Union Bankshares, Inc.
General ticker "UNB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $114.5M (TTM average)
Union Bankshares, Inc. does not follow the US Stock Market performance with the rate: -10.6%.
Estimated limits based on current volatility of 1.2%: low 25.11$, high 25.71$
Factors to consider:
- Earnings expected soon, date: 2026-07-22 bmo
- Company pays dividends (quarterly): last record date 2026-04-27, amount 0.36$ (Y5.67%)
- 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 downturn, Regulatory and compliance, Cybersecurity threats, Market competition
- Price in estimated range
- Earnings for 3 months up through Q1 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: [17.16$, 25.94$]
- 2026-12-31 to 2027-12-31 estimated range: [15.91$, 24.31$]
Financial Metrics affecting the UNB estimates:
- Positive: with PPE of 9.7 at the end of fiscal year the price was low
- Positive: Operating cash flow per share per price, % of 15.90 > 12.93
- Positive: Operating profit margin, % of 22.04 > 18.40
- Negative: Shareholder equity ratio, % of 5.00 <= 19.19
- Positive: Industry operating cash flow per share per price (median), % of 10.73 > 10.32
- Negative: Investing cash flow per share per price, % of -81.55 <= -14.27
- Negative: Interest expense per share per price, % of 30.28 > 3.34
- Negative: -0.75 < Inventory ratio change, % of 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 | $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.