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INDICATIVE · SAMPLE DATA
UNB$23.9458

Union Bankshares Inc

BanksVerified

Union Bankshares Inc has a market price of $23.94 and a market capitalization of $110.46 million, with a price-to-earnings ratio of 9.97 and a price-to-book ratio of 1.37. The company's liquidity is assessed as medium, with a debt-to-equity ratio of 0.2 and a negative net cash position after subtracting total debt. The company's profitability is reflected in a return on equity of 13.7% and a return on assets of 0.69%. These metrics are compared against the industry's preferred metrics, indicating that Union Bankshares Inc is performing above average in terms of return on equity but below average in terms of return on assets. Union Bankshares Inc's revenue is concentrated in its core banking operations, with no disclosed geographic or segment diversification. The company's revenue is primarily derived from its domestic operations, with no significant international exposure. The company's growth trajectory is expected to remain stable, with no significant changes in revenue or earnings projected for the current and next fiscal years. Historical revenue data shows a consistent performance, with no major fluctuations in the recent past. The risk assessment for Union Bankshares Inc indicates a low potential for dilution, with no significant dilution sources identified. The company's liquidity risk is moderate, primarily due to its negative net cash position after subtracting total debt. Credit risk is not a major concern, given the company's strong equity position and low debt levels. Recent events and filings for Union Bankshares Inc include a strong ESG governance score of 74.82 and a high ESG controversies score of 100.00, indicating minimal controversies and strong governance practices. No significant recent events or filings have been disclosed that would impact the company's operations or financial performance.

30-day price · UNB-0.89 (-3.7%)
Low$23.28High$25.53Close$23.43As of13 May, 00:00 UTC
Profile
CompanyUnion Bankshares Inc
TickerUNB.O
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Union Bankshares Inc operates as a bank, providing financial services to customers through its banking operations, generating revenue primarily from interest income on loans and fees from financial products and services.

Classification. Union Bankshares Inc is classified under the industry Banks, within the Financials economic sector and the Banking & Investment Services business sector, with a classification confidence of 0.92.

Union Bankshares Inc has a market price of $23.94 and a market capitalization of $110.46 million, with a price-to-earnings ratio of 9.97 and a price-to-book ratio of 1.37. The company's liquidity is assessed as medium, with a debt-to-equity ratio of 0.2 and a negative net cash position after subtracting total debt. The company's profitability is reflected in a return on equity of 13.7% and a return on assets of 0.69%. These metrics are compared against the industry's preferred metrics, indicating that Union Bankshares Inc is performing above average in terms of return on equity but below average in terms of return on assets. Union Bankshares Inc's revenue is concentrated in its core banking operations, with no disclosed geographic or segment diversification. The company's revenue is primarily derived from its domestic operations, with no significant international exposure. The company's growth trajectory is expected to remain stable, with no significant changes in revenue or earnings projected for the current and next fiscal years. Historical revenue data shows a consistent performance, with no major fluctuations in the recent past. The risk assessment for Union Bankshares Inc indicates a low potential for dilution, with no significant dilution sources identified. The company's liquidity risk is moderate, primarily due to its negative net cash position after subtracting total debt. Credit risk is not a major concern, given the company's strong equity position and low debt levels. Recent events and filings for Union Bankshares Inc include a strong ESG governance score of 74.82 and a high ESG controversies score of 100.00, indicating minimal controversies and strong governance practices. No significant recent events or filings have been disclosed that would impact the company's operations or financial performance.
Key takeaways
  • Union Bankshares Inc has a strong return on equity of 13.7%, indicating efficient use of shareholder equity.
  • The company's liquidity is assessed as medium, with a debt-to-equity ratio of 0.2 and a negative net cash position after subtracting total debt.
  • Union Bankshares Inc's revenue is concentrated in its core banking operations, with no significant geographic or segment diversification.
  • The company's ESG governance score is strong at 74.82, and it has a high ESG controversies score of 100.00, indicating minimal controversies.
  • The company's growth trajectory is expected to remain stable, with no significant changes in revenue or earnings projected for the current and next fiscal years.
  • --
  • # RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue$43.0M
Gross profit
Operating income
Net income$11.1M
R&D
SG&A
D&A
SBC
Operating cash flow$17.2M
CapEx-$1.3M
Free cash flow$5.0M
Total assets$1.62B
Total liabilities$1.54B
Total equity$80.9M
Cash & equivalents
Long-term debt$16.3M
Valuation
Market price$23.94
Market cap$110.5M
Enterprise value$126.8M
P/E10.0
Reported non-GAAP P/E
EV/Revenue3.0
EV/Op income
EV/OCF7.4
P/B1.4
P/Tangible book1.4
Tangible book$80.9M
Net cash-$16.3M
Current ratio
Debt/Equity0.2
ROA0.7%
ROE13.7%
Cash conversion1.6%
CapEx/Revenue-2.9%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricUNBActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin25.8%33.6% medp25 19.4% · p75 51.1%below median
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-2.9%-4.6% medp25 -10.4% · p75 -2.1%above median
Debt / equity20.0%56.1% medp25 13.2% · p75 161.2%below median
Observations
IR observations
Social pillar20.43 (0-100)
Governance pillar74.82 (0-100)
ESG controversies score100.00 (0-100, higher = fewer controversies)
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod financials
no public URL
2026-05-16 14:28 UTC#ca78bc52
Market quoteclose USD 24.55 · shares 0.00B diluted
no public URL
2026-05-16 14:30 UTC#76c00565
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 20:43 UTCJob: 1bd92d39