Union Bankshares Stock Today

UNB Stock  USD 28.10  1.02  3.50%   

Performance

Very Weak

 
Weak
 
Strong

Odds Of Distress

Low

 
High
 
Low
Union Bankshares is trading at 28.10 as of the 14th of April 2025, a 3.5 percent decrease since the beginning of the trading day. The stock's open price was 29.12. Union Bankshares has less than a 10 % chance of experiencing some financial distress in the next two years of operation, but has generated negative returns over the last 90 days. The performance scores are derived for the period starting the 14th of January 2025 and ending today, the 14th of April 2025. Click here to learn more.
Business Domain
Banks
IPO Date
11th of June 1998
Category
Financial Services
Classification
Financials
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. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont. The company has 4.54 M outstanding shares of which 28.29 K shares are at this time shorted by investors with about 2.68 days to cover. More on Union Bankshares

Moving together with Union Stock

  0.61AX Axos FinancialPairCorr
  0.75NU Nu HoldingsPairCorr

Union Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CEODavid Silverman
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00540.0057
Notably Down
Slightly volatile
Asset Turnover0.05160.0309
Way Up
Very volatile
Total Current Liabilities26.5 M17 M
Way Up
Slightly volatile
Non Current Liabilities Total1.5 B1.4 B
Sufficiently Up
Slightly volatile
Total Assets1.6 B1.5 B
Sufficiently Up
Slightly volatile
Total Current Assets15 M15.8 M
Notably Down
Pretty Stable
Debt Levels
Union Bankshares can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Union Bankshares' financial leverage. It provides some insight into what part of Union Bankshares' total assets is financed by creditors.
Liquidity
Union Bankshares has 275.97 M in debt with debt to equity (D/E) ratio of 10.74, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Note however, debt could still be an excellent tool for Union to invest in growth at high rates of return.

Sale Purchase Of Stock

0.0
Union Bankshares (UNB) is traded on NASDAQ Exchange in USA. It is located in 20 Lower Main Street, Morrisville, VT, United States, 05661-0667 and employs 191 people. Union Bankshares is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a total capitalization of 127.53 M. Union Bankshares runs under Banks sector within Financials industry. The entity has 4.54 M outstanding shares of which 28.29 K shares are at this time shorted by investors with about 2.68 days to cover. Union Bankshares has about 39.24 M in cash with 12.15 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 8.73.
Check Union Bankshares Probability Of Bankruptcy
Ownership Allocation
The market capitalization of Union Bankshares is $127.53 Million. Union Bankshares maintains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Check Union Ownership Details

Union Stock Institutional Holders

InstituionRecorded OnShares
Renaissance Technologies Corp2024-12-31
18.7 K
Alpine Partners Vi, Llc2024-12-31
18.6 K
Bridgeway Capital Management, Llc2024-12-31
15.8 K
Qube Research & Technologies2024-12-31
13.7 K
Morgan Stanley - Brokerage Accounts2024-12-31
13.6 K
State Street Corp2024-12-31
11.2 K
683 Capital Management Llc2024-12-31
10.5 K
Community Financial Services Group2024-12-31
8.5 K
Citadel Advisors Llc2024-12-31
8.3 K
Fmr Inc2024-12-31
283.1 K
Vanguard Group Inc2024-12-31
148.5 K
View Union Bankshares Diagnostics

Union Bankshares Historical Income Statement

At present, Union Bankshares' Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Total Operating Expenses is expected to grow to about 29 M, whereas Depreciation And Amortization is forecasted to decline to about 1.3 M. View More Fundamentals

Union Stock Against Markets

Union Bankshares Corporate Management

Jeffrey CoslettVP and Sr. VP of HR and Branch Admin. of Union BankProfile
Karyn CPATreasurer VPProfile
Patricia HoganSenior OfficerProfile
Kristy AlfieriAssistant SecretaryProfile
Timothy SargentIndependent SecretaryProfile
When determining whether Union Bankshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Union Bankshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Union Bankshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Union Bankshares Stock:
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Union Bankshares. If investors know Union will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Union Bankshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.01)
Dividend Share
1.44
Earnings Share
1.92
Revenue Per Share
10.426
Quarterly Revenue Growth
0.064
The market value of Union Bankshares is measured differently than its book value, which is the value of Union that is recorded on the company's balance sheet. Investors also form their own opinion of Union Bankshares' value that differs from its market value or its book value, called intrinsic value, which is Union Bankshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Union Bankshares' market value can be influenced by many factors that don't directly affect Union Bankshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Union Bankshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Union Bankshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Union Bankshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.