What is Union Bankshares, Inc. (UNB) stock price today?

Union Bankshares, Inc. (UNB) is currently trading at $22.90, down 0.43% today.

What is UNB P/E ratio?

Union Bankshares, Inc.'s P/E ratio is 8.82. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is UNB return on equity (ROE)?

Union Bankshares, Inc.'s return on equity (ROE) is 14.72%, indicating how efficiently the company generates profit from shareholders' equity. This is above the market average.

What is Union Bankshares, Inc.'s market