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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.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

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 Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-UNB
$29.11
16.4% Upside
Fair
—
—
—
Fair
July 27, 2026
August 6, 2026
1.44
5.6%
July 22, 2026
9.5x
1.3x
2.0x
117.6 M
—
75.0%
77.1%
-0.7
—
119.8%
Valuation • Fair Value

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

Compare the primary fair value estimate for Union Bankshares Inc (NASDAQ-UNB) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$29.11

Estimated upside of 16.4% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$29.13

Classic Ben Graham valuation formula reference.

DDM Fair Value

$36.93

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$26.50

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Union Bankshares Inc (NASDAQ-UNB) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

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

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

57.026 M

Current operating scale indicator.

Revenue Forecast

57.709 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

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 financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-0.7

Lower score that deserves closer risk review.

FCF / Net Income

119.8%

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 next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 22, 2026

Days to Earnings

1

Dividend Payment Date

August 6, 2026

Ex-Dividend Date

July 27, 2026

Dividend Yield

5.6%

Income yield reference.

Upcoming Dividend

1.44

Upcoming distribution amount.

Payment Type

Cash

Distribution type as reported in the data.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

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.

Stock Forecast • Technical Outlook

Union Bankshares Inc (NASDAQ-UNB) Stock Forecast & Technical Outlook

Review Union Bankshares Inc (NASDAQ-UNB) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

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 Sell

The 15-minute technical read for Union Bankshares Inc (NASDAQ-UNB) is currently Strong 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: 1-hour • short-term
Sell

The 1-hour 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: daily • daily
Buy

The daily technical read for Union Bankshares Inc (NASDAQ-UNB) is currently 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
Strong Buy

The weekly 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: 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.

Analyst Consensus for Union Bankshares Inc (NASDAQ-UNB)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Union Bankshares Inc (NASDAQ-UNB) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

Union Bankshares Inc (NASDAQ-UNB) Stock FAQ

Quick answers about Union Bankshares Inc (NASDAQ-UNB) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$29.11
Estimated upside 16.4%
Valuation Rating
Undervalued
Estimated upside of 16.4%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Fair
Current financial-health read

The current fair value estimate for Union Bankshares Inc (NASDAQ-UNB) is $29.11. This implies an estimated upside of 16.4% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 16.4% versus the current market price.

An analyst price target for Union Bankshares Inc (NASDAQ-UNB) is not currently available in the latest data file.

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 July 22, 2026.

Based on the current data, dividend yield is 5.6%, upcoming dividend amount is 1.44, ex-dividend date is July 27, 2026, payment date is August 6, 2026.

The current P/E ratio listed for Union Bankshares Inc (NASDAQ-UNB) is 9.5x. 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 117.6 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 75.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Union Bankshares Inc is 77.1%. Free float helps investors understand how much of the share base is available for public trading.

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