Union Bankshares, Inc. (UNB)

NASDAQ: UNB · USD

$22.8

+0.24 (+1.1%)· Recorded snapshot

Market cap	112.8M
Revenue (ttm)	57.8M
Net income (ttm)	12.4M
EPS (ttm)	$2.61
Shares out	4.9M
P/E (trailing)	8.7x
Dividend	$1.44 (6.31%)
Volume	3,434.915
Beta	0.27

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 57.8M
Net income (ttm): 12.4M
EPS (ttm): $2.61
P/E (trailing): 8.7x
Market cap: 112.8M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	Achat fort
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	Achat fort
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	Conserver

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 14:30 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E8.7

P25 n/aP50 n/aP75 n/a

ROE15.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All UNB indicators

Market & fundamental data

Available fields

241

Groups with data

Currency

USD

Showing 241 of 241 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000706863
Company name	Union Bankshares, Inc.
Country	United States
Country code	US
CUSIP number	905400107
Earnings date	2026-10-21
Earnings time	amc
Employees	195
Employees change	4
Employees growth	2.09%
Enterprise value	$369.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1891
Industry	Banks - Regional
IPO date	1998-06-11
Is primary listing	Yes
Is SPAC	No
ISIN number	US9054001071
Last 10-K release date	2026-03-20
Last earnings date	2026-10-21
Last refreshed	2026-11-04
Last stock split date	2003-08-11
Last stock split type	Forward
Market cap	$112.8M
Market cap category	Micro-Cap
Next earnings date	2027-01-20
Options	No
Price	$22.81
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-11-03
Symbol	UNB
U.S. state	Vermont
Website	https://www.ublocal.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	14.79x
Average P/E ratio (3Y)	11.68x
Average P/E ratio (5Y)	10.56x
Earnings yield	11.45%
EV/Earnings	29.73x
EV/FCF	17.72x
EV/Sales	6.4x
FCF / EV yield	5.64%
FCF yield	18.51%
Graham number	30.76824
Graham upside	34.89%
Industry forward P/E	9.91x
Industry P/E	11.76x
Lynch fair value	$13.06
Lynch upside	-42.75%
P/B ratio	1.42x
P/E ratio	8.73x
P/FCF ratio	5.4x
P/OCF ratio	5.03x
P/S ratio	1.95x
Price / tangible book value	1.43x
Sector forward P/E	13.8x
Sector P/E	15.89x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	10.53%
FCF margin	36.61%
Operating margin	24.02%
Pretax margin	24.07%
Profit margin	21.53%
Profit per employee	$63,815
Profitable quarters	30
Profitable years	29
Revenue per employee	$296,338
ROA	0.78%
ROA (5Y)	0.85%
ROE	15.9%
ROE (5Y)	16.18%
Tax / revenue	2.53%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	5.78%
EPS growth (Q)	2.67%
EPS growth (QoQ)	28.33%
EPS growth 10Y	3.71%
EPS growth 3Y	0.55%
EPS growth 5Y	-2.8%
EPS growth quarters	2
EPS growth years	1
FCF growth	104.18%
FCF growth 3Y	5.75%
FCF growth 5Y	8.11%
Net income growth	9.8%
Net income growth (Q)	9.66%
Net income growth (QoQ)	28.86%
Net income growth 3Y	2.22%
Net income growth 5Y	-1.74%
Net income growth quarters	2
Net income growth years	1
OCF growth	96.87%
OCF growth 10Y	11.84%
OCF growth 3Y	6.75%
OCF growth 5Y	5.23%
Revenue growth	10%
Revenue growth (Q)	5.36%
Revenue growth (QoQ)	1.8%
Revenue growth 10Y	5.47%
Revenue growth 3Y	5.73%
Revenue growth 5Y	3.48%
Revenue growth quarters	7
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.5M
EPS	$2.61
FCF per share	$4.22
Financing cash flow	$59.2M
Free cash flow	$20.9M
Gross profit	$57.8M
Income taxes	$1.5M
Investing cash flow	$-79.9M
Net borrowing	$66.4M
Net cash flow	$1.7M
Net income	$12.4M
