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Union Bankshares, Inc (UNB) Fair Value & Analysis

Financial Services · US · Market cap $114M

Price$26.20
Fair Value$31.27
Upside+19.4%
Quality95/100
Evidence: High Range $23.45 – $39.09

Fair value as of: Jun 26, 2026

Analysis

Union Bankshares, Inc (UNB) currently trades at $26.20, while our model-based Fair Value estimate is $31.27 — implying the stock looks roughly 19.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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 t…

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Frequently asked questions

Is Union Bankshares, Inc (UNB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $31.27 versus a price of $26.20 — about +19% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UNB?
Our 21-model fair value for Union Bankshares, Inc is $31.27 (as of Jun 26, 2026), built from audited fundamentals. The current price is $26.20.
What is the quality score of UNB?
Union Bankshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.