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Company Analysis

Union Bankshares, Inc. UNB

A comprehensive view of key metrics, scores, and financial health for Union Bankshares, Inc.

Overview of Union Bankshares, Inc.

UNB NGM
Financial Services Banks - Regional Micro Cap
Union Bankshares, Inc. (UNB), is a Micro Cap company, in the Banks - Regional industry, last closed at $23.52, about 25.3% overvalued vs fair value, -18.9% 1Y return, placing in the top 25% of its sector.
$23.52
0.00%
As of March 13, 2026
Previous close • Vol 90d: 30.3%
52-Week Range
Market Cap
$107.40M
Enterprise Value
$396.81M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://unb.q4ir.com
HQ Morrisville, VT
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $23.52 -25% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$67.4M
18.6%%
Interest Expense
$32.8M
Net Interest Income
$37.8M
0.6%%
Total Revenue
$87.3M
86.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.2%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.4M
73.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Union Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
51
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing UNB's balance between Growth (41.4%), Profitability (25.0%), and Safety (33.6%). Growth 41% Safety 34% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

67th percentile vs peers
68
Key Signals
Rev Growth YoY 86.4% 75p Revenue CAGR 3Y 22.1% 64p Asset Growth YoY 5.8% 62p
Strengths
  • Roe in top 20% of peers (13.2%, 85th percentile)
  • Roe in top 20% of peers (13.2%, 85th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

41th percentile vs peers
41
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
55
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Union Bankshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.56
- - -
-25.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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