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UNB

BEARISH
$24.49 Live
Union Bankshares, Inc. · NASDAQ
$20.65 52W Range $36.0
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 22, 2026
Market cap
$113.0M
P/E
10.16
ROE
N/A
Profit margin
N/A
Debt/Equity
N/A
Dividend yield
5.88%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
Union Bankshares (UNB) exhibits severe financial distress as indicated by a Piotroski F-Score of 0/9, the lowest possible health rating. While the P/E ratio of 10.16 and a 5.88% dividend yield appear attractive on the surface, they are offset by a 0/100 technical trend and a consistent failure to beat earnings estimates. The combination of deteriorating fundamentals and a bearish price trajectory suggests a value trap rather than a value opportunity.

Key Strengths

Relatively low P/E ratio of 10.16
Attractive dividend yield of 5.88%
Positive Q/Q revenue growth of 3.27%
Moderate Price-to-Book ratio of 1.40
Small market cap provides potential for acquisition

Key Risks

Critical financial health failure (Piotroski F-Score 0/9)
Strong bearish technical trend (0/100 score)
Poor earnings track record with 0/2 estimates beaten
Negative 1-year price performance (-16.5%)
Low dividend strength score (40/100) suggesting sustainability risks
AI Fair Value Estimate
Based on comprehensive analysis
$18.5
-24.5% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
32
Weak
Value
45
Future
30
Past
35
Health
0
Dividend
50
AI Verdict
High Risk / Value Trap
Key drivers: Piotroski F-Score of 0/9, Bearish technical trend, Poor earnings surprises
Confidence
90%
Value
45/100

P/E 10.16; Graham Number N/A

Positives
  • Low P/E ratio
Watchpoints
  • P/B of 1.40 is high for a company with zero health score
Future
30/100

Ref Growth rates and Earnings track record

Positives
  • Slight Q/Q revenue growth
Watchpoints
  • 0% earnings beat rate
  • Negative long-term price momentum
Past
35/100

Ref Historical price trends

Positives
  • 3Y change was positive (+28.5%)
Watchpoints
  • 1Y change -16.5%
  • 5Y change -4.1%
Health
0/100

Ref Piotroski F-Score

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 0/9 indicates systemic fundamental decline
Dividend
50/100

Ref Yield and Dividend Strength

Positives
  • High yield of 5.88%
Watchpoints
  • Low dividend strength score (40/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$24.49

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for UNB and closest competitors.

Updated 2026-04-21
UNB
Union Bankshares, Inc.
Primary
5Y
-4.1%
3Y
+28.5%
1Y
-16.5%
6M
+1.5%
1M
+1.5%
1W
+0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
10.16
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.4
P/S Ratio
N/A
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$113.0M

Profitability

Profit margins and return metrics

Profit Margin N/A
Operating Margin N/A
Gross Margin N/A
ROE N/A
ROA N/A

Growth

Revenue and earnings growth rates

Revenue Growth N/A
Earnings Growth N/A
Q/Q Revenue Growth +3.27%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$N/A

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
20.0%
Total Assets
$1.6B
Liabilities
$1.5B
Equity
$0.1B
Debt/Equity
19.00x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
91%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22
$N/A
2026-04-22
$N/A

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

SILVERMAN DAVID SCOTT
Chief Executive Officer
Stock Award
2026-03-11
6,153 shares
HALE KARYN J
Chief Financial Officer
Stock Award
2026-03-11
2,939 shares
KENDALL STEPHEN H
Officer of Subsidiary Company
Stock Award
2026-03-11
2,301 shares
GOULD JONATHAN JAY
Officer of Subsidiary Company
Stock Award
2026-03-11
2,750 shares
HOGAN PATRICIA N
Officer of Subsidiary Company
Stock Award
2026-03-11
2,301 shares
LOCKLIN CARRIE R
Divisional Officer
Stock Award
2026-03-11
920 shares
SCHOENIG VINCENT W
Officer of Subsidiary Company
Stock Award
2026-03-11
2,301 shares
HOGAN PATRICIA N
Officer of Subsidiary Company
Buy
2026-02-05
8 shares · $217
VAN DYKE CORNELIUS JOHN
Chairman of the Board
Buy
2025-12-01
450 shares · $10,140
HOGAN PATRICIA N
Divisional Officer
Buy
2025-11-06
23 shares · $632
PARENT MARY K
Director
Buy
2025-11-05
50 shares · $1,176
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K/A
BODY OF FORM 8-K/A
2026-04-17

UNB filed an amendment to a previously submitted current report on April 17, 2026.

8-K
BODY OF FORM 8-K
2026-04-15

UNB likely reported its first-quarter financial results for the period ending March 31, 2026.

DEF 14A
PROXY
2026-04-08

UNB filed a definitive proxy statement on April 8, 2026, providing shareholders with necessary information to vote on corporate matters.

8-K
BODY OF FORM 8-K
2026-03-24

UNB filed a Form 8-K, likely to announce its quarterly financial results.

10-K
BODY OF FORM 10-K
2026-03-20

UNB filed its 10-K on March 20, 2026, which includes standard disclosures regarding its business operations, risk factors, and financial condition. Specific financial highlights and detailed risk factors were not provided in the available excerpts.

8-K
8-K
2026-02-26

UNB Corporation filed an 8-K on February 26, 2026, likely to announce its financial results for the fourth quarter and full year ended December 31, 2025.

8-K
BODY OF FORM 8-K
2026-02-05

UNB filed an 8-K on February 5, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
BODY OF FORM 8-K
2026-01-21

UNB filed an 8-K on January 21, 2026, likely to announce its year-end financial results or a material corporate development.

8-K
BODY OF FORM 8-K
2025-11-19

UNB filed a Form 8-K on November 19, 2025, to disclose material corporate events.

10-Q
BODY OF FORM 10-Q
2025-11-10

UNB filed its Form 10-Q on November 10, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for risk factors.

8-K
BODY OF FORM 8-K
2025-11-07
8-K
BODY OF FORM 8-K
2025-10-15
8-K
8-K
2025-08-13
10-Q
BODY OF FORM 10-Q
2025-08-13
8-K
BODY OF FORM 8-K
2025-08-07
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning UNB from our newsroom.

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