Operating income	$13.9M
Revenue	$57.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$16.11
Debt / equity	3.65
Debt / FCF	13.77
Net cash (debt)	$-257.1M
Net cash / market cap	-227.91%
Net debt / equity	3.26
Net debt / FCF	12.31
Piotroski F-Score	4
Property, plant and equipment	$21.1M
Shareholders' equity	$78.8M
Tangible book value	$78.8M
Tangible book value per share	$16.11
Total assets	$1.6B
Total cash	$30.3M
Total debt	$287.4M
Total liabilities	$1.6B
WACC	1.62%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.2B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-3.93%
Dividend growth	0%
Dividend growth (10Y)	2.64%
Dividend growth (3Y)	0%
Dividend growth (5Y)	1.76%
Dividend growth years	0
Dividend payment date	2026-11-05
Dividend payment years	29
Dividend payout frequency	Quarterly
Dividend per share	$1.44
Dividend yield	6.31%
Ex-dividend date	2026-10-30
FCF payout ratio	34.11%
Last dividend	$0.36
Payout ratio	55.14%
Shareholder yield	2.38%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-31.09%
10Y return CAGR	0.73%
10Y total return	7.58%
150-day SMA	$23.90
15Y price change	21.14%
15Y return CAGR	5.87%
15Y total return	135.42%
1D price change	1.06%
1M price change	-0.96%
1M total return	0.57%
1W price change	-2.73%
1W total return	-1.23%
1Y price change	-0.04%
1Y return CAGR	6.04%
1Y total return	6.03%
20-day SMA	$23.04
200-day SMA	$23.94
20Y price change	8.57%
20Y return CAGR	5.28%
20Y total return	179.92%
3M price change	-0.96%
3M total return	0.57%
3Y price change	-15.44%
3Y return CAGR	-0.28%
3Y total return	-0.84%
50-day SMA	$23.34
50-day SMA vs 200-day SMA	50under200
52-week high	$26.41
52-week high date	2026-06-26
52-week low	$20.65
52-week low date	2025-11-14
5Y price change	-29.34%
5Y return CAGR	-1.6%
5Y total return	-7.74%
6M price change	-8.87%
6M total return	-6.1%
After-hours change	2.32%
After-hours close	$22.81
After-hours price	$23.34
All-time high	$55.00
All-time high date	2017-12-18
All-time low	$8.67
All-time low date	1998-06-11
Average true range (ATR)	$0.44
Average volume	5.3K
Beta (1Y)	-0.11
Beta (2Y)	0.62
Beta (5Y)	0.27
Change from 52-week high	-13.63%
Change from 52-week low	10.46%
Change from all-time high	-58.53%
Change from all-time low	163.18%
Change from open	-1.51%
Day's gap	2.61%
Dollar volume	$78,350
High price	$23.16
Low price	$22.81
Monthly RSI	43.45
Open price	$23.16
Position in 52-week range	0%
Previous close	$22.57
Price vs 150-day SMA	-4.55%
Price vs 20-day SMA	-1.01%
Price vs 200-day SMA	-4.72%
Price vs 50-day SMA	-2.27%
Relative volume	0.65
RSI	43.92
Sharpe ratio	0.21
Sharpe ratio (3Y)	0.11
Sharpe ratio (5Y)	0.02
Sortino ratio	0.51
Sortino ratio (3Y)	0.32
Sortino ratio (5Y)	0.2
Volume	3.4K
Weekly RSI	41.88
YTD price change	-3.88%
YTD total return	1.97%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	3.9M
Float percentage	78.81%
Shares change (QoQ)	1.26%
Shares change (YoY)	3.93%
Shares held by insiders	21.19%
Shares held by institutions	22.29%
Shares outstanding	4.9M
Short % of float	0.51%
Short % of shares	0.4%
Short ratio	5.3 days

Deeper analysis on UNB

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this UNB report

Is a complete UNB research report available?

No complete published report is available for Union Bankshares, Inc. (UNB) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Union Bankshares, Inc. (UNB)

Price

Financial snapshot

Fair-value bridge

Latest news · UNB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All UNB indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on UNB

Frequently asked questions