Union Bankshares Inc.

UNB | NASDAQ

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$23.64

-$0.32 (-1.34%)

At close: Sep 21, 2026, 4:00 PM ET

$23.64

$0 (0.00%)

After-hours: Sep 21, 2026, 4:15 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $110.55M

Enterprise Value $455.95M

Beta 0.28

Average Volume 15.12K

Shares Outstanding (Diluted) 4.79M

Shares Change YoY 4.83%

Institutional Ownership 19.36%

Exchange NASDAQ

ISIN US9054001071

Price Performance

Price Change 1M -1.0%

Price Change 3M -4.5%

Price Change 6M 1.5%

Price Change YTD -0.3%

Price Change 1Y -8.9%

Price Change 3Y 5.8%

Price Change 5Y -21.4%

1M CAGR (ann.) 1.6%

1Y CAGR (ann.) -1.7%

5Y CAGR (ann.) -1.2%

All-Time CAGR 5.4%

Valuation

PE Ratio 9.06

Forward PE 7.56

PEG Ratio 0.33

Forward PEG 0.42

PS Ratio 1.21

Forward PS 1.00

PB Ratio 0.07

P/FCF Ratio -4.07

P/Adj. FCF Ratio -4.06

P/OCF Ratio -6.00

EV/Sales 5.05

EV/EBIT 33.96

EV/EBITDA 31.88

EV/FCF -17.00

Earnings Yield 11.0%

FCF Yield -24.6%

Adj. FCF Yield -24.6%

Financial Health

Net Debt $346.88M

Total Debt $353.4M

Cash & Short-Term Investments $314.5M

Total Assets $1.56B

Current Ratio 0.31

Quick Ratio 0.31

Debt / Equity Ratio 3.91

Debt / EBITDA 24.71

Debt / FCF -13.18

OCF / Debt -0.07

Interest Coverage 0.41

Altman Z-Score 0.16

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 63.1%

Operating Profit Margin 14.9%

EBITDA Margin 16.3%

Net Profit Margin 13.4%

FCF Margin -29.7%

Adj. FCF Margin -29.7%

SBC / Revenue -0.1%

SBC Impact (per share) -0.2%

Returns

Return on Assets 0.8%

Return on Equity 14.7%

Return on Invested Capital 0.8%

Return on Capital Employed 0.9%

Return on Tangible Assets 0.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 14.7%

Revenue CAGR 5Y 10.7%

Revenue CAGR 10Y 10.0%

EPS CAGR 3Y -3.1%

EPS CAGR 5Y -3.3%

EPS CAGR 10Y 4.0%

FCF CAGR 3Y -781.4%

FCF CAGR 5Y -134.3%

FCF CAGR 10Y -17.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 20, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $33.28

Graham Upside 40.8%

Lynch Fair Value $13.05

Lynch Upside -44.8%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $-25.53M

Free Cash Flow $-26.82M

Adj. Free Cash Flow $-26.87M

FCF Per Share -$4.27

OCF Per Share -$3.94

OCF/S Ratio -20.9%

Income Statement

Revenue $90.35M

Gross Profit $57.05M

Operating Income $13.43M

EBITDA $14.3M

Net Income $12.12M

EPS (Diluted) $2.61

Revenue / Employee $463.35K

Profit / Employee $62.17K

Employees 195

Dividends

Annual Dividend $1.44

Dividend Yield 6.09%

Payout Ratio 55.2%

FCF Payout Ratio -24.3%

Adj. FCF Payout Ratio -24.2%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Jul 26, 2026