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Union Bankshares, Inc. (UNB)
:UNB
US Market
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Union Bankshares (UNB) AI Stock Analysis

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UNB

Union Bankshares

(NASDAQ:UNB)

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Neutral 56 (OpenAI - 4o)
Rating:56Neutral
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 (UNB) vs. SPDR S&P 500 ETF (SPY)

Union Bankshares Business Overview & Revenue Model

Company DescriptionUnion 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 MoneyUnion 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
65
Positive
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
55
Neutral
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
50
Neutral
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue73.53M76.42M66.11M52.42M51.34M51.95M
Gross Profit48.26M45.90M47.34M47.90M47.77M44.61M
EBITDA11.17M10.72M14.52M17.05M17.71M17.29M
Net Income9.22M8.76M11.26M12.62M13.17M12.80M
Balance Sheet
Total Assets1.48B1.53B1.47B1.34B1.21B1.09B
Cash, Cash Equivalents and Short-Term Investments370.00M188.92M283.50M271.20M285.67M123.88M
Total Debt305.70M278.45M81.94M66.20M16.17M7.16M
Total Liabilities1.41B1.46B1.40B1.28B1.12B1.01B
Stockholders Equity71.30M66.48M65.81M55.22M84.34M80.87M
Cash Flow
Free Cash Flow10.23M11.08M7.25M28.37M25.68M-8.07M
Operating Cash Flow11.39M12.15M9.19M29.03M29.19M-7.06M
Investing Cash Flow-79.84M-124.83M-82.25M-207.58M-190.01M-125.91M
Financing Cash Flow67.21M50.85M112.84M150.51M103.97M204.61M

Union Bankshares Technical Analysis

Technical Analysis Sentiment
Negative
Last Price25.00
Price Trends
50DMA
25.04
Negative
100DMA
25.86
Negative
200DMA
27.93
Negative
Market Momentum
MACD
-0.44
Positive
RSI
27.48
Positive
STOCH
6.87
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 Risk Analysis

Union Bankshares disclosed 39 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
$109.54M10.938.68%1.71%18.82%35.00%
$18.00B11.429.92%3.81%9.73%1.22%
$113.04M11.246.52%1.71%2.85%73.57%
$107.47M22.882.90%1.58%8.77%369.81%
$100.63M11.136.19%14.58%7.73%
$116.02M23.731.91%1.02%26.46%
$112.65M-0.25%-12.23%83.58%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
UNB
Union Bankshares
22.11
-5.50
-19.92%
MGYR
Magyar Bancorp
16.98
4.90
40.56%
RVSB
Riverview Bancorp
5.13
0.46
9.85%
SFBC
Sound Financial Bancorp
44.05
-8.03
-15.42%
BSBK
Bogota Financial
8.55
0.47
5.82%
SRBK
SR Bancorp, Inc.
14.75
3.87
35.57%

Union Bankshares Corporate Events

Union Bankshares Reports Strong Q3 2025 Earnings
Oct 16, 2025

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.

Business Operations and StrategyDividendsFinancial Disclosures
Union Bankshares Declares Quarterly Dividend Amid Growth
Positive
Oct 15, 2025

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.

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.Date of analysis: Oct 28, 2025