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Union Bankshares Inc

UNB | US

24.30

USD

-0.20

-0.82%

UNB | US
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About Union Bankshares Inc

Sector

Financial Services

Industry

Banks - Regional - US

Earnings date

30/06/2024

As of date

14/04/2026

Close

24.30

Open

24.30

High

24.30

Low

24.07

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.

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UNB | US

Risk
36.7
Sharpe
-0.50
Luna's Score
46/100
Recommendation
Hold

Luna says (UNB | US)

What's Working

Positive Momentum

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

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

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10 days

23.4%

1 month

36.7%

3 months

31.1%

6 months

31.8%

Returns

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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

109.93M

MarketCap(USD)

109.93M

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: Bullish (SMA10D > SMA1M)

Intermediate-term: Bearish (SMA1M < SMA3M)

Long-term: Bearish (SMA6M < SMA12M)

SMAs: Stock Price Trends

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Range10D

1.13

Range1M

2.48

Range3M

3.21

Volumes: Market Activity

Volume Averages

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Rel. volume

0.33

Price X volume

45.73K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Provident Financial Holdings IncPROVSavings & Cooperative Banks17.17117.84M0.12%14.47183.54%
First Keystone CorporationFKYSBanks - Regional - US19117.52M0.00%n/a320.77%
Riverview Bancorp IncRVSBSavings & Cooperative Banks5.53116.67M-0.36%47.5095.01%
CBB Bancorp IncCBBIBanks - Regional - US10.84114.78M1.03%4.470.00%
Magyar Bancorp IncMGYRBanks - Regional - US17.62114.36M-0.78%10.7526.20%
Bridger Aerospace Group Holdings Inc. Common StockBAERSecurity & Protection Services2.13113.24M-4.48%n/a542.59%
Bank of the James Financial Group IncBOTJBanks - Regional - US22.12100.50M1.70%6.8231.83%
United Bancorp IncUBCPBanks - Regional - US16.2693.88M2.33%8.30217.95%
Summit State BankSSBIBanks - Regional - US13.792.94M0.59%8.9610.41%
First US Bancshares IncFUSBBanks - Regional - US15.8791.17M1.73%8.3229.56%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment34.4198.82M-0.81%5.1619.82%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.0698.71M3.59%9.0939.79%
Reading International IncRDIBMedia - Diversified9.9578.05M-0.40%n/a4054.78%
ILAGILAGBuilding Products & Equipment3.665.02M1.12%n/a5.48%
Reading International IncRDIMedia - Diversified1.1231.62M4.19%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment0.9113.30M3.42%0.0316.03%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA--25.13-
Ent. to Revenue8.4073.69Cheaper
PE Ratio12.5018.44Cheaper
Price to Book1.943,795.44Cheaper
Dividend Yield5.243.11Leader
Std. Deviation (3M)31.0932.77Par
Debt to Equity4.110.66Expensive
Debt to Assets0.190.08Expensive
Market Cap109.93M2.81BEmerging
  • 1

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