Union Bankshares (UNB) AI Stock Analysis

• Market Cap: $113.97M
• Dividend Yield: 6.08%
• Average Volume (3M): 14.99K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.70
• Revenue Growth: 14.52%
• EPS Growth: 27.90%
• Country: US
• Employees: 191
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.59
• Shares Outstanding: 4,614,047
• 10 Day Avg. Volume: 26,096
• 30 Day Avg. Volume: 14,995
• PEG Ratio: 0.39
• Price to Book (P/B): 1.34
• Price to Sales (P/S): 1.24
• P/FCF Ratio: 6.79
• Enterprise Value/Market Cap: 3.62
• Enterprise Value/Revenue: 4.73
• Enterprise Value/Gross Profit: 7.71
• Enterprise Value/Ebitda: 31.13
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 53 Neutral
• Price Target: $23.00 ▼(-6.16% Downside)
• Action: Downgraded Date: 03/21/26
• Date: Action: Downgraded 03/21/26

The score is primarily constrained by weaker financial quality—especially higher balance-sheet leverage and inconsistent cash generation—alongside bearish technicals. These are partly offset by favorable valuation (low P/E and high dividend yield) and a generally positive set of recent corporate updates (stronger full-year results and continued dividends).

Positive Factors

Revenue acceleration (2025)

Consistent revenue acceleration in 2025 indicates durable top-line momentum driven by core banking activities. Sustained revenue growth strengthens loan origination capacity and fee income, improving the firm's ability to cover provisions and invest in operations over the next several quarters.

Negative Factors

Rising leverage

A sharp rise in leverage reduces balance-sheet flexibility in a rate- and credit-sensitive industry. Elevated debt-to-equity increases funding and solvency risk, narrows strategic options, and raises the probability that capital actions or higher provisioning may be needed within several quarters.

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 ...

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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 ...

How the Company Makes Money

UNB primarily makes money through its banking subsidiary by earning interest income and collecting fees. The largest revenue driver is net interest income: the bank earns interest on loans (e.g., commercial, consumer, and real estate lending) and ...

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UNB primarily makes money through its banking subsidiary by earning interest income and collecting fees. The largest revenue driver is net interest income: the bank earns interest on loans (e.g., commercial, consumer, and real estate lending) and ...

Union Bankshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	87.30M	77.94M	67.28M	53.07M	52.24M
Gross Profit	53.73M	47.42M	48.51M	48.55M	48.67M
EBITDA	12.03M	10.72M	14.52M	17.05M	17.71M
Net Income	11.10M	8.76M	11.26M	12.62M	13.17M
Balance Sheet
Total Assets	1.62B	1.53B	1.47B	1.34B	1.21B
Cash, Cash Equivalents and Short-Term Investments	12.30M	188.92M	283.50M	271.20M	285.67M
Total Debt	302.79M	275.97M	81.94M	66.20M	16.17M
Total Liabilities	1.54B	1.46B	1.41B	1.28B	1.12B
Stockholders Equity	80.86M	66.48M	65.81M	55.22M	84.34M
Cash Flow
Free Cash Flow	15.97M	11.08M	7.25M	28.37M	25.68M
Operating Cash Flow	17.23M	12.15M	9.19M	29.03M	29.19M
Investing Cash Flow	-1.45M	-124.83M	-82.25M	-207.58M	-190.01M
Financing Cash Flow	-5.30M	50.85M	112.84M	150.51M	103.97M

Union Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.51
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 24.51 is above the 20-day moving average (MA) of 23.54, above the 50-day MA of 24.03, and above the 200-day MA of 24.38, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 59.94 is Neutral, neither overbought nor oversold. The STOCH value of 84.26 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UNB.

Union Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	75 Outperform	$115.11M	8.58	9.18%	1.81%	12.08%	27.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	65 Neutral	$107.31M	15.59	6.70%	1.75%	2.85%	73.41%
RVSB	60 Neutral	$113.50M	18.92	2.98%	1.51%	8.77%	369.81%
SRBK	59 Neutral	$130.59M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$113.97M	9.78	14.80%	6.08%	14.52%	27.90%
BSBK	50 Neutral	$113.04M	39.11	1.50%	―	-15.09%	―

Union Bankshares Corporate Events