Union Bankshares, Inc. (UNB)

NGM – Real Time Price. Currency in USD

23.90

-0.13 (-0.54%)

Market open: Aug 12, 2026, 1:00 PM EDT

24.40

+0.05 (0.21%)

Previous after-hours: Aug 11, 2026, 7:54 PM EDT

Stock details

Previous close: 24.35$
Day's range: 23.67 - 24.35$
52-week range: 20.65 - 27.65$
Volume: 10 456
Average volume: 8 174
Beta: 0.04
EPS (TTM): 2.61
PE ratio (TTM): 9.39
Forward P/E: N/A
Market cap: 120 431 888
Shares outstanding: 4 945 868
Dividend yield: $5.91 (5.91%)
Next earnings date: 2026-10-21
Sector: Financials
Industry: Banks - Regional

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 an... read more

CEO: David Silverman
Country: United States
IPO Date: 1998-06-11
Employees: 195
Fiscal Year End: January - December
Website: https://www.ublocal.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: UNB

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Overall Score

3.4 / 1034%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $353.4M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (3.9) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.18	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	3.91	0.05	2.0
Debt to Assets	0.23	0.09	7.0
Interest coverage	N/A	N/A	10
Weighted average score			4.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	53M	67M	78M	88M	87M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	15M	13M	9M	12M	11M
Net Income	13M	11M	9M	11M	12M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	2.60	0.44	2.0
Net margin %	24.47	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			3.0

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.74	1.46	2.0
ROE	15.13	14.94	8.0
ROIC	3.25	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			4.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			1.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-7.43	-2.65	N/A	106.37	3.3
Y/Y	-5.05	22.09	N/A	111.02	5.5
3y average	18.2	-2.14	N/A	-37.21	3.0
5y average	11.1	-1.55	N/A	-1.52	2.5
Weighted average score					3.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	9.15	11.16	7.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	1.98	3.37	6.6
P/B	1.30	1.53	6.0
Weighted average score			5.4

DCF Model

Data not available

Insufficient positive free cash flow for DCF analysis

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	5.57	5.57	10
Payout ratio	13.45	13.45	3.0
5-year dividend growth rate	2.22	2.22	4.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			4.5

Fair Value

Data not available

Insufficient positive free cash flow for DCF analysis

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

David Silverman

Country

United States

IPO Date

1998-06-11

Employees

195

Fiscal Year End

January - December

Website

https://www.ublocal.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.18

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

3.91

0.05

2.0

Debt to Assets

0.23

0.09

7.0

Interest coverage

N/A

Weighted average score

4.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

53M

67M

78M

88M

87M

Gross Profit

N/A

Operating Income

15M

13M

12M

11M

Net Income

13M

11M

12M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

2.60

0.44

2.0

Net margin %

24.47

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

3.0

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.74

1.46

2.0

ROE

15.13

14.94

8.0

ROIC

3.25

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

4.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

1.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-7.43

-2.65

N/A

106.37

3.3

Y/Y

-5.05

22.09

N/A

111.02

5.5

3y average

18.2

-2.14

N/A

-37.21

3.0

5y average

11.1

-1.55

N/A

-1.52

2.5

Weighted average score

3.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

9.15

11.16

7.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

1.98

3.37

6.6

P/B

1.30

1.53

6.0

Weighted average score

5.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

5.57

Payout ratio

13.45

3.0

5-year dividend growth rate

2.22

4.0

Years of dividend increase

0.00

1.0

Weighted average score

4.5

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Union Bankshares, Inc. (UNB)

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Union Bankshares, Inc. (UNB)

Stock details

About the company

Revenue Breakdown

News

Chart: UNB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Data not available

Dividend

Fair Value

Data not available

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: UNB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Data not available

Dividend

Fair Value

Data not available

Economic Moat