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Union Bankshares Inc. (UNB) Stock Fundamental Analysis & AI Rating 2026

UNB Nasdaq State Commercial Banks VT CIK: 0000706863
Recently Updated • Analysis: Apr 18, 2026 • SEC Data: 2025-12-31
BUY
72% Conf
Pending
Analysis scheduled

📊 UNB Key Takeaways

Revenue: $75.8M
Net Margin: 14.6%
Free Cash Flow: $16.0M
Current Ratio: N/A
Debt/Equity: 0.00x
EPS: $2.41
AI Rating: BUY with 72% confidence
Union Bankshares Inc. (UNB) receives a BUY rating with 72% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $75.8M, net profit margin of 14.6%, and return on equity (ROE) of 13.7%, Union Bankshares Inc. demonstrates strong fundamentals in the Finance sector. Below is our complete UNB stock analysis for 2026.

Is Union Bankshares Inc. (UNB) a Good Investment?

Claude

Union Bankshares demonstrates strong fundamental momentum with 76.2% revenue growth and 25.5% EPS growth, coupled with a healthy 14.6% net profit margin and exceptional free cash flow generation (21.1% FCF margin). The conservative balance sheet with zero long-term debt and solid ROE of 13.7% indicates financial stability, though the low ROA (0.7%) and limited cash reserves relative to asset base reflect typical banking sector characteristics and warrant monitoring.

Why Buy Union Bankshares Inc. Stock? UNB Key Strengths

Claude
  • + Exceptional 76.2% YoY revenue growth indicating strong business expansion
  • + Robust 25.5% EPS growth demonstrating operational leverage
  • + Zero long-term debt (0.00x Debt/Equity ratio) provides substantial financial flexibility
  • + Strong free cash flow generation at $16.0M with 21.1% FCF margin
  • + Healthy 14.6% net profit margin and 13.7% ROE for regional bank profitability
  • + Operating cash flow of $17.2M covers capital needs with surplus

UNB Stock Risks: Union Bankshares Inc. Investment Risks

Claude
  • ! Low ROA at 0.7% reflects capital-intensive banking model with limited asset efficiency
  • ! High leverage embedded in structure: $1.5B liabilities vs. $80.9M equity (18.5x ratio typical for banks but concentration risk exists)
  • ! Cash position of $12.3M is relatively constrained relative to $1.6B asset base, limiting flexibility
  • ! Regional bank exposed to geographic and economic concentration risk
  • ! Banking sector inherently sensitive to interest rate movements and regulatory changes
  • ! Limited liquidity metrics (no current/quick ratios) prevent full short-term solvency assessment

Key Metrics to Watch

Claude
  • * Net profit margin trend - maintain above 12% to confirm profitability sustainability
  • * Revenue growth sustainability - monitor if 76% growth is repeatable or normalization occurs
  • * ROE trajectory - target maintaining >12% as minimum acceptable return on equity
  • * Free cash flow generation - ensure FCF remains positive and above $15M annually
  • * Asset quality and non-performing loan ratio - critical for banking fundamentals
  • * Capital adequacy ratios - regulatory requirement for bank stability assessment

Union Bankshares Inc. (UNB) Financial Metrics & Key Ratios

Revenue
$75.8M
Net Income
$11.1M
EPS (Diluted)
$2.41
Free Cash Flow
$16.0M
Total Assets
$1.6B
Cash Position
$12.3M

💡 AI Analyst Insight

The 21.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.

UNB Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin N/A
Net Margin 14.6%
ROE 13.7%
ROA 0.7%
FCF Margin 21.1%

UNB vs Finance Sector: How Union Bankshares Inc. Compares

How Union Bankshares Inc. compares to Finance sector averages

Net Margin
UNB 14.6%
vs
Sector Avg 25.0%
UNB Sector
ROE
UNB 13.7%
vs
Sector Avg 12.0%
UNB Sector
Current Ratio
UNB 0.0x
vs
Sector Avg 1.2x
UNB Sector
Debt/Equity
UNB 0.0x
vs
Sector Avg 2.0x
UNB Sector

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.

Return on Equity
13.7%
Sector avg: 12%
Net Profit Margin
14.6%
Sector avg: 25%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.00x
Sector avg: 2x

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

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.00x
Debt/Assets
95.0%
Interest Coverage
N/A
Long-term Debt
N/A

UNB Revenue & Earnings Growth: 5-Year Financial Trend

UNB 5-year financial data:
Revenue
Net Income
EPS (right axis)

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

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
21.1%
Free cash flow / Revenue

Union Bankshares Inc. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$17.2M
Cash generated from operations
Capital Expenditures
$1.3M
Investment in assets
Dividends Paid
$6.6M
Returned to shareholders

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
Apr 15, 2026 8-K unb-20260415.htm View →
Apr 8, 2026 DEF 14A unb-20260408.htm View →
Mar 24, 2026 8-K unb-20260318.htm View →
Mar 20, 2026 10-K unb-20251231.htm View →
Mar 11, 2026 4 xslF345X05/wk-form4_1773261690.xml View →

Frequently Asked Questions about UNB

What is the AI rating for UNB?

Union Bankshares Inc. (UNB) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.

What are UNB's key strengths?

Claude: Exceptional 76.2% YoY revenue growth indicating strong business expansion. Robust 25.5% EPS growth demonstrating operational leverage.

What are the risks of investing in UNB?

Claude: Low ROA at 0.7% reflects capital-intensive banking model with limited asset efficiency. High leverage embedded in structure: $1.5B liabilities vs. $80.9M equity (18.5x ratio typical for banks but concentration risk exists).

What is UNB's revenue and growth?

Union Bankshares Inc. reported revenue of $75.8M.

Does UNB pay dividends?

Union Bankshares Inc. pays dividends, with $6.6M 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 $2.41.

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 rating reflects both perspectives for balanced insights.

Is UNB a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Union Bankshares Inc. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.

Is UNB stock overvalued or undervalued?

Valuation metrics for UNB: ROE of 13.7% (sector avg: 12%), net margin of 14.6% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.

Should I buy UNB stock in 2026?

Our dual AI analysis gives Union Bankshares Inc. a combined BUY rating 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 $17.2M, with capital expenditures of $1.3M. FCF margin is 21.1%.

How does UNB compare to other Finance stocks?

Vs Finance sector averages: Net margin 14.6% (avg: 25%), ROE 13.7% (avg: 12%), current ratio N/A (avg: 1.2).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Apr 18, 2026 | Data as of: 2025-12-31 | Powered by Claude AI