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Union Bankshares Inc
UNB | US
23.44
USD-0.62
-2.58%
UNB | US
About Union Bankshares Inc
Sector
Financial Services
Industry
Banks - Regional - US
Earnings date
30/06/2024
As of date
06/03/2026
Close
23.44
Open
23.16
High
23.77
Low
23.14
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. Union Bankshares Inc. was founded in 1891 and is headquartered in Morrisville Vermont.
View LessUNB | US
Risk
31.8
Sharpe
-0.55
Luna's Score
46/100
Recommendation
Hold
Luna says (UNB | US)
What's Working
Low 6-Month Volatility (<30%)
Good Dividend Yield (2% <= Dividend Yield <= 8%)
Low Market Beta (-0.4 to 0.8)
Low Debt to Asset (< 0.2)
Value Stock (Price to Book < 3)
What's not Working
Price Below SMA10D
High Short-term Volatility
Microcap (<300M USD)
High Debt to Equity (> 0.75)
Declining Revenue (< 0%)
Weak Sharpe Ratio (< 0.3)
Volatility Signals
Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.
Risk Meter
10 days
40.4%1 month
31.8%3 months
26.4%6 months
29.4%Returns
Fundamental Ratios
PE
12.50
Fwd. PE
-
Price to book
1.94
Debt to equity
4.11
Debt to assets
0.19
Ent. to EBITDA
-
Ent. to rev.
8.40
PEG
-
Other Fundamentals
EBITDA
-
MarketCap
106.04M
MarketCap(USD)
106.04M
Div. yield
5.24
Op. margin
16.72
Erngs. growth
-25.40
Rev. growth
-3.70
Ret. on equity
16.27
Short ratio
1.74
Short perc.
0.23
Market Sentiment (SMA and Price signals)
Short-term: Bearish (SMA10D < SMA1M)
Intermediate-term: Bullish (SMA1M > SMA3M)
Long-term: Bearish (SMA6M < SMA12M)
SMAs: Stock Price Trends
Range10D
1.99
Range1M
2.48
Range3M
2.91
Volumes: Market Activity
Rel. volume
0.77
Price X volume
248.28K
Peers
Diversifiers
Industry Comparison
| Parameter | Company | Industry | Indicator |
|---|---|---|---|
| Enterprise to EBITDA | - | -25.13 | - |
| Ent. to Revenue | 8.40 | 73.69 | Cheaper |
| PE Ratio | 12.50 | 18.44 | Cheaper |
| Price to Book | 1.94 | 3,795.44 | Cheaper |
| Dividend Yield | 5.24 | 3.11 | Leader |
| Std. Deviation (3M) | 26.36 | 32.77 | Par |
| Debt to Equity | 4.11 | 0.66 | Expensive |
| Debt to Assets | 0.19 | 0.08 | Expensive |
| Market Cap | 106.04M | 2.81B | Emerging |
