UNB
Union Bankshares, Inc.
UNB's fundamentals are mixed: revenue grew 7.6%, while earnings per share grew 5.3%. At 8.8x earnings, it's trading below its usual 10x.
UNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UNB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UNB.
UNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $22.58 | -1.1% |
| Current | 8.8x | $22.84 | — |
| Fair | 10x | $26.37 | +15% |
| Expensive | 13x | $33.37 | +46% |
Historical ranges are pointers, not guarantees.
UNB's PE is in its cheap range at 8.8x.
UNB Forward outlook
There aren't enough analyst estimates for UNB to show an outlook.
UNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.60 | +5.3% |
| Q2 2026 | $2.59 | +29% |
| Q1 2026 | $2.51 | +29% |
| Q4 2025 | $2.41 | +26% |
| Q3 2025 | $2.47 | +27% |
| Q2 2025 | $2.01 | -8.6% |
| Q1 2025 | $1.94 | -17% |
| Q4 2024 | $1.92 | -23% |
UNB earned $2.60 per share over the past year, up 5.3% from the year before.
UNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $15M | +3.3% |
| Q2 2026 | $14.9M | +13% |
| Q1 2026 | $13.8M | +8.5% |
| Q4 2025 | $14.1M | +6.3% |
| Q3 2025 | $14.5M | +31% |
| Q2 2025 | $13.2M | +7.8% |
| Q1 2025 | $12.7M | +9.8% |
| Q4 2024 | $13.2M | +12% |
UNB's revenue has grown year over year for eight quarters in a row: $15M last quarter, up 3.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2021 | 30% | +0.5 points |
| Q1 2021 | 31% | +5.6 points |
| Q4 2020 | 35% | +5.4 points |
| Q3 2020 | 36% | N/A |
| Q2 2020 | 29% | N/A |
| Q1 2020 | 25% | N/A |
| Q4 2019 | 30% | N/A |
UNB's operating margin was 30% last quarter, up 0.5 points from the same quarter a year ago.
UNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $849K | -91% |
| Q2 2026 | $6M | +$6.4M |
| Q1 2026 | $2.5M | -37% |
| Q4 2025 | $2.9M | -49% |
| Q3 2025 | $9.6M | +793% |
| Q2 2025 | -$381K | -113% |
| Q1 2025 | $3.9M | +165% |
| Q4 2024 | $5.6M | +155% |
UNB's free cash flow was $12M over the past year, down 35% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UNB.
UNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3% | +145K shares |
| 1 year | +8.2% | +378K shares |
| 3 years | +9.6% | +438K shares |
| 5 years | +10% | +465K shares |
| Available history | +11% | +509K shares |
UNB has 5M diluted shares, up 8.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | $15,000 |
| Q3 2023 | $55,000 |
| Q2 2023 | — |
| Q1 2023 | $60,000 |
UNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2021 | -0.3x | Net Cash |
| Q1 2021 | -0.3x | Net Cash |
| Q4 2020 | 0.1x | Very low |
| Q3 2020 | -0.3x | Net Cash |
| Q2 2020 | -0.4x | Net Cash |
| Q1 2020 | -0.5x | Net Cash |
| Q4 2019 | 3.0x | Moderate |
UNB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UNB.
UNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.3 | Neutral |
| Stochastic | 16.2 | Oversold |
UNB's weekly RSI is 42 (neutral) and its Stochastic is 16 (oversold).
UNB PE vs Financial Services Sector
| Metric | UNB | Sector median | Relative |
|---|---|---|---|
| PE | 8.8x | 13x | 33% below |
| PE % | 18 | 63 | 45 pts below |
UNB is trading at 8.8x earnings, a 33% discount to the Financial Services sector's median of 13x.
UNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.0 | 0.8% below |
| 20 week MA | $23.8 | 3.8% below |
| 50 week MA | $23.9 | 4.4% below |
| 100 week MA | $26.1 | 12% below |
| 200 week MA | $25.9 | 12% below |
UNB is in a downtrend: it's below all five of its weekly moving averages, and 12% below its 200-week average.
UNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.1 | $25.8 | -30% |
| 2021 | $25.8 | $30.3 | +17% |
| 2022 | $30.3 | $23.2 | -23% |
| 2023 | $23.2 | $30.7 | +32% |
| 2024 | $30.7 | $28.6 | -6.7% |
| 2025 | $28.6 | $23.5 | -18% |
| 2026 YTD | $23.5 | $22.8 | -2.9% |
UNB has finished lower in four of the last six years. It's down 2.9% so far in 2026.