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Union Bankshares
(NASDAQ:UNB)
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Rating:60Neutral
Price Target:
$24.00
▲(1.01% Upside)
Action:Reiterated
Date:10/22/26
The score is held back primarily by mixed financial quality—especially the TTM shift to negative operating/free cash flow and materially higher leverage—despite solid profitability. Valuation is a meaningful positive (low P/E and high dividend yield), while technicals remain weak with the stock below key moving averages. Corporate news is supportive (stronger results and continued dividend) but not enough to fully offset the balance-sheet and cash-flow risks.
Positive Factors
Steady Revenue and Profitability
Steady revenue expansion through 2025, modest TTM growth, and a positive approximately 13% net margin show that the franchise is converting business activity into earnings. Improving results versus 2024 provide a durable base for reinvestment and support continued profitability.
Negative Factors
Sharp Increase in Leverage
The sharp increase in debt-to-equity materially reduces financial flexibility compared with the bank’s prior position. Greater leverage increases sensitivity to credit and market shocks, while also making balance-sheet management and future capital allocation more constrained if conditions deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady Revenue and Profitability
Steady revenue expansion through 2025, modest TTM growth, and a positive approximately 13% net margin show that the franchise is converting business activity into earnings. Improving results versus 2024 provide a durable base for reinvestment and support continued profitability.
Read all positive factors
Union Bankshares (UNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$113.93M
Dividend Yield6.25%
Average Volume (3M)3.60K
Price to Earnings (P/E)8.8
Beta (1Y)0.61
Revenue Growth3.17%
EPS Growth5.55%
CountryUS
Employees195
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.61
Shares Outstanding4,945,868
10 Day Avg. Volume3,273
30 Day Avg. Volume3,599
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 Cap4.07
Enterprise Value/Revenue5.14
Enterprise Value/Gross Profit8.14
Enterprise Value/Ebitda30.64
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 its banking subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest collected on loans and other interest-earning as...
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 | 15.15M | 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
Neutral
23.76
Price Trends
23.47
Negative
23.71
Negative
23.59
Negative
Market Momentum
-0.15
Negative
47.50
Neutral
32.06
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNB, the sentiment is Neutral. The current price of 23.76 is above the 20-day moving average (MA) of 22.97, above the 50-day MA of 23.47, and above the 200-day MA of 23.59, indicating a neutral trend. The MACD of -0.15 indicates Negative momentum. The RSI at 47.50 is Neutral, neither overbought nor oversold. The STOCH value of 32.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $128.46M | 10.47 | 9.59% | 1.91% | 7.51% | 20.96% | |
68 Neutral | $115.05M | 14.27 | 7.31% | 1.83% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $113.93M | 8.76 | 15.07% | 6.25% | 3.17% | 5.55% | |
57 Neutral | $116.13M | 43.33 | 1.83% | ― | 21.45% | ― | |
55 Neutral | $121.02M | -31.72 | -2.50% | 1.32% | -11.21% | -176.24% | |
54 Neutral | $135.38M | 42.11 | 1.80% | 1.17% | 6.46% | 1.90% |
* Financial Sector Average
UNB
Union Bankshares
23.04
0.05
0.23%
MGYR
Magyar Bancorp
19.90
3.50
21.37%
RVSB
Riverview Bancorp
6.07
0.96
18.83%
SFBC
Sound Financial Bancorp
44.80
0.95
2.16%
BSBK
Bogota Financial
9.10
0.36
4.12%
SRBK
SR Bancorp, Inc.
18.88
4.21
28.72%
Union Bankshares Corporate Events
DividendsFinancial Disclosures
Union Bankshares Declares Quarterly Dividend Amid Strong Results
Positive
Oct 21, 2026
Union Bankshares, Inc. reported solid financial results for the three and nine months ended Sept. 30, 2026, with quarterly net income rising to $3.8 million, or $0.77 per share, from $3.4 million, or $0.75 per share, a year earlier. Nine-month net...
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.