EN DE
Watch Union Bankshares Inc for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Union Bankshares Inc (UNB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Union Bankshares Inc stock $17.80, price $22.96, that is 22.5% below the price, quality 48 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

UB Union Bankshares Inc logo Broad data Nov 8, 2026

Union Bankshares Inc

UNB · US
Expensive, weak quality

Our calculation puts a fair price 22% below what the stock costs today.

Highly profitable · 21.5% net margin (TTM)
6.3% dividend yield · Low payout
Broad data
Costs just 8.8 times its yearly profit.
Quality 48/100
Mixed Growth (revenue 5y +10.6 %/yr in USD)
Moderate moat 61/100
Insiders bought $43,097 (6M)
Fair value $17.80 · Overvalued
Trails peers (5/14)
Watch Union Bankshares Inc for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$34.88 $17.28 Fair Value $17.80 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $17.28 – $34.88 · fair‑value band $14.87 – $24.24 · the $22.96 price screens above the $17.80 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

Follow Union Bankshares in your weekly email

Every Wednesday you see whether Union Bankshares is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States.

Show moreShow less

The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit.

It 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; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit.

In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay 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 and consumer deposit account opening services.

Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services.

It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts.

The company was founded in 1891 and is headquartered in Morrisville, Vermont.

Stock analysis

Union Bankshares Inc (UNB) currently trades at $22.96, while our model-based Fair Value estimate is $17.80, 22% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $25.78 per share, and 1 of the 6 models we run sit above the $22.96 price.

Bear case: the Asset-Based group reads lowest at $10.71, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $14.87 (bear) to $24.24 (bull), the price of $22.96 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Union Bankshares Inc reported revenue of $87.3M in FY2025 versus $52.2M in FY2021, a compound +13.7%/yr. Reported net income was $11.1M in FY2025, compounding −4.2%/yr from FY2021.

Key figures

Market cap $110M Micro · P/E ratio 8.8 · P/S ratio 1.91 · EPS (TTM) $2.62 · Dividend yield 6.3% · Net margin 21.5% · Return on equity 15.9% · Return on assets (EBIT) 0.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (medium confidence).

What moves the price

The share trades about 12% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −22%, UNB screens cheaper than that median.

Fair Value models

Bear $14.87 Fair Value $17.80 Bull $24.24
Price $22.96 · Downside -22.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.01 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $14.87 $17.15 $21.93 76
Gordon GGM $10.00 $17.80 $24.24 68
DDM Multi-Stage $10.00 $15.70 $19.04 67
All 6 models by family
Dividend Discount
Gordon GGM $10.00 $17.80 $24.24 68
DDM Multi-Stage $10.00 $15.70 $19.04 67
Multiples
P/E Multiple $21.88 $29.17 $36.46 63
P/B Multiple $16.79 $22.38 $27.98 55
Asset-Based
NCAV (Graham) $7.99 $10.71 $15.99 54
Economic Profit
Residual Income $14.87 $17.15 $21.93 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 28
How much profit the company makes from its sales and capital
Quality Growth 57
Are margins and returns getting better?
Cashflow 79
Do the profits arrive as real cash?
Financial strength 1
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 85
How calm the share price moves, does not count
Price momentum 38
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 37
Distance to the 52-week high, does not count
New shares 48
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors bought shares worth $43,097, most recently on Sep 17, 2026. Buying cluster

  • BuySteven P CoteDirector418 shares at $23.73$9,917Sep 17, 2026
  • BuyDavid Scott SilvermanDirector1,000 shares at $23.76$23,760Aug 26, 2026
  • BuyDawn D BugbeeDirector2× since Jul 27, 2026: 400 shares, avg. $23.55$9,420Aug 25, 2026
  • BuyPatricia N HoganOfficer of Union Bank8.57 shares at $25.28$217Feb 5, 2026

Plus 8 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+12.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
Start year 2020 (pandemic). Over 10 years: +9.7% a year
Revenue growth 27 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+3.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.2%
Dividend (yield on the price)6.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3.2% vs 3.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.29% → 14%
Pace: the 5-year rate starts in 2020 (pandemic)

UNB screens overvalued: fair value 22% below the price. Compare with China Merchants Bank Co →

Compare Union Bankshares Inc with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −22.5% · Below median
Profitability
Return on equity (12 months) 15.9% · Top 25%
Return on assets 0.7% · Below median
Net margin (12 months) 21.5% · Bottom 25%
Operating margin (12 months) 29.0% · Below median
Growth and dividend
Revenue growth (quarter YoY) 5.4% · Below median
Dividend yield (12 months) 6.3% · Top 25%
Balance sheet
Debt / equity 3.74× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.8× · Cheapest 25%
P/B 1.36× · Pricier than median
P/S (12 months) 1.91× · Cheapest 25%
Price / free cash flow (fiscal year) 6.9× · Cheaper than median
EV/EBITDA 29.9× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)3 · sector 8
FUTURE (revenue growth)27 · sector 47
PAST (return on equity)64 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs UNB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs UNB
BNP Paribas SA BNP €91.93 €106.01 +15% vs UNB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs UNB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs UNB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs UNB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs UNB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs UNB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs UNB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs UNB

