Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

UNB stock hub

Union Bankshares, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

Browse stocks

UNBis not in this month’s coverageGet our monthly research letter — no spam

Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

111.6M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

UNB

In the news

Latest news · UNB

Recent company headlines from major financial publishers.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 8.8P50 10.4P75 13.1

Trailing P/E9.6

P25 10.9P50 14.7P75 36.2

ROE15.4

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All UNB market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

217

Groups with data

Currency

USD

Showing 217 of 217 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0000706863
Company name	Union Bankshares, Inc.
Country	United States
Country code	US
Cusip	905400107
Employees	195
Employees Change	4%
Employees Change Percent	2.09
Enterprise value	$401.1M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	1998-06-11
Isin	US9054001071
Last refreshed	2026-05-10
Market cap	$111.6M
Market cap category	Micro-Cap
Price	$24.18
Price currency	USD
Rev Per Employee	283,702.56x
Sector	Financials
Sic	6022
Symbol	UNB
Website	https://www.ublocal.com

Valuation

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

Metric	Value
Earnings Yield	10.38%
EV Earnings	34.63x
EV/FCF	25.11x
EV/Sales	7.25x
FCF yield	14.32%
P/B ratio	1.39x
P/E ratio	9.64x
P/S ratio	2.02x
PE Ratio10 Y	15.48x
PE Ratio3 Y	11.35x
PE Ratio5 Y	10.77x

Profitability

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

Metric	Value
FCF margin	28.87%
Gross Profit	$55.3M
Net Income	$11.6M
Net Income Growth	26.47%
Net Income Growth Q	-8.43%
Net Income Growth Years	1%
Net Income Growth3 Y	-4.23%
Net Income Growth5 Y	-2.85%
Pretax Margin	22.94%
Profit Margin	20.94%
Profit Per Employee	$59,400
Profitable Years	29
ROA	0.74
Roa5y	0.85
ROE	15.38
Roe5y	16.18

Growth

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

Metric	Value
Cagr10y	2.6%
Cagr15y	6.01%
Cagr1y	-25.09%
Cagr20y	5.64%
Cagr3y	10.7%
Cagr5y	-1.67%
Div CAGR10	2.82%
Div CAGR3	0.47%
Div CAGR5	2.07%
EPS Growth	25.52
EPS Growth Q	-10.12
EPS Growth Years	1
EPS Growth3 Y	-4.76
EPS Growth5 Y	-3.3
FCF Growth	44.15%
FCF Growth Q	-48.72%
FCF Growth3 Y	-17.42%
OCF Growth	41.76%
OCF Growth Q	-44.99%
OCF Growth10 Y	2.75%
OCF Growth3 Y	-15.97%
Revenue Growth	14.12x
Revenue Growth Q	9.93x
Revenue Growth Quarters	5x
Revenue Growth Years	1x
Revenue Growth3 Y	3.24x
Revenue Growth5 Y	3.41x

Financial strength

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

Metric	Value
Assets	$1.6B
Cash	$37.8M
Debt	$327.3M
Debt FCF	$20.49
Equity	$80.6M
Liabilities	$1.5B
Net Cash	$-289.5M
Net Cash By Market Cap	$-259
Net Debt Equity	$3.59
Net Debt FCF	$18.13
Tangible Book Value	$80.6M
Tangible Book Value Per Share	$17.43
WACC	1.51

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-1.1B

Dividends and buybacks

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

Metric	Value
Buyback Yield	-0.83%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	$1.44
Dividend Years	29
Dividend Yield	5.96%
Ex Div Date	2026-04-27
Last Dividend	$0.36
Payout Frequency	Quarterly
Payout Ratio	57.38%

