings (P/E)9.3
Beta (1Y)0.67
Revenue Growth10.15%
EPS Growth28.62%
CountryUS
Employees195
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.61
Shares Outstanding4,945,868
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
74
Positive
Balance Sheet
52
Neutral
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 90.35M | 87.30M | 77.94M | 67.28M | 53.07M | 52.24M |
| Gross Profit | 57.05M | 53.73M | 47.42M | 48.51M | 48.55M | 48.67M |
| EBITDA | 14.73M | 13.66M | 10.72M | 14.52M | 17.05M | 17.71M |
| Net Income | 12.12M | 11.10M | 8.76M | 11.26M | 12.62M | 13.17M |
Balance Sheet | ||||||
| Total Assets | 1.56B | 1.62B | 1.53B | 1.47B | 1.34B | 1.21B |
| Cash, Cash Equivalents and Short-Term Investments | 6.52M | 12.30M | 188.92M | 283.50M | 271.20M | 285.67M |
| Total Debt | 353.40M | 302.79M | 275.97M | 81.94M | 66.20M | 16.17M |
| Total Liabilities | 1.47B | 1.54B | 1.46B | 1.41B | 1.28B | 1.12B |
| Stockholders Equity | 90.41M | 80.86M | 66.48M | 65.81M | 55.22M | 84.34M |
Cash Flow | ||||||
| Free Cash Flow | -20.45M | 15.97M | 11.08M | 7.25M | 28.37M | 25.68M |
| Operating Cash Flow | -18.90M | 17.23M | 12.15M | 9.19M | 29.03M | 29.19M |
| Investing Cash Flow | -38.53M | -88.33M | -124.83M | -82.25M | -207.58M | -190.01M |
| Financing Cash Flow | 59.15M | 67.57M | 50.85M | 112.84M | 150.51M | 103.97M |
Union Bankshares Technical Analysis
Positive
24.80
Price Trends
24.07
Positive
23.82
Positive
23.31
Positive
Market Momentum
0.07
Negative
52.85
Neutral
73.97
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 24.8 is above the 20-day moving average (MA) of 23.90, above the 50-day MA of 24.07, and above the 200-day MA of 23.31, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 52.85 is Neutral, neither overbought nor oversold. The STOCH value of 73.97 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $125.88M | 10.22 | 9.59% | 1.81% | 7.51% | 20.96% | |
72 Outperform | $120.72M | 15.18 | 7.31% | 1.78% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $148.48M | 45.46 | 1.80% | 1.10% | 6.46% | 1.90% | |
60 Neutral | $119.44M | 9.31 | 14.72% | 5.81% | 10.15% | 28.62% | |
58 Neutral | $117.04M | 44.05 | 1.47% | ― | 21.45% | ― | |
51 Neutral | $102.56M | -26.62 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
UNB
Union Bankshares
24.29
-1.04
-4.11%
MGYR
Magyar Bancorp
19.42
2.52
14.88%
RVSB
Riverview Bancorp
5.09
0.17
3.56%
SFBC
Sound Financial Bancorp
47.68
0.34
0.71%
BSBK
Bogota Financial
9.25
0.06
0.65%
SRBK
SR Bancorp, Inc.
20.38
6.06
42.34%
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...
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.