UNB
Union Bankshares Inc
NASDAQ: UNB · FINANCIAL SERVICES · BANKS - REGIONAL
$23.74
+1.24% today
Updated 2026-10-28
Market cap
$115.98M
P/E ratio
8.95
P/S ratio
2.01x
EPS (TTM)
$2.62
Dividend yield
6.18%
52W range
$20 – $26
Volume
0.0M
WallStSmart proprietary scores
54
out of 100
Grade: C
Hold
Investment rating
6.0
Growth
B3.0
Quality
D7.5
Profitability
B+6.7
Valuation
B4/9
Piotroski F-Score
Moderate
0.0
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →270 stocks currently score above 75
Price targets
Analyst target
$23.31
-1.81%
12-Month target
$23.31
-1.81%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Profit margin 21.50% — above average
+ Free cash flow $5.99M — positive
Risks
- Altman Z 0.03 — distress zone
- Debt/equity 3.91x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $53.07M | $67.28M | $77.94M | $87.30M | $57.79M |
| Net income | $12.62M | $11.26M | $8.76M | $11.10M | $2.92M |
| EPS | — | — | — | — | $2.62 |
| Free cash flow | $28.37M | $7.25M | $11.08M | $15.97M | $5.99M |
| Profit margin | 23.77% | 16.73% | 11.24% | 12.71% | 21.50% |
Peer comparison
Smart narrative
Union Bankshares Inc trades at $23.74. representing a P/E of 8.95x trailing earnings. Our Smart Value Score of 54/100 indicates the stock is fair. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 0.03, it sits in the distress. TTM revenue stands at $57.79M. with profit margins at 21.50%.
Frequently asked questions
What is Union Bankshares Inc's stock price?
Union Bankshares Inc (UNB) trades at $23.74, on a P/E of 9.0x and a P/S of 2.0x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Union Bankshares Inc overvalued?
Union Bankshares Inc carries a Smart Value Score of 54/100 (Grade C), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Union Bankshares Inc (UNB)?
The 12-month analyst consensus target is $23.31, about 1.8% below the current $23.74. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Union Bankshares Inc's revenue?
Union Bankshares Inc's trailing twelve-month revenue is $57.79M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Union Bankshares Inc's Altman Z-Score is 0.03, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.01x
ROE15.40%
Beta0.27
50D MA$23.43
200D MA$23.98
Shares out0.00B
Float0.00B
Short ratio—
Avg volume0.0M
Performance
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