UNB
UNION BANKSHARES INC
Next earnings Jul 14, 2026
Last earnings -1.7% on 2026-05-07
$24.84
▼ -5.19%$24.84▲ +2.44%
over 1Y
L $20.88EODHDH $27.24
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-5.2%
1W+3.8%
1M+5.4%
3M+8.4%
YTD+7.8%
1Y+2.4%
Hold
Conviction
Horizon
Medium (3–12mo)
Undemanding valuation (P/E 10.3).
Return on equity 13.7% · latest
The read
Middling fundamentals offset by an attractive price (~269% below fair value) — worth a look on the value angle.
UNION BANKSHARES INC shows limited reported revenue, and 13.7% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $13.2M | $12.6M | $11.3M | $8.76M | $11.1M |
| Diluted EPS | $2.92 | $2.79 | $2.48 | $1.92 | $2.41 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF7.2
PEG (trailing)0.39
Earnings yield9.7%
FCF yield13.9%
Quality & risk
ROIC (est.)—
Free cash flow$16.0M
Total debt—
Net cash$12.3M
Capital returns
Buyback yield0.0%
Dividend yield (est.)5.7%
Shareholder yield5.7%
Shares Δ YoY+1.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-042026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗8-KPeriod ending 2026-05-202026-05-21open ↗SCHEDULE 13DFiling2026-05-18open ↗10-QPeriod ending 2026-03-312026-05-08open ↗
Frequently asked
- Is UNION BANKSHARES INC (UNB) a buy?
- UNB currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Undemanding valuation (P/E 10.3).
- What is UNB's fair value?
- A Modified-Graham model based on UNB's SEC fundamentals estimates a fair value of about $91.58. It is an estimate from reported earnings, not a price target.
- Is UNB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, UNB currently appears undervalued relative to its SEC-grounded earnings power.
- What is UNION BANKSHARES INC's quality score?
- UNB scores 82.35294117647058/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000706863, latest 10-Q filed 2026-05-08) · EODHD · as of 6/28/2026, 11:27:01 AM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.