Union Bankshares, Inc. (UNB) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Union Bankshares, Inc. (UNB) trades at $23.80 with AI Score 37/100 (Grade D). Union Bankshares, Inc. Market cap: $110M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 10, 2026Analyst Coverage for UNB: UNB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates UNB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
UNB: 2/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Union Bankshares, Inc. (UNB) Financial Services Profile
Union Bankshares, Inc., operating as Union Bank, provides retail, commercial, and municipal banking services in northern Vermont and New Hampshire. With a focus on community banking, UNB offers diverse financial products, including deposit accounts, loans, and online cash management, distinguishing itself through local market expertise and personalized customer service.
What Is the Investment Thesis for UNB?
Union Bankshares, Inc. presents a stable investment opportunity within the regional banking sector, characterized by a P/E ratio of 9.7 and a dividend yield of 5.96%. The company's focus on serving the northern Vermont and New Hampshire markets provides a degree of insulation from broader economic volatility, supported by a low beta of 0.35. Growth catalysts include expanding online and mobile banking services to attract a younger demographic and increasing commercial lending activities within its established geographic footprint. The company's consistent profitability, with a profit margin of 13.1% and gross margin of 62.5%, underscores its operational efficiency. However, potential risks include increasing competition from larger regional and national banks, as well as the impact of changing interest rate environments on its loan portfolio.
Based on FMP financials and quantitative analysis
UNB Key Highlights
Market capitalization of $110M, indicating a small-cap regional bank.
- P/E ratio of 9.7, suggesting the company may be undervalued compared to its earnings.
- Profit margin of 13.1%, reflecting efficient operations and profitability.
- Gross margin of 62.5%, indicating strong revenue generation relative to the cost of goods sold.
- Dividend yield of 5.96%, providing a significant income stream for investors.
Who Are UNB's Competitors?
UNB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CBT Cabot Corporation | $84.93 | -0.29% | $4.38B | 73 |
| WTFC Wintrust Financial Corporation | $152.61 | -0.52% | $10.3B | 86 |
| PBCT People's United Financial, Inc. | $19.41 | +0.00% | 48 | |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UNB's Key Strengths?
Strong local presence in northern Vermont and New Hampshire.
- Long-standing relationships with customers and communities.
- High gross margin of 62.5%.
- Significant dividend yield of 5.96%.
What Are UNB's Weaknesses?
Limited geographic diversification.
- Small market capitalization of $110M.
- Reliance on traditional banking services.
- Potential vulnerability to economic downturns in the local economy.
What Could Drive UNB Stock Higher?
Expansion of digital banking services to attract younger demographics.
- Increased commercial lending activities within its established geographic footprint.
- Potential strategic partnerships with fintech companies to enhance service offerings.
- Implementation of new wealth management services to generate fee income.
What Are the Key Risks for UNB?
Financial-distress signal — its Altman Z-Score of 0.21 sits in the distress zone (elevated bankruptcy risk).
- Increasing competition from larger regional and national banks.
- Impact of changing interest rate environments on its loan portfolio.
- Economic downturns in the local economy affecting loan performance.
- Regulatory changes impacting the banking industry.
- Cybersecurity threats and data breaches compromising customer information.
What Are the Growth Opportunities for UNB?
- Expansion of Digital Banking Services: Union Bankshares, Inc. can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile banking platforms. This includes offering a wider range of digital services such as mobile check deposit, online account opening, and personalized financial management tools. The market for digital banking is projected to reach $9 trillion by 2028, presenting a significant opportunity for UNB to attract and retain customers, particularly younger demographics, by providing convenient and accessible banking options.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable Union Bankshares, Inc. to offer innovative financial products and services without significant upfront investment. By partnering with fintech firms specializing in areas such as online lending, payment processing, and wealth management, UNB can expand its service offerings and enhance its competitive position.
- Increased Commercial Lending Activities: Union Bankshares, Inc. can focus on expanding its commercial lending activities within its existing geographic footprint. This includes targeting small and medium-sized businesses in northern Vermont and New Hampshire with tailored loan products and financial services. The demand for commercial loans is expected to increase as businesses seek financing for expansion, equipment upgrades, and working capital. By strengthening its relationships with local businesses and offering competitive loan terms, UNB can increase its market share and drive revenue growth.
