NASDAQ: UNBUnion Bankshares Inc Stock
$24.89-0.09 (-0.36%)
Updated Jan 30, 2026
UNB Price
$24.89
Fair Value Price
N/A
Market Cap
$114.06M
52 Week Low
$20.65
52 Week High
$36.00
P/E
9.96x
P/B
1.47x
P/S
2.15x
PEG
N/A
Dividend Yield
5.79%
Revenue
$52.53M
Earnings
$11.33M
Gross Margin
100%
Operating Margin
23.35%
Profit Margin
21.6%
Debt to Equity
19.26
Operating Cash Flow
$20M
Beta
0.33
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
Feb 5, 2026
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
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
B
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
D
UNB
Ranked#48 of 280
Ranked#48 of 280
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $6.92 | A | |
| $63.25 | B | |
| $22.44 | B |
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UNB News
Overview
Due Diligence Score
–
Industry Average (38)
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 was unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
UNB is good value based on its earnings relative to its share price (9.96x), compared to the US market average (43.06x)
P/E vs Market Valuation
UNB is good value based... subscribe to Premium to read more.
P/E vs Industry 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
$24.89
Fair Value
$32.95
Undervalued by
24.45%
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
9.96x
Industry
16.87x
Market
43.06x
UNB is good 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
1.47x
Industry
1.36x
UNB is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
UNB's financial health
Profit margin
Revenue
$14.2M
Net Income
$3.4M
Profit Margin
24.2%
UNB's Earnings (EBIT) of $12.27M... subscribe to Premium to read more.
Interest Coverage Financials
UNB's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.6B
Liabilities
$1.5B
Debt to equity
19.26
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
$9.7M
Investing
-$89.0M
Financing
$85.5M
UNB's operating cash flow ($19.82M)... subscribe to Premium to read more.
Debt Coverage Financials
UNB vs Bank Stocks
Union Bankshares Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.