Union Bankshares Inc (UNB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Union Bankshares Inc stock (UNB) is currently trading at $23.29. Union Bankshares Inc PE ratio is 9.68. Union Bankshares Inc PS ratio (Price-to-Sales) is 1.99. WallStSmart rates UNB as Underperform.
- UNB PE ratio analysis and historical PE chart
- UNB PS ratio (Price-to-Sales) history and trend
- UNB intrinsic value — DCF, Graham Number, EPV models
- UNB stock price prediction 2025 2026 2027 2028 2029 2030
- UNB fair value vs current price
- UNB insider transactions and insider buying
- Is UNB undervalued or overvalued?
- Union Bankshares Inc financial analysis — revenue, earnings, cash flow
- UNB Piotroski F-Score and Altman Z-Score
- UNB analyst price target and Smart Rating
Union Bankshares Inc
📊 No data available
Try selecting a different time range
UNB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Union Bankshares Inc (UNB)
UNB trades 49% above its Graham fair value of $16.39, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Union Bankshares Inc (UNB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around market cap and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Union Bankshares Inc (UNB) Key Strengths (5)
Keeps $21 of every $100 in revenue as net profit
Strong operational efficiency: $21 kept per $100 revenue
Paying $1.99 for every $1 of annual revenue
Trading at 1.33x book value, attractively priced
Solid profitability: $15 profit per $100 equity
Supporting Valuation Data
Union Bankshares Inc (UNB) Areas to Watch (4)
Earnings declining -10.10%, profits shrinking
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 9.90%
Low institutional interest, mostly retail-driven
Union Bankshares Inc (UNB) Detailed Analysis Report
Overall Assessment
This company scores 54/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 8.2/10) while 4 fall into concern territory (avg 2.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Profit Margin, Operating Margin, Price/Sales. Valuation metrics including Price/Sales (1.99), Price/Book (1.33) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 15.00%, Operating Margin at 21.30%, Profit Margin at 20.60%.
The Bear Case
The primary concerns are EPS Growth, Market Cap, Revenue Growth. Growth concerns include Revenue Growth at 9.90%, EPS Growth at -10.10%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 15.00% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 9.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Profit Margin, Operating Margin) and negatives (EPS Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UNB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UNB's Price-to-Sales ratio of 1.99x trades 44% below its historical average of 3.54x (1th percentile). The current valuation is 69% below its historical high of 6.48x set in Jan 2018, and 4% above its historical low of 1.92x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Union Bankshares Inc (UNB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Union Bankshares Inc is a mature, profitable business with steady cash generation. Revenue reached 54M with 10% growth year-over-year. Profit margins are strong at 20.6%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1500.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 20.6% and operating margin of 21.3% demonstrate strong pricing power and operational efficiency.
Free cash flow is -8M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Dividend sustainability with a current yield of 6.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Union Bankshares Inc.
Bottom Line
Union Bankshares Inc is a well-established business delivering consistent profitability with 20.6% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(12 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:24:12 AM
About Union Bankshares Inc(UNB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Union Bankshares, Inc. is the banking holding company for Union Bank offering retail, commercial and municipal banking products and services in Northern Vermont and New Hampshire. The company is headquartered in Morrisville, Vermont.