- Expansion into Wealth Management Services: Union Bankshares, Inc. can expand its wealth management services to cater to the growing demand for financial planning and investment advice. This includes offering personalized investment strategies, retirement planning services, and estate planning solutions to high-net-worth individuals and families. The wealth management market is projected to reach $140 trillion by 2027, presenting a significant opportunity for UNB to generate fee income and build long-term client relationships.
- Community Engagement and Brand Building: Strengthening its community engagement initiatives can enhance Union Bankshares, Inc.'s brand reputation and attract new customers. This includes sponsoring local events, supporting community organizations, and participating in financial literacy programs. By demonstrating a commitment to the local community, UNB can differentiate itself from larger national banks and build a loyal customer base. Positive brand recognition can lead to increased customer acquisition and retention, driving long-term growth and profitability.
What Are UNB's Competitive Advantages?
- Strong local presence in northern Vermont and New Hampshire.
- Long-standing relationships with customers and communities.
- Personalized customer service and local market expertise.
- Comprehensive suite of banking products and services tailored to local needs.
What Does UNB Do?
Founded in 1891 and headquartered in Morrisville, Vermont, Union Bankshares, Inc. has a long history of serving the financial needs of communities in northern Vermont and New Hampshire. As the holding company for Union Bank, it offers a comprehensive suite of banking products and services tailored to individuals, small to medium-sized businesses, non-profit organizations, local municipalities, and school districts. These services include retail depository accounts such as personal checking, savings, money market, and certificates of deposit, as well as various loan products including commercial real estate loans, commercial loans for equipment and working capital, SBA-guaranteed loans, home improvement loans, and residential mortgages. Union Bank also provides advanced online cash management services, merchant credit card processing, remote deposit capture, and trust and asset management services. With 18 banking offices, 3 loan centers, and a network of ATMs, Union Bankshares, Inc. maintains a strong local presence, emphasizing personalized service and community engagement. The bank's commitment to its customers and the local economy has enabled it to foster long-term relationships and maintain a competitive edge in the regional banking sector.
What Products and Services Does UNB Offer?
- Provides retail banking services to individuals.
- Offers commercial banking services to small and medium-sized corporations.
- Caters to partnerships and sole proprietorships.
- Serves non-profit organizations, local municipalities, and school districts.
- Offers retail depository services, including checking, savings, and money market accounts.
- Provides commercial real estate loans and commercial loans for various business purposes.
- Offers online cash management services and merchant credit card services.
- Provides asset management, fiduciary, and trust services.
How Does UNB Make Money?
- Generates revenue from interest income on loans, including commercial real estate, commercial, and residential mortgages.
- Earns fees from providing various banking services, such as online cash management and merchant credit card processing.
- Offers trust and asset management services, generating fee income from managing client assets.
- Collects interest on deposits and investments.
What Industry Does UNB Operate In?
Union Bankshares, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and emerging fintech companies. The industry is currently navigating a complex landscape of rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Regional banks like Union Bankshares, Inc. differentiate themselves through localized service, community engagement, and specialized financial products tailored to the needs of local businesses and residents. The trend towards digital banking and mobile payment solutions is reshaping the industry, requiring regional banks to invest in technology to remain competitive. Despite these challenges, the regional banking sector is expected to grow modestly, driven by increasing demand for loans and financial services from small and medium-sized enterprises.
Who Are UNB's Key Customers?
- Individuals seeking retail banking services.
- Small to medium-sized businesses requiring commercial loans and banking solutions.
- Non-profit organizations needing financial services.
- Local municipalities and school districts requiring banking and cash management services.
Union Bankshares, Inc. (UNB) Valuation Context
Valued at $110M, UNB is classified as a micro-cap stock. Relative to its peer group, UNB's quantitative score of 37/100 is below the peer average of 78/100.
UNB Revenue & Earnings Trend
In Q2 2026, UNB generated $23.3M in top-line revenue, marking a sequential increase of 5.9%. The company recorded net income of $2.9M, with diluted EPS of $0.61. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, UNB averaged $0.65 in diluted EPS.
