Union Bankshares (UNB) AI Stock Analysis

Union Bankshares

(NASDAQ:UNB)

Select Model

Rating:60Neutral

Price Target:$24.00▲(3.85% Upside)

Action:reiterated

Date:10/22/26

The score is primarily constrained by weak cash flow, elevated leverage, and negative technical momentum. Attractive valuation, strong dividend income, continued earnings growth, and solid asset quality provide meaningful support.

Positive Factors

Steady Revenue and ProfitabilitySteady 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 LeverageThe 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.

Union Bankshares (UNB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $111.63M
Dividend Yield: 6.38%
Average Volume (3M): 5,019
Price to Earnings (P/E): 8.6
Beta (1Y): 0.62
Revenue Growth: 3.17%
EPS Growth: 5.55%
Country: US
Employees: 195
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 Vermont...

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 asset...

Union Bankshares Financial Statement Overview

Summary

Revenue and earnings continue to grow, but elevated debt-to-equity of 3.68x and negative TTM operating and free cash flow of approximately $28.4M and $28.9M materially weaken the overall financial profile.

Income Statement

68Positive

Balance Sheet

58Neutral

Cash Flow

42Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	91.03M	87.30M	77.94M	67.28M	53.07M	52.24M
Gross Profit	57.84M	53.73M	47.42M	48.51M	48.55M	48.67M
EBITDA	15.21M	13.66M	10.72M	14.52M	17.05M	17.71M
Net Income	12.46M	11.10M	8.76M	11.26M	12.62M	13.17M
Balance Sheet
Total Assets	1.64B	1.62B	1.53B	1.47B	1.34B	1.21B
Cash, Cash Equivalents and Short-Term Investments	312.41M	12.30M	188.92M	283.50M	271.20M	285.67M
Total Debt	287.41M	302.79M	275.97M	81.94M	66.20M	16.17M
Total Liabilities	1.56B	1.54B	1.46B	1.41B	1.28B	1.12B
Stockholders Equity	78.83M	80.86M	66.48M	65.81M	55.22M	84.34M
Cash Flow
Free Cash Flow	-30.00M	15.97M	11.08M	7.25M	28.37M	25.68M
Operating Cash Flow	-28.61M	17.23M	12.15M	9.19M	29.03M	29.19M
Investing Cash Flow	50.51M	-88.33M	-124.83M	-82.25M	-207.58M	-190.01M
Financing Cash Flow	-26.39M	67.57M	50.85M	112.84M	150.51M	103.97M

Union Bankshares Technical Analysis

Technical Analysis SentimentNegative

Last Price23.11

Price Trends

50DMA23.02Negative

100DMA23.38Negative

200DMA23.23Negative

Market Momentum

MACD-0.01Negative

RSI43.91Neutral

STOCH19.29Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNB, the sentiment is Negative. The current price of 23.11 is above the 20-day moving average (MA) of 22.73, above the 50-day MA of 23.02, and below the 200-day MA of 23.23, indicating a bearish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 43.91 is Neutral, neither overbought nor oversold. The STOCH value of 19.29 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

UNB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	78Outperform	$143.96M	11.17	10.23%	1.68%	8.91%	30.08%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	65Neutral	$115.63M	13.05	7.76%	1.85%	0.49%	26.64%
UNB	60Neutral	$112.91M	8.58	15.07%	6.38%	3.17%	5.55%
BSBK	57Neutral	$116.51M	43.36	1.34%	―	20.94%	444.24%
SRBK	54Neutral	$134.47M	37.73	2.02%	1.14%	9.63%	37.01%
RVSB	51Neutral	$119.92M	-42.05	-2.02%	1.32%	-10.03%	-162.70%

* Financial Sector Average

Performance Comparison

UNB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
UNB	Union Bankshares, Inc.	22.57	0.91	4.20%
MGYR	Magyar Bancorp	22.56	6.10	37.03%
RVSB	Riverview	6.08	0.86	16.43%
SFBC	Sound Financial Bancorp, Inc.	44.23	1.23	2.87%
BSBK	Bogota Financial Corp.	9.28	0.65	7.53%
SRBK	SR Bancorp, Inc.	19.24	4.61	31.53%

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 in...

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.

Date of analysis: Oct 22, 2026

Union Bankshares AI Stock Analysis