Union Bankshares, Inc. (UNB)
Valuation Overview•Is Union Bankshares, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Fragile underlying quality score of 39/100; weak margins or elevated debt leverage warrant caution.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Mixed fundamental profile with offsetting strengths and weaknesses.
Wall Street sentiment is generally neutral with steady expected earnings growth. This outlook is strongly supported by highly attractive capital returns, anchored by a strong, well-covered dividend yield.
UNB demonstrates adequate business quality with stable profitability. However, this is severely offset by a highly leveraged balance sheet (Debt/EBITDA > 4.0x) and elevated financial risk.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. Operating efficiency remains adequate with margins around 14.4%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $22.0M | +12.0% | — | — | +9.7% | |
| EBITDA | $3.8M | — | -7.1% | — | — | |
| Net Income | $3.0M | +26.7% | -4.2% | — | +3.5% | |
| EPS (Diluted) | $0.65 | +26.6% | -4.5% | -3.1% | +3.2% | |
| Free Cash Flow | $2.5M | +44.2% | -17.4% | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 62.5% | 64.8% | 75.8% | 82.9% |
| Operating Margin | 14.4% | 14.9% | 20.7% | 24.1% |
| Net Margin | 13.1% | 13.6% | 17.9% | 19.9% |
| FCF Margin | -30.3% | 14.4% | 29.2% | 21.1% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.65 | — | ||
| Q2'26 | — | $0.65 | — | ||
| Q1'26 | — | $0.60 | — | ||
| Q1'26 | — | $0.60 | — | ||
| Q4'25 | — | $0.75 | — | ||
| Q3'25 | — | $0.53 | — | ||
| Q2'25 | — | $0.55 | — | ||
| Q1'25 | — | $0.67 | — |
Total return is +1.7% (1Y), lagging the benchmark by -19.1%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +8.3% | +1.0% | — |
| 1Y | +1.7% | -19.1% | +5.5% |
| 3YCAGR | +8.5% | -11.2% | +18.8% |
| 5YCAGR | -2.2% | -13.3% | +19.8% |
| 10YCAGR | +0.3% | -13.2% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Union Bankshares, Inc. (UNB) valuation, health, and returns.
Based on peer relative multiples, Union Bankshares, Inc. appears Fair versus peers compared to industry peers.
Union Bankshares, Inc. has multiple valuation anchors: Peer Relative Fair Value: $25.32. A convergence of these signals offers higher conviction.
Union Bankshares, Inc. displays weak financial health with a composite quality score of 39/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 2.5%.
Union Bankshares, Inc. pays a 5.7% dividend yield, covered by a 58% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Union Bankshares, Inc.'s current growth trajectory is Accelerating. The company achieved +12.0% 1Y revenue growth and +26.6% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 1 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for Union Bankshares, Inc. include: -25.4% 1-year max drawdown. Volatility risk is characterized by a beta of 0.56x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.