Company Profile
Union Bankshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Morrisville, US. The company is led by CEO Jeffery F. Weidley. UNB has traded publicly since 1999.
Key Financial Metrics
Return on equity for Union Bankshares, Inc. stands at 14.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. UNB trades at a trailing price-to-earnings ratio of 9.69, below the Financial Services sector average of ~18x. Its free cash flow yield is -18.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.31 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Union Bankshares, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.21 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Union Bankshares, Inc. revenue of about $99.6M for fiscal 2026, with EPS near $2.63.
UNB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that executives believe in the growth potential of Union Bankshares.
- Community sentiment has turned positive, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts have noted improvements in operational efficiency, which could enhance profitability moving forward.
- The overall banking sector shows signs of stability, which could bode well for Union Bankshares as it navigates current market conditions.
Bear Case
- Concerns about rising interest rates have led to skepticism regarding the bank's lending margins and potential impact on profitability.
- Negative sentiment has emerged around regulatory challenges that could affect operational flexibility and growth prospects.
- Some community members express doubts about the bank's ability to compete with larger institutions, especially in digital banking innovations.
- Recent economic uncertainties have raised fears about potential loan defaults, which could strain the bank's financial health.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $23M | $3M | $0.61 |
| Q1 2026 | $22M | $3M | $0.65 |
| Q4 2025 | $23M | $3M | $0.60 |
| Q3 2025 | $23M | $3M | $0.75 |
Based on FMP financials and quantitative analysis
UNB Latest News
No recent news available for UNB.
UNB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for UNB.
Price Targets
Wall Street price target analysis for UNB.
UNB MoonshotScore
What does this score mean?
The MoonshotScore rates UNB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: David Scott Silverman
CEO
David Scott Silverman serves as the CEO of Union Bankshares, Inc., bringing extensive experience in the financial services sector. His career includes various leadership roles within regional banking, focusing on strategic growth, risk management, and operational efficiency. Silverman's expertise spans commercial lending, retail banking, and wealth management. He is known for his commitment to community banking and fostering strong relationships with local businesses and residents. Silverman holds a degree in Business Administration and has completed executive education programs at leading institutions.
Track Record: Under David Scott Silverman's leadership, Union Bankshares, Inc. has maintained a stable financial performance, characterized by consistent profitability and a strong focus on customer service. He has overseen the expansion of the bank's digital banking capabilities and the implementation of strategic initiatives to enhance operational efficiency. Silverman has also played a key role in strengthening the bank's community engagement efforts and building its brand reputation in northern Vermont and New Hampshire.
Union Bankshares, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for UNB?
UNB holds an AI Score of 37/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. Union Bankshares, Inc. is a bank holding company operating through its subsidiary, Union Bank, offering a range of banking products and services in northern Vermont and New Hampshire. The company …
What does Union Bankshares, Inc. do?
Union Bankshares, Inc. operates as the bank holding company for Union Bank, providing a range of retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. The company offers deposit accounts, loans, online cash management, and trust services to individuals, businesses, and local governments.
What do analysts say about UNB stock?
Analyst coverage of Union Bankshares, Inc. (UNB) is limited, reflecting its small-cap status and regional focus. Key valuation metrics include a P/E ratio of 9.7 and a dividend yield of 5.96%. Growth considerations center on the company's ability to expand its digital banking services, increase commercial lending activities, and manage its loan portfolio in a changing interest rate environment.
What are the main risks for UNB?
Union Bankshares, Inc. faces several key risks, including increasing competition from larger regional and national banks, which could erode its market share and profitability. Changes in interest rates could negatively impact its loan portfolio and net interest margin. Economic downturns in northern Vermont and New Hampshire could lead to increased loan defaults and reduced demand for banking services.
What are the key factors to evaluate for UNB?
Union Bankshares, Inc. (UNB) holds an AI score of 37/100 (low). P/E: 9.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does UNB data refresh on this page?
UNB's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven UNB's recent stock price performance?
Union Bankshares, Inc. (UNB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in northern Vermont and New Hampshire. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UNB overvalued or undervalued right now?
Union Bankshares, Inc. (UNB) trades at 9.7x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research UNB before investing?
Before investing in Union Bankshares, Inc. (UNB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of the latest available reporting period.