Performance and technicals

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

Metric	Value
10Y total return	29.26%
1Y total return	-25.08%
200-day SMA	24.54
3Y total return	35.68%
50-day SMA	24.08
50-day SMA vs 200-day SMA	50under200
5Y total return	-8.09%
All Time High	55
All Time High Change	-56.04%
All Time High Date	2017-12-18
All Time Low	8.67
All Time Low Change	178.99%
All Time Low Date	1998-06-11
ATR	0.69
Beta	0.31
Beta1y	0.56
Beta2y	0.65
Ch YTD	1.9
High	24.5
High52	36
High52 Date	2025-05-14
High52ch	-32.83%
Low	24.16
Low52	20.65
Low52 Date	2025-11-14
Low52ch	17.09%
Ma50ch	0.42%
Price vs 200-day SMA	-1.46%
RSI	47.19
RSI Monthly	45.5
RSI Weekly	48.36
Sharpe ratio	-0.84x
Sortino ratio	-0.99
Total Return	5.13%
Tr YTD	4.91
Tr15y	139.96%
Tr1m	3.27%
Tr1w	-3.4%
Tr3m	-1.22%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$12.7M
Operating margin	22.89

Ownership and float

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

Metric	Value
Float	3,794,763%
Float Percent	82.24%
Net Borrowing	26,785,000
Shares Insiders	17.76%
Shares Institutions	23.78%
Shares Out	4,614,052
Shares Qo Q	-0.42%
Shares Yo Y	0.83%
Short Float	2.64%
Short Ratio	17.04
Short Shares	2.17

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$16M
Average Volume	5,513.75x
Bv Per Share	17.43
Ch10y	-16.1
Ch15y	24
Ch1m	1.77
Ch1w	-3.4
Ch1y	-29.17
Ch20y	16.81
Ch3m	-2.66
Ch3y	15.81
Ch5y	-28.95
Ch6m	3.73
Change	-1.51%
Change From Open	-1.19
Close	24.55
Days Gap	-0.33
Dollar Volume	142,163.6
Earnings Date	2026-04-15
EPS	$2.51
F Score	2
FCF	$16M
FCF EV Yield	3.98x
FCF Per Share	$3.46
Fiscal Year End	December
Founded	1,891
Graham Number	31.37298
Graham Upside	29.75
Income Tax	$1.1M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-15
Last Report Date	2025-12-31
Last Split Date	2003-08-11
Last Split Type	Forward
Last10k Filing Date	2026-03-20
Lynch Fair Value	$12.55
Lynch Upside	-48.11
Ma150	23.94
Ma150ch	0.99%
Ma20	24.63
Ma20ch	-1.82%
Next Earnings Date	2026-07-15
Open	24.47
Optionable	No
P FCF Ratio	6.99
Payment Date	2026-05-07
Position In Range	5.88
Post Close	24.18
Postmarket Change Percent	1.99
Postmarket Price	$24.66
Ppne	22,041,000
Price Date	2026-05-08
Ptbv Ratio	1.38
Relative Volume	1.07x
Revenue	55,322,000x
Tax By Revenue	2x
Tax Rate	8.72%
Tr20y	199.67%
Tr6m	6.8%
Us State	Vermont
Volume	5,879.4

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

UNB dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+6.0%

$1.44 annual per share

Payout ratio

+57.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+2.1%

0 consecutive years of growth

Total shareholder yield

+5.1%

Next ex-dividend date: 2026-04-27

Performance

UNB stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns UNB?

Insider, institutional, and short-interest positioning.

Institutional ownership

+23.8%

Float: +82.2% of shares outstanding

Insider ownership

+17.8%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

UNB momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

47.2

Neutral momentum band

Price vs 200-day MA

-1.5%

50/200-day relationship not available

Beta (5Y)

0.31

Less volatile than the market

Sharpe ratio

-0.84

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

UNB vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	घटाएँ
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	घटाएँ
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	घटाएँ

Questions

About UNB

Hub-level FAQ points readers to the deeper analysis pages.

What is the current UNB stock rating?

Union Bankshares, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full UNB analysis?

The full report lives at /stocks/UNB/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for UNB?

The latest report frames UNB around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the UNB page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.