Union Bankshares, Inc.
General ticker "UNB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $130.3M (TTM average)
Union Bankshares, Inc. does not follow the US Stock Market performance with the rate: -32.6%.
Estimated limits based on current volatility of 1.0%: low 23.97$, high 24.47$
Factors to consider:
- Earnings expected soon, date: 2026-04-22 amc
- Company pays dividends (quarterly): last record date 2026-01-31, amount 0.36$ (Y5.83%)
- Total employees count: 197 (+4.8%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Cybersecurity threats, Economic downturns and volatility, Liquidity and credit risks, Market competition, Labor/talent shortage/retention
- Price in estimated range
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [17.47$, 26.65$]
- 2026-12-31 to 2027-12-31 estimated range: [16.83$, 25.80$]
Financial Metrics affecting the UNB estimates:
- Positive: with PPE of 9.7 at the end of fiscal year the price was neutral
- Positive: 7.68 < Operating profit margin, % of 13.78
- Negative: Shareholder equity ratio, % of 5.00 <= 19.49
- Positive: -4.45 < Investing cash flow per share per price, % of -1.34
- Positive: -3.36 < Return on assets ratio (scaled to [-100,100]) of 0.68
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Inventory ratio change, % of 0 <= 0
Short-term UNB quotes
Long-term UNB plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $67.28MM | $77.94MM | $87.30MM |
| Operating Expenses | $54.40MM | $68.81MM | $75.27MM |
| Operating Income | $12.88MM | $9.13MM | $12.03MM |
| Interest Expense | $19.27MM | $29.59MM | $32.80MM |
| Income(Loss) | $12.88MM | $9.13MM | $12.03MM |
| Taxes | $1.62MM | $0.37MM | $0.93MM |
| Profit(Loss)* | $11.26MM | $8.76MM | $11.12MM |
| Stockholders Equity | $65.81MM | $66.48MM | $80.86MM |
| Assets | $1,468.88MM | $1,528.36MM | $1,617.19MM |
| Operating Cash Flow | $9.19MM | $12.15MM | $6.76MM |
| Capital expenditure | $1.95MM | $1.07MM | $1.25MM |
| Investing Cash Flow | $-82.25MM | $-124.83MM | $-1.45MM |
| Financing Cash Flow | $112.84MM | $50.85MM | $-5.30MM |
| Earnings Per Share** | $2.50 | $1.94 | $2.43 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.