📊 UNB Key Takeaways
Is Union Bankshares Inc. (UNB) a Good Investment?
Union Bankshares demonstrates robust top-line growth (76.2% revenue YoY, 25.5% EPS growth) with a fortress balance sheet and zero long-term debt, but is severely constrained by critically low returns on capital (3.7% ROE, 0.2% ROA) that indicate poor asset productivity or operational efficiency. The bank must prove it can translate revenue growth into normalized returns on equity (10%+) to justify investment.
Union Bankshares Inc. Key Strengths (UNB)
- Strong revenue growth of 76.2% YoY indicates market expansion or integration benefits
- Solid balance sheet with zero long-term debt and positive free cash flow generation ($2.5M)
- Net margin of 15.4% and growing EPS (+25.5% YoY) show profitability is improving
- Adequate liquidity with $29.8M cash and low capital requirements ($180K CapEx)
UNB Stock Risks: Union Bankshares Inc. Investment Risks
- Critical concern: ROE of 3.7% is well below banking industry standards (10-15%), indicating poor capital efficiency
- Severely concerning: ROA of 0.2% suggests asset quality issues or non-productive loan portfolio
- Unclear profitability drivers with missing operating margin data; reliance on net income obscures operational performance
- 7 insider Form 4 filings in 90 days may signal uncertainty or position adjustments by management
Key Metrics to Watch
- Return on Equity (target 10%+ for sustainable banking business)
- Return on Assets (target 0.8-1.2% for healthy asset quality)
- Net Interest Margin and loan loss provisions (indicates credit quality)
- Cost-to-Income ratio (operational efficiency critical at current profitability levels)
Union Bankshares Inc. (UNB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
UNB Profit Margin, ROE & Profitability Analysis
UNB vs Finance Sector: How Union Bankshares Inc. Compares
How Union Bankshares Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Union Bankshares Inc. Stock Overvalued? UNB Valuation Analysis 2026
Based on fundamental analysis, Union Bankshares Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Union Bankshares Inc. Balance Sheet: UNB Debt, Cash & Liquidity
UNB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Union Bankshares Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.53 reflects profitable operations.
UNB Revenue Growth, EPS Growth & YoY Performance
Union Bankshares Inc. Dividends, Buybacks & Capital Allocation
UNB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Union Bankshares Inc. (CIK: 0000706863)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779481108.xml | View → |
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779481100.xml | View → |
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779481094.xml | View → |
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779481086.xml | View → |
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779481082.xml | View → |
❓ Frequently Asked Questions about UNB
What is the AI rating for UNB?
Union Bankshares Inc. (UNB) has an AI grade of B with 48% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UNB's key strengths?
Claude: Strong revenue growth of 76.2% YoY indicates market expansion or integration benefits. Solid balance sheet with zero long-term debt and positive free cash flow generation ($2.5M).
What are the risks of investing in UNB?
Claude: Critical concern: ROE of 3.7% is well below banking industry standards (10-15%), indicating poor capital efficiency. Severely concerning: ROA of 0.2% suggests asset quality issues or non-productive loan portfolio.
What is UNB's revenue and growth?
Union Bankshares Inc. reported revenue of $19.5M.
Does UNB pay dividends?
Union Bankshares Inc. pays dividends, with $1.7M distributed to shareholders in the trailing twelve months.
Where can I find UNB SEC filings?
Official SEC filings for Union Bankshares Inc. (CIK: 0000706863) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UNB's EPS?
Union Bankshares Inc. has a diluted EPS of $0.65.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is UNB's fundamental grade?
Based on our AI fundamental analysis in June 2026, Union Bankshares Inc. has a B grade with 48% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is UNB stock overvalued or undervalued?
Valuation metrics for UNB: ROE of 3.7% (sector avg: 12%), net margin of 15.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is UNB's AI grade for 2026?
Our dual AI analysis gives Union Bankshares Inc. a combined B grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UNB's free cash flow?
Union Bankshares Inc.'s operating cash flow is $2.6M, with capital expenditures of $180.0K. FCF margin is 12.5%.
How does UNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 15.4% (avg: 25%), ROE 3.7% (avg: 12%), current ratio N/A (avg: 1.2).