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UNION BANKSHARES INC

Data quality: 83%
UNB
NASDAQ Financial Services Depository Institutions
$24.42
▲ $0.03 (0.12%)
Mkt Cap: 110.39 M
Price
$23.93
Mkt Cap
110.39 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Earnings grew 26.47% over the past year
ROE of 14.88% — decent returns on equity
Generating 15.97 M in free cash flow
P/E of 9.96 — trading at a low valuation
Cash machine — converts 144.15% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)26.47%
FCF Growth (3Y)48.48%

Quality

Return on Equity
14.88%
Above sector avg (9.22%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
9.96
Below sector avg (11.12)
P/B Ratio1.42
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2698 peers)
Metric Stock Sector Median
P/E 10.0 11.1
P/B 1.4 1.2
ROE % 14.9 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

ETFs Holding This Stock

ERNZ logo ERNZ TRUESHARES ACTIVE YIELD ETF
0.26% weight
BRSIX BRSIX
0.18% weight
GSMRX GSMRX
0.02% weight
GMSMX GMSMX
0.02% weight
GISMX GISMX
0.02% weight
BOSVX BOSVX
0.00% weight
AVCNX AVCNX
0.00% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.00% weight

Dividend History

Ex-Date Payment Date Amount Yield
Jan 30, 2026 — $0.36 N/A
Oct 24, 2025 — $0.36 N/A
Jul 25, 2025 — $0.36 N/A
Apr 25, 2025 — $0.36 N/A
Jan 24, 2025 — $0.36 N/A
Oct 25, 2024 — $0.36 N/A
Jul 26, 2024 — $0.36 N/A
Apr 25, 2024 — $0.36 N/A
Jan 25, 2024 — $0.36 N/A
Oct 26, 2023 — $0.36 N/A
Jul 27, 2023 — $0.36 N/A
Apr 27, 2023 — $0.36 N/A
Jan 26, 2023 — $0.36 N/A
Oct 27, 2022 — $0.35 N/A
Jul 28, 2022 — $0.35 N/A
Apr 28, 2022 — $0.35 N/A
Jan 27, 2022 — $0.35 N/A
Oct 28, 2021 — $0.33 N/A
Jul 29, 2021 — $0.33 N/A
Apr 29, 2021 — $0.33 N/A

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 26.47% Earnings Growth (3Y) -0.79%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -4.23%
Profitability
Revenue (TTM) N/A Net Income (TTM) 11.08 M
ROE 14.88% ROA 0.73%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 15.97 M
ROIC N/A FCF Growth (3Y) 48.48%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 77.68 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 9.96 Forward P/E N/A
P/B Ratio 1.42 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 14.47%
Market Cap 110.39 M Enterprise Value 110.39 M
Per Share
EPS (Diluted TTM) 2.41 Revenue / Share N/A
FCF / Share 3.46 OCF / Share 3.73
EPS CAGR (1Y) 25.52% EPS CAGR (5Y) -4.69%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 144.15%
SBC-Adj. FCF 15.37 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 11.08 M 8.76 M 11.26 M 12.62 M 13.17 M
EPS (Diluted) 2.41 1.92 2.48 2.79 2.92
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 43.02 M 38.36 M 19.27 M 4.52 M 3.57 M
Income Tax 928,000.0 369,000.0 1.62 M 2.63 M 2.65 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.62 B 1.53 B 1.47 B 1.34 B 1.21 B
Total Liabilities 1.54 B 1.46 B 1.40 B 1.28 B 1.12 B
Shareholders' Equity 80.86 M 66.48 M 65.81 M 55.22 M 84.34 M
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —