NASDAQ: UNB
Union Bankshares Inc Stock

$30.90-0.44 (-1.4%)
Updated Apr 21, 2025
UNB Price
$30.90
Fair Value Price
-$17.81
Market Cap
$140.24M
52 Week Low
$21.00
52 Week High
$37.70
P/E
15.93x
P/B
2.11x
P/S
2.77x
PEG
N/A
Dividend Yield
4.66%
Revenue
$47.16M
Earnings
$8.76M
Gross Margin
100%
Operating Margin
19.36%
Profit Margin
18.6%
Debt to Equity
21.99
Operating Cash Flow
$12M
Beta
0.44
Next Earnings
N/A
Ex-Dividend
Apr 25, 2025
Next Dividend
May 1, 2025

UNB Overview

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; home improvement loans and overdraft; and residential construction and mortgage loans. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. It operates 18 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine UNB's potential to beat the market

DSell
  • Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More

Zen Rating Component Grades

D
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
F
UNB
Ranked
#217 of 296

Top Ranked Stocks in Industry

View Top Bank Stocks

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Overview

Due Diligence Score

Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how UNB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

UNB ($30.90) is overvalued by 273.48% relative to our estimate of its Fair Value price of -$17.81 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
UNB ($30.90) is not significantly undervalued (273.48%) relative to our estimate of its Fair Value price of -$17.81 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
UNB was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more UNB due diligence checks available for Premium users.

Valuation

UNB fair value

Fair Value of UNB stock based on Discounted Cash Flow (DCF)

Price
$30.90
Fair Value
-$17.81
Undervalued by
273.48%
UNB ($30.90) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
UNB ($30.90) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
UNB was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

UNB price to earnings (PE)

For valuing profitable companies with steady earnings

Company
15.93x
Industry
13.07x
Market
27.14x
UNB is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UNB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

UNB price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
2.11x
Industry
1.07x
UNB is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

UNB's financial health

Profit margin

Revenue
$12.9M
Net Income
$3.0M
Profit Margin
23.3%
UNB's Earnings (EBIT) of $9.13M... subscribe to Premium to read more.
Interest Coverage Financials
UNB's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.5B
Liabilities
$1.5B
Debt to equity
21.99
UNB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
UNB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$5.8M
Investing
-$50.2M
Financing
$13.0M
UNB's operating cash flow ($12.15M)... subscribe to Premium to read more.
Debt Coverage Financials

UNB vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
UNBD$140.24M-1.40%15.93x2.11x
PEBKC$140.66M+0.23%8.37x1.08x
ECBKC$142.10M+0.97%32.69x0.84x
UBFOC$138.22M+1.01%9.31x1.06x
CZWIC$137.26M+1.10%10.25x0.77x

Union Bankshares Stock FAQ

What is Union Bankshares's quote symbol?

(NASDAQ: UNB) Union Bankshares trades on the NASDAQ under the ticker symbol UNB. Union Bankshares stock quotes can also be displayed as NASDAQ: UNB.

If you're new to stock investing, here's how to buy Union Bankshares stock.

What is the 52 week high and low for Union Bankshares (NASDAQ: UNB)?

(NASDAQ: UNB) Union Bankshares's 52-week high was $37.70, and its 52-week low was $21.00. It is currently -18.04% from its 52-week high and 47.14% from its 52-week low.

How much is Union Bankshares stock worth today?

(NASDAQ: UNB) Union Bankshares currently has 4,538,596 outstanding shares. With Union Bankshares stock trading at $30.90 per share, the total value of Union Bankshares stock (market capitalization) is $140.24M.

Union Bankshares stock was originally listed at a price of $13.33 in Aug 9, 1999. If you had invested in Union Bankshares stock at $13.33, your return over the last 25 years would have been 131.76%, for an annualized return of 3.42% (not including any dividends or dividend reinvestments).

How much is Union Bankshares's stock price per share?

(NASDAQ: UNB) Union Bankshares stock price per share is $30.90 today (as of Apr 21, 2025).

What is Union Bankshares's Market Cap?

(NASDAQ: UNB) Union Bankshares's market cap is $140.24M, as of Apr 22, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Union Bankshares's market cap is calculated by multiplying UNB's current stock price of $30.90 by UNB's total outstanding shares of 4,538,596.
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