Financhill
Sell
45

UNB Quote, Financials, Valuation and Earnings

Last price:
$23.00
Seasonality move :
3.45%
Day range:
$23.00 - $23.70
52-week range:
$20.65 - $37.48
Dividend yield:
6.16%
P/E ratio:
9.44x
P/S ratio:
1.25x
P/B ratio:
1.38x
Volume:
8.7K
Avg. volume:
9.7K
1-year change:
-37.96%
Market cap:
$107.2M
Revenue:
$77.9M
EPS (TTM):
$2.48

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Downside
    No price target exists because of limited analyst coverage.
  • Price Target Upside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, Union Bankshares, Inc. (Vermont) has -- downside to fair value with a price target of -- per share.

UNB vs. S&P 500

  • Over the past 5 trading days, Union Bankshares, Inc. (Vermont) has overperformed the S&P 500 by 1.29% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Union Bankshares, Inc. (Vermont) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Union Bankshares, Inc. (Vermont) has grown year-over-year revenues for 12 quarters straight. In the most recent quarter Union Bankshares, Inc. (Vermont) reported revenues of $22.6M.

Earnings Growth

  • Union Bankshares, Inc. (Vermont) has grown year-over-year earnings for 3 quarters straight. In the most recent quarter Union Bankshares, Inc. (Vermont) reported earnings per share of $0.75.
Enterprise value:
394.3M
EV / Invested capital:
1.08x
Price / LTM sales:
1.25x
EV / EBIT:
8.81x
EV / Revenue:
4.62x
PEG ratio (5yr expected):
0.34x
EV / Free cash flow:
-3.19x
Price / Operating cash flow:
8.84x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.74%
Net Income Margin (TTM):
13.27%
Return On Equity:
15.84%
Return On Invested Capital:
3.29%
Operating Margin:
17.21%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $63.3M $74.6M $85.4M $18.8M $22.6M
Gross Profit -- -- -- -- --
Operating Income $13.7M $9.3M $11.7M $1.2M $3.9M
EBITDA -- -- -- -- --
Diluted EPS $2.57 $1.94 $2.48 $0.29 $0.75
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $135.3M $49.8M $40.1M $65.6M $49.5M
Total Assets $1.2B $1.3B $1.4B $1.5B $1.6B
Current Liabilities $253M $337.6M $254.7M $246.2M $230.3M
Total Liabilities $1.1B $1.3B $1.3B $1.4B $1.5B
Total Equity $83.7M $49.7M $49.2M $72.3M $77.7M
Total Debt $23.2M $41.2M $106.9M $247M $287.1M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations -$57.7M -$92.6M -$122.4M -$34.4M -$37M
Cash From Investing -$38.2M $24M $69.8M -$60.7M -$42.3M
Cash From Financing $85.1M $94.5M $40.8M $111.9M $85.5M
Free Cash Flow -$59M -$94.3M -$123.5M -$34.7M -$37.1M
UNB
Sector
Market Cap
$107.2M
$555.9M
Price % of 52-Week High
62.41%
89.84%
Dividend Yield
6.16%
1.65%
Shareholder Yield
0.92%
3.16%
1-Year Price Total Return
-37.96%
1.51%
Beta (5-Year)
0.384
0.481
Dividend yield:
6.16%
Annualized payout:
$1.44
Payout ratio:
48.19%
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $22.99
200-day SMA
Sell
Level $27.63
Bollinger Bands (100)
Sell
Level 23.45 - 26.93
Chaikin Money Flow
Buy
Level 162.8K
20-day SMA
Buy
Level $22.72
Relative Strength Index (RSI14)
Buy
Level 52.94
ADX Line
Sell
Level 30.09
Williams %R
Sell
Level -10.1639
50-day SMA
Sell
Level $23.75
MACD (12, 26)
Sell
Level -0.23
25-day Aroon Oscillator
Buy
Level 48
On Balance Volume
Neutral
Level 1.9M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.0755)
Sell
CA Score (Annual)
Level (-2.4225)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (3)
Sell
Ohlson Score
Level (4.9097)
Sell
Piotroski F Score (Annual)
Level (3)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Union Bankshares, Inc. is a one-bank holding company for Union Bank, which engages in the provision of retail, commercial, municipal banking, and wealth management and trust services. It offers residential real estate loans, construction real estate loans, commercial real estate loans, commercial loans, consumer loans, and municipal loans. The company was founded in 1891 and is headquartered in Morrisville, VT.

Stock Forecast FAQ

In the current month, UNB has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The UNB average analyst price target in the past 3 months is --.

  • Where Will Union Bankshares, Inc. (Vermont) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Union Bankshares, Inc. (Vermont) share price will drop to -- per share over the next 12 months.

  • What Do Analysts Say About Union Bankshares, Inc. (Vermont)?

    Analysts are divided on their view about Union Bankshares, Inc. (Vermont) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Union Bankshares, Inc. (Vermont) is a Sell and believe this share price will rise from its current level to --.

  • What Is Union Bankshares, Inc. (Vermont)'s Price Target?

    The price target for Union Bankshares, Inc. (Vermont) over the next 1-year time period is forecast to be -- according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is UNB A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Union Bankshares, Inc. (Vermont) is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of UNB?

    You can purchase shares of Union Bankshares, Inc. (Vermont) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Union Bankshares, Inc. (Vermont) shares.

  • What Is The Union Bankshares, Inc. (Vermont) Share Price Today?

    Union Bankshares, Inc. (Vermont) was last trading at $23.00 per share. This represents the most recent stock quote for Union Bankshares, Inc. (Vermont). Yesterday, Union Bankshares, Inc. (Vermont) closed at $23.39 per share.

  • How To Buy Union Bankshares, Inc. (Vermont) Stock Online?

    In order to purchase Union Bankshares, Inc. (Vermont) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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