Union Bankshares, Inc.
General ticker "UNB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $110.6M (TTM average)
Union Bankshares, Inc. follows the US Stock Market performance with the rate: 8.5%.
Estimated limits based on current volatility of 0.8%: low 22.78$, high 23.15$
Factors to consider:
- Earnings expected soon, date: 2026-10-21 bmo
- Company pays dividends (quarterly): last record date 2026-07-27, amount 0.36$ (Y6.26%)
- Total employees count: 195 (+2.1%) as of 2025
- Company does not operate outside North America (retrieved using AI)
- Top business risk factors: Geographic concentration, Market downturns, Regulatory and compliance, Cybersecurity threats, Market competition
- Price in estimated range
- Earnings for 6 months up through Q2 exceed our estimates
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: [17.61$, 26.41$]
- 2026-12-31 to 2027-12-31 estimated range: [16.36$, 24.82$]
Financial Metrics affecting the UNB estimates:
- Positive: with PPE of 9.7 at the end of fiscal year the price was neutral
- Negative: Shareholder equity ratio, % of 5.00 <= 7.04
- Positive: 15.29 < Operating cash flow per share per price, % of 15.95
- Positive: 15.80 < Operating profit margin, % of 22.04
- Negative: Industry operating profit margin (median), % of 24.03 <= 26.54
- Negative: Interest expense per share per price, % of 30.36 > 10.35
- Negative: -0.37 < Inventory ratio change, % of 0
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.68 <= 0.90
Short-term UNB quotes
Long-term UNB plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $47.75MM | $48.09MM | $54.48MM |
| Operating Expenses | $34.87MM | $38.96MM | $42.47MM |
| Operating Income | $12.88MM | $9.13MM | $12.01MM |
| Interest Expense | $19.27MM | $29.59MM | $32.80MM |
| Income(Loss) | $12.88MM | $9.13MM | $12.01MM |
| Taxes | $1.62MM | $0.37MM | $0.93MM |
| Net Income(Loss)* | $11.26MM | $8.76MM | $11.08MM |
| 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 | $17.23MM |
| Capital expenditure | $1.95MM | $1.07MM | $1.25MM |
| Investing Cash Flow | $-82.25MM | $-124.83MM | $-88.33MM |
| Financing Cash Flow | $112.84MM | $50.85MM | $67.57MM |
| Earnings Per Share** | $2.50 | $1.94 | $2.42 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.