NASDAQ: UNB
Union Bankshares Inc Stock

$23.54+0.04 (+0.17%)
Updated Jun 15, 2026
UNB Price
$23.54
Fair Value Price
N/A
Market Cap
$108.61M
52 Week Low
$20.65
52 Week High
$29.49
P/E
9.3x
P/B
1.35x
P/S
2.03x
PEG
N/A
Dividend Yield
6.12%
Revenue
$55.35M
Earnings
$11.58M
Gross Margin
100%
Operating Margin
22.93%
Profit Margin
20.9%
Debt to Equity
19.17
Operating Cash Flow
$16M
Beta
0.34
Next Earnings
Jul 22, 2026
Ex-Dividend
N/A
Next Dividend
N/A

UNB Overview

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 and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking accounts, complemented by standby letters of credit. Additional services include asset management, fiduciary, and trust provisions. Customers manage their finances through a network of 18 banking offices, 3 loan centers, and numerous ATMs, supported by extensive telephone, internet, and mobile banking capabilities, debit cards, and online mortgage application services.

Zen Rating

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

Zen Rating Component Grades

N/A
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
Unranked of 283

Top Ranked Stocks in Industry

View Top Bank Stocks

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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 (9.3x), compared to the US market average (14.3x)
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
$23.54
Fair Value
$66.44
Undervalued by
64.57%
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
9.3x
Industry
13.92x
Market
14.3x
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
1.35x
Industry
1.27x
UNB is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

UNB's financial health

Profit margin

Revenue
$14.1M
Net Income
$3.0M
Profit Margin
21.3%
UNB's Earnings (EBIT) of $12.69M... 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
19.17
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
$2.6M
Investing
$7.2M
Financing
$7.7M
UNB's operating cash flow ($15.80M)... subscribe to Premium to read more.
Debt Coverage Financials

UNB vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
UNB$108.61M+0.17%9.30x1.35x
SFBCC$109.11M-2.54%14.46x0.99x
MGYR$110.51M+0.29%9.45x0.89x
PROV$106.38M-0.58%18.29x0.84x
BOTJB$111.86M-0.57%10.17x1.38x

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 $29.49, and its 52-week low was $20.65. It is currently -20.18% from its 52-week high and 14% from its 52-week low.

How much is Union Bankshares stock worth today?

(NASDAQ: UNB) Union Bankshares currently has 4,614,052 outstanding shares. With Union Bankshares stock trading at $23.54 per share, the total value of Union Bankshares stock (market capitalization) is $108.61M.

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 26 years would have been 76.55%, for an annualized return of 2.21% (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 $23.54 today (as of Jun 15, 2026).

What is Union Bankshares's Market Cap?

(NASDAQ: UNB) Union Bankshares's market cap is $108.61M, as of Jun 16, 2026.

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 $23.54 by UNB's total outstanding shares of 4,614,052.
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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.