Companies ›Financials ›UNB

UNB — Nasdaq Banks

Union Bankshares Inc

$23,66

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USD

Set alert

LatestAtlantic Union Bankshares files 8-K on material agreement, triggering thesis revision

Last 30 days

1D5D1M3M6MYTD1Y5YMax

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Mcap

110,0M USD

P/E

10,3x

EV / Rev

—

Div yield

5,87 %

Op margin

—

ROE

3,7 %

Net margin

—

Debt / equity

—

Beta

—

52w range

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Volume

—

Day range

—

Prev close

$24,80

Open

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Next earnings

2026-10-28

Ex-dividend

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TR 1Y

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About

UNION BANKSHARES INC is classified under Financials / Banks and appears profitable on the latest normalized snapshot.

Business. Union Bankshares Inc (UNB) is a bank headquartered in the United States that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the Nasdaq stock exchange under the ticker symbol UNB. Specific details regarding operating segments or geographic breakdowns are not provided in the available data.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

Generated · rules-based

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

—

not yet scored

Valuation→

10,3x

P/E

Analysts

—

not yet wired

Ownership→

Dimensional Fund Advisors, L.P.

largest disclosed fund holder

Profitability→

3,7 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

MARKETSAtlantic Union Bankshares files 8-K on material agreement, triggering thesis revision2026-08-01

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,7 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Consumer Discretionary+0,4 %+7,7 %−0,2 %

Information Technology+0,3 %+7,8 %−0,3 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to UNB. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · 2026-08-01

Composite-score breakdown

Synthesis

Business

Union Bankshares Inc (UNB) is a bank headquartered in the United States that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the Nasdaq stock exchange under the ticker symbol UNB. Specific details regarding operating segments or geographic breakdowns are not provided in the available data.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

AI synthesis

GENERATED

UNION BANKSHARES INC (UNB) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 1,625,145,000 USD, total equity 80,565,000, short-term debt 0, long-term debt 0. Self-calculated market cap is 114,087,238 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 0, gross profit 0, operating income 0, net income 3,004,000. Return on equity ~3.7%. Return on assets ~0.2%. Operating-cash-flow to net-income ratio is 0.88. Risk profile from automated assessment: liquidity risk unknown, dilution risk medium. Flags: Source documents mention dilution or offering risk.; Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).. Recent news context: [TRIGGER] allocator_boost: allocator_boost (allocator) on UNB — watcher=allocator; producer_version=ws49-p2a-v1; plan_date=2026-07-15; rank=25; ev=7.094022; company_id=1fcf5af8-ee81-45bd-b6e2-0f88ebe3e516; term_contributions={'event_proximity': 3.222821, 'gradability': 0.0, 'staleness': 3.871201, 'credibility_interest': 0.0}; days_since_analysis=47; pending_promises=0; reason=Allocator coverage boost rank #25 EV=7.094022 for UNB (hot+stale; days_since=47); contributing_watchers=allocator (source=allocator; url=allocator:2026-07-15:UNB). Additional context: allocator_boost: watcher=allocator; producer_version=ws49-p2a-v1; plan_date=2026-07-15; rank=25; ev=7.094022; company_id=1fcf5af8-ee81-45bd-b6e2-0f88ebe3e516; term_contributions={'event_proximity': 3.222821, 'gradability': 0.0, 'staleness': 3.871201, 'credibility_interest': 0.0}; days_since_analysis=47; pending_promises=0; reason=Allocator coverage boost rank #25 EV=7.094022 for UNB (hot+stale; days_since=47); contributing_watchers=allocator. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.

Key takeaways

Observed GAAP P/E is about 37.98x.
Return on equity is about 3.7%.
Debt to equity is about 0.0x.
[TRIGGER] allocator_boost: allocator_boost (allocator) on UNB — watcher=allocator; producer_version=ws49-p2a-v1; plan_date=2026-07-15; rank=25; ev=7.094022; company_id=1fcf5af8-ee81-45bd-b6e2-0f88ebe3e516; term_contributions={'event_proximity': 3.222821, 'gradability': 0.0, 'staleness': 3.871201, 'credibility_interest': 0.0}; days_since_analysis=47; pending_promises=0; reason=Allocator coverage boost rank #25 EV=7.094022 for UNB (hot+stale; days_since=47); contributing_watchers=allocator (source=allocator; url=allocator:2026-07-15:UNB)
Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
This ASU updated guidance on accounting for internal-use software.

Bull / Bear case

Generated · model-assisted

BULL CASE · 5

Total assets grew 5.8% year-over-year to $1.62 billion, indicating steady balance sheet expansion for the bank.

Equity increased 21.6% year-over-year to $80.9 million, strengthening the capital base relative to prior periods.

The company trades at 1.42x price-to-book, offering a modest premium to tangible book value of $17.34 per share.

Net income showed a 4.4% year-over-year increase in the latest period, suggesting recent earnings stability.

Free cash flow reached $15.97 million in FY2025, demonstrating the ability to generate cash from operations.

BEAR CASE · 4

Return on equity of 3.73% falls significantly below the 6.47% median for the broader banking cohort.

Return on assets of 0.18% indicates extremely low efficiency in converting total assets into net income.

Cash conversion ratio of 0.88 is below the 1.13 median, suggesting weaker cash generation relative to peers.

The company faces medium dilution risk, which could negatively impact per-share value and existing shareholder equity.

In focus — financials by report

Quarterly

Annual

QUARTERLYFiled 2026-03-31

Q4 2025 · Quarter highlights

Revenue—

Operating income—

Net income$3.0M

Free cash flow$2.5M

EPS—

Operating cash flow$2.6M

Financials

Income statement

Revenue—

Gross profit—

Operating income—

Net income$3.0M

Balance sheet

Total assets$1.63B

Total liabilities$1.54B

Total equity$80.6M

Cash & equivalents—

Long-term debt—

Cash flow

Operating cash flow$2.6M

CapEx$180.0k

Free cash flow$2.5M

SBC$201.0k

Valuation FY

Market price

$23,66

Market cap

$114.1M

Enterprise valueⓘ

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P/Eⓘ

10.3x

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

1.4x

P / Tangible bookⓘ

1.4x

Tangible book

$80.6M

Net cashⓘ

—

Current ratioⓘ

—

Debt / equityⓘ

—

ROAⓘ

0.2%

ROEⓘ

3.7%

Cash conversionⓘ

88.0%

CapEx / revenueⓘ

—

SBC / revenueⓘ

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Dilution ratioⓘ

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