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UNB Stock Chart & Stats
$24.80
$0.13(0.53%)
At close: 4:00 PM EDT
$24.80
$0.13(0.53%)
Day’s Range― - ―
52-Week Range$20.65 - $27.30
Previous Close$24.8
Volume22.92K
Average Volume (3M)14.99K
Market Cap
$121.62M
Enterprise Value$464.12
Total Cash (Recent Filing)$6.52M
Total Debt (Recent Filing)$353.40M
Price to Earnings (P/E)9.4
Beta0.64
Next Earnings
Oct 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.86%
Share Statistics
EPS (TTM)2.61
Shares Outstanding4,945,868
10 Day Avg. Volume26,096
30 Day Avg. Volume14,995
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Bulls Say, Bears Say
Bulls Say
NII-driven Business ModelA core reliance on net interest income and traditional banking products (commercial, CRE, residential and consumer lending) supports predictable revenue generation. Durable deposit funding and loan spread economics underpin stable earnings over economic cycles, benefiting long-term cash generation.
Consistent Revenue GrowthSustained top-line growth from 2021–2025 and modest TTM improvement show continued market traction and client activity. Persistent revenue momentum supports profit sustainability and provides a foundation for reinvestment, credit absorption and fee-income expansion over the medium term.
Healthy Returns On EquityMid-teens ROE indicates effective capital deployment and profitable lending/fee mix. This level of return supports dividend capacity and retention for growth, and signals that management can generate attractive shareholder returns if asset quality and leverage remain controlled.
Bears Say
Elevated LeverageA dramatic increase in leverage materially reduces financial flexibility and raises sensitivity to interest-rate, funding and credit shocks. Higher debt-to-equity elevates rollover and capital risk, tightening regulatory and liquidity buffers and increasing the probability that adverse cycles will strain capital ratios.
Negative Operating & Free Cash Flow TTMThe divergence between accrual net income and negative operating/free cash flow signals weaker earnings quality or working-capital pressure. Persistent cash burn impairs ability to fund dividends, capital needs or debt service without external funding, heightening refinancing and liquidity risk.
Governance Concentration RiskConsolidating CEO and Chair concentrates strategic control and can weaken independent oversight despite a Lead Independent Director. Over time this structure raises succession, conflict and governance risks that could slow corrective action or risk-management responses during stress events.
Union Bankshares News
UNB FAQ
What was Union Bankshares Inc’s price range in the past 12 months?
Union Bankshares Inc lowest stock price was $20.65 and its highest was $27.30 in the past 12 months.
What is Union Bankshares Inc’s market cap?
Union Bankshares Inc’s market cap is $121.62M.
When is Union Bankshares Inc’s upcoming earnings report date?
Union Bankshares Inc’s upcoming earnings report date is Oct 21, 2026 which is in 67 days.
How were Union Bankshares Inc’s earnings last quarter?
Union Bankshares Inc released its earnings results on Jul 15, 2026. The company reported $0.605 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Union Bankshares Inc overvalued?
According to Wall Street analysts Union Bankshares Inc’s price is currently Overvalued.
Does Union Bankshares Inc pay dividends?
Union Bankshares Inc pays a Quarterly dividend of $0.36 which represents an annual dividend yield of 5.86%. See more information on Union Bankshares Inc dividends here
What is Union Bankshares Inc’s EPS estimate?
Union Bankshares Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Union Bankshares Inc have?
Union Bankshares Inc has 4,945,868 shares outstanding.
What happened to Union Bankshares Inc’s price movement after its last earnings report?
Union Bankshares Inc reported an EPS of $0.605 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 2.013%.
Which hedge fund is a major shareholder of Union Bankshares Inc?
Currently, no hedge funds are holding shares in UNB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Union Bankshares Stock Smart Score
Neutral
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Blogger Sentiment
Bullish
UNB Sentiment 75%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $4.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.69%
12-Months-Change
Fundamentals
Return on Equity
5.86%
Trailing 12-Months
Asset Growth
5.30%
Trailing 12-Months
Company Description
Union Bankshares Inc
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 Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking accounts, complemented by standby letters of credit. Additional services include asset management, fiduciary, and trust provisions. Customers manage their finances through a network of 18 banking offices, 3 loan centers, and numerous ATMs, supported by extensive telephone, internet, and mobile banking capabilities, debit cards, and online mortgage application services.
Technical Analysis
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Ownership Overview
2.74% Insiders
6.22% Mutual Funds
5.30% Other Institutional Investors
81.93% Public Companies and
Individual Investors