Union Bankshares Inc (UNB)

Union Bankshares, Inc. is the bank holding company for Union Bank, a U.S. banking institution that serves retail, commercial, and municipal clients. Through its banking franchise, the company provides a broad range of deposit products, including checking, savings, money market, IRA, health savings, and certificate of deposit accounts. Its lending activities include commercial real estate, business-purpose loans, SBA-guaranteed lending, residential construction and mortgage loans, municipal financing, and home improvement credit. Union Bankshares also offers cash management, merchant card, remote deposit capture, online mortgage application tools, consumer deposit account opening, and digital banking services such as bill pay. Additional offerings include business checking, letters of credit, safe deposit boxes, ATM and debit card services, and wealth management, fiduciary, and trust services. Founded in 1891 and headquartered in Morrisville, Vermont, the company’s common stock trades on NASDAQ under the symbol UNB.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-UNB
$26.50
10.6% Upside
Fair
Not available
Not available
Fair
6.0%
October 21, 2026
9.8x
1.3x
2.1x
118.5 M
74.9%
78.8%
-0.9
53.9%
172.4%
Valuation • Fair Value

Union Bankshares Inc (NASDAQ-UNB) Fair Value by Valuation Model

Review the available estimates for Union Bankshares Inc (NASDAQ-UNB), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$26.50

Estimated upside of 10.6% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$27.17

Classic Ben Graham valuation formula reference.

DDM Fair Value

$31.79

Dividend discount model valuation reference.

Comps Fair Value

$24.74

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Union Bankshares Inc (NASDAQ-UNB) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Union Bankshares Inc (NASDAQ-UNB)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

57.026 M

Current operating scale indicator.

Revenue Forecast

57.709 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Union Bankshares Inc (NASDAQ-UNB) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Union Bankshares Inc (NASDAQ-UNB)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Altman Z-Score

-0.9

Lower score that deserves closer risk review.

FCF / Net Income

172.4%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Union Bankshares Inc (NASDAQ-UNB). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Union Bankshares Inc (NASDAQ-UNB)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 21, 2026

Days to Earnings

33

Dividend Yield

6.0%

Current income yield reference.

Payout Ratio

53.9%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Union Bankshares Inc (NASDAQ-UNB), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Union Bankshares Inc (NASDAQ-UNB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Union Bankshares Inc (NASDAQ-UNB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Union Bankshares Inc (NASDAQ-UNB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Sell

The weekly technical read for Union Bankshares Inc (NASDAQ-UNB) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Sell

The monthly technical read for Union Bankshares Inc (NASDAQ-UNB) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Union Bankshares Inc (NASDAQ-UNB) Stock FAQ

Data-supported answers about Union Bankshares Inc (NASDAQ-UNB), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$26.50
Estimated upside 10.6%
Valuation Rating
Undervalued
Estimated upside of 10.6%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Union Bankshares Inc (NASDAQ-UNB) is $26.50. This implies an estimated upside of 10.6% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 10.6% versus the current market price.

The current financial health read for Union Bankshares Inc (NASDAQ-UNB) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Union Bankshares Inc (NASDAQ-UNB) is October 21, 2026.

Based on the current data, dividend yield is 6.0%.

The current P/E ratio listed for Union Bankshares Inc (NASDAQ-UNB) is 9.8x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Union Bankshares Inc is 118.5 M.

The ticker symbol for Union Bankshares Inc is NASDAQ-UNB, and the stock is listed on NASDAQ.

Union Bankshares Inc (NASDAQ-UNB) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Union Bankshares Inc is 74.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Union Bankshares Inc is 78.8%. Free float helps investors understand how much of the share base is available for public trading.