UNION BANKSHARES INC (UNB) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does UNION BANKSHARES INC Do?
Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; home improvement loans and overdraft; and residential construction and mortgage loans. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. It operates 18 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont. UNION BANKSHARES INC (UNB) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO David S. Silverman and employs approximately 190 people, headquartered in MORRISVILLE, Vermont. With a market capitalization of $113M, UNB is one of the notable companies in the Financials sector.
UNION BANKSHARES INC (UNB) Stock Rating — Hold (April 2026)
As of April 2026, UNION BANKSHARES INC receives a Hold rating with a composite score of 41.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.UNB ranks #1,548 out of 4,446 stocks in our coverage universe. Within the Financials sector, UNION BANKSHARES INC ranks #469 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
UNB Stock Price and 52-Week Range
UNION BANKSHARES INC (UNB) currently trades at $24.42. The stock gained $0.03 (0.1%) in the most recent trading session. The 52-week high for UNB is $36.00, which means the stock is currently trading -32.2% from its annual peak. The 52-week low is $20.65, putting the stock 18.3% above its annual trough. Recent trading volume was 4K shares, suggesting relatively thin trading activity.
Is UNB Overvalued or Undervalued? — Valuation Analysis
UNION BANKSHARES INC (UNB) carries a value factor score of 35/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 11.35x, compared to the Financials sector average of 14.88x — a discount of 24%. The price-to-book ratio stands at 1.36x, versus the sector average of 1.22x. The price-to-sales ratio is 1.61x, compared to 0.90x for the average Financials stock. On an enterprise value basis, UNB trades at 35.56x EV/EBITDA, versus 3.26x for the sector.
At current multiples, UNION BANKSHARES INC trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.
UNION BANKSHARES INC Profitability — ROE, Margins, and Quality Score
UNION BANKSHARES INC (UNB) earns a quality factor score of 60/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 11.9%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 0.6% versus the sector average of 1.2%.
On a margin basis, UNION BANKSHARES INC reports gross margins of 0.0%. The operating margin is 0.0% (sector: 21.8%). Net profit margin stands at 14.3%, versus 17.7% for the average Financials stock. Revenue growth is running at 16.0% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
UNB Debt, Balance Sheet, and Financial Health
UNION BANKSHARES INC has a debt-to-equity ratio of 1900.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.05x, suggesting adequate working capital coverage. Total debt on the balance sheet is $287M. Cash and equivalents stand at $5M.
UNB has a beta of 0.48, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for UNION BANKSHARES INC is 67/100, reflecting average volatility within the normal range for its sector.
UNION BANKSHARES INC Revenue and Earnings History — Quarterly Trend
In TTM 2026, UNION BANKSHARES INC reported revenue of $68M and earnings per share (EPS) of $2.43. Net income for the quarter was $10M. Gross margin was 0.0%. Operating income came in at $3M.
In FY 2025, UNION BANKSHARES INC reported revenue of $76M and earnings per share (EPS) of $2.43. Net income for the quarter was $11M. Revenue grew 11.5% year-over-year compared to FY 2024.
In Q3 2025, UNION BANKSHARES INC reported revenue of $19M and earnings per share (EPS) of $0.75. Net income for the quarter was $3M. Revenue grew 11.7% year-over-year compared to Q3 2024.
In Q2 2025, UNION BANKSHARES INC reported revenue of $13M and earnings per share (EPS) of $0.53. Net income for the quarter was $2M. Gross margin was 79.1%. Revenue grew -20.2% year-over-year compared to Q2 2024. Operating income came in at $3M.
Over the past 8 quarters, UNION BANKSHARES INC has demonstrated a growth trajectory, with revenue expanding from $17M to $68M. Investors analyzing UNB stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
UNB Dividend Yield and Income Analysis
UNION BANKSHARES INC (UNB) currently pays a dividend yield of 5.9%. At this yield, a $10,000 investment in UNB stock would generate approximately $$590.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning UNB offers above-average income for its sector. The net margin of 14.3% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.
UNB Momentum and Technical Analysis Profile
UNION BANKSHARES INC (UNB) has a momentum factor score of 35/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 27/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 5/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
UNB vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, UNION BANKSHARES INC (UNB) ranks #469 out of 891 stocks based on the Blank Capital composite score. This places UNB in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing UNB against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full UNB vs S&P 500 (SPY) comparison to assess how UNION BANKSHARES INC stacks up against the broader market across all factor dimensions.
UNB Next Earnings Date
No upcoming earnings date has been announced for UNION BANKSHARES INC (UNB) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy UNB? — Investment Thesis Summary
UNION BANKSHARES INC presents a balanced picture with arguments on both sides. The quality score of 60/100 indicates above-average profitability and business fundamentals. The value score of 35/100 indicates premium valuation. Momentum is weak at 35/100, a headwind for near-term performance. Low volatility (stability score 67/100) reduces downside risk.
In summary, UNION BANKSHARES INC (UNB) earns a Hold rating with a composite score of 41.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on UNB stock.
Related Resources for UNB Investors
Explore more research and tools: UNB vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare UNB head-to-head with peers: UNB vs WTM, UNB vs OPY, UNB vs ACT.