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Union Bankshares Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Union Bankshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/UNB

Frequently asked questions

Is Union Bankshares Inc (UNB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $17.80 versus a price of $22.96, about 22% lower (overvalued).
What is the fair value of UNB?
Our model-based fair value for Union Bankshares Inc is $17.80 (as of Nov 8, 2026), built from audited fundamentals. The current price: $22.96.
What is the quality score of UNB?
Union Bankshares Inc has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Union Bankshares Inc (UNB)?
Our model-based price target is the fair value of $17.80 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $14.87, optimistic scenario $24.24. It is a calculation from audited fundamentals, not an analyst target.
What is the Union Bankshares Inc stock forecast for 2026?
Our models put fair value at $17.80, about 22% lower versus a price of $22.96 (overvalued). Cautious scenario $14.87, optimistic scenario $24.24. The calculation is refreshed regularly with new filings.
What is the revenue of Union Bankshares Inc (UNB)?
Union Bankshares Inc reported trailing-twelve-month revenue of about $57.8M (latest available figure, as of Nov 8, 2026).
Does Union Bankshares Inc pay a dividend?
Union Bankshares Inc currently shows a dividend yield of 6.27% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Union Bankshares Inc (UNB) and when is the ex-dividend date?
Union Bankshares Inc pays a dividend of $1.44 per share a year, a dividend yield of 6.3%. The last ex-dividend date was Oct 30, 2026. A dividend has been paid every year since at least 1999. The payout ratio is 55.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Union Bankshares Inc (UNB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Union Bankshares Inc it is $17.80 per share (as of Nov 8, 2026), against a price of $22.96. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Union Bankshares Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, UNB trades above its calculated fair value: price $22.96, fair value $17.80, a gap of about −22% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UNB?
No. The price is what the market pays today ($22.96); the fair value is what the company's own numbers justify ($17.80). For Union Bankshares Inc the two are $5.16 per share apart. That gap is exactly why we show both numbers side by side.
How much is Union Bankshares Inc worth?
The market values Union Bankshares Inc at about $110M (market capitalisation, as of Nov 8, 2026). Per share that is $22.96; our models calculate a fair value of $17.80 per share.
What do the bullish and bearish scenarios say about UNB?
Our models span a range for Union Bankshares Inc: cautious scenario $14.87, base $17.80, optimistic $24.24 per share (as of Nov 8, 2026, price $22.96). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UNB?
Union Bankshares Inc trades at a price-to-earnings ratio of 8.8 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $17.80 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 13.7. Other multiples: P/B 1.4, P/S 1.9, EV/EBITDA 29.9.
How solid is the balance sheet of Union Bankshares Inc (UNB)?
Balance-sheet figures for Union Bankshares Inc (as of Nov 8, 2026): return on equity 15.9%, debt of 3.74 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is UNB from its 52-week high?
Union Bankshares Inc trades at $22.96, about 12% below its 52-week high of $26.20 and 10% above the low of $20.88 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $17.80 is for.
Which stocks are comparable to Union Bankshares Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Union Bankshares Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $22.96, calculated fair value $17.80 (−22%), Quality Score 48/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UNB calculated?
We run Union Bankshares Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $17.80 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Union Bankshares Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Union Bankshares Inc (UNB)?
The closing price on Nov 6, 2026 was $22.96. Our model-based fair value is $17.80, about 22% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Union Bankshares Inc right now?
Weak quality (48/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Union Bankshares Inc (UNB) come from?
Earnings per share at Union Bankshares Inc grew +2.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.1 %, EBIT margin −7.7 %, tax rate +1.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Union Bankshares Inc

How large is the market capitalisation of Union Bankshares Inc (UNB)?
The market capitalisation of Union Bankshares Inc is $110M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Union Bankshares Inc (UNB)?
The price-to-sales ratio of Union Bankshares Inc is 1.91 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Union Bankshares Inc (UNB)?
Earnings per share at Union Bankshares Inc are $2.62 (price ÷ EPS = P/E 8.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Union Bankshares Inc (UNB)?
The dividend yield of Union Bankshares Inc is 6.3% (payout 55.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Union Bankshares Inc (UNB)?
The net margin of Union Bankshares Inc is 21.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Union Bankshares Inc (UNB)?
The return on equity (ROE) of Union Bankshares Inc is 15.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Union Bankshares Inc (UNB)?
On an EBIT basis the return on assets of Union Bankshares Inc is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Union Bankshares Inc (UNB)?
The operating margin of Union Bankshares Inc is 29.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Union Bankshares Inc (UNB)?
Revenue at Union Bankshares Inc is growing +5.4% versus a year earlier (3y avg +18.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Union Bankshares Inc (UNB)?
Earnings per share at Union Bankshares Inc are growing +2.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Union Bankshares Inc (UNB) generate?
The free cash flow of Union Bankshares Inc is $16.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Union Bankshares Inc (UNB) carry?
The net debt of Union Bankshares Inc is $298M (fiscal year 2025, ≈ 18.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Union Bankshares Inc in the live analysis

One click puts Union Bankshares Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.