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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 Framework: Banks & Lenders Micro Cap
Union Bankshares, Inc. (UNB), is a Micro Cap company, in the Banks - Regional industry, last closed at $23.74, about 17.7% overvalued vs fair value, +4.9% 1Y return, placing in the top 25% of its sector.
Metrics P/E 9.8× Rev Growth 13.7% ROE 15.0% Gross Margin 100.9% Div Yield 5.96%
USD 23.74
1.24%
(Delayed)
• Vol 90d: 24.7%
52-Week Range
Market Cap
$117.40M
Enterprise Value
$456.32M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 94%
Confidence: 92%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Dividend Oct 30
Earnings Jan 20 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$20
$37
Current: $23.74 -18% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$75.0M
11.2%%
Interest Expense
$32.8M
Net Interest Income
$42.2M
11.5%%
Total Revenue
$53.2M
13.7%%
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
13.7%
Good

Net Income / Equity - key bank profitability 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
43
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.83).

Key risks

  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.23).
  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.00).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
57
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing UNB's balance between Growth (56.3%), Profitability (38.7%), and Safety (5.0%). Growth 56% Safety 5% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
63
Key Signals
Asset Growth YoY 5.8% 59p NII Growth YoY 11.5% 56p Equity Growth YoY 21.6% 85p EPS Growth YoY 25.3% 59p
Strengths
  • Equity Growth YoY in top 20% of peers (21.6%, 85th percentile)
  • ROE in top 20% of peers (15.0%, 86th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

43th percentile vs peers
43
Key Signals
Strengths
Risks
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Safety

5th percentile vs peers
6
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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
$19.53
- - -
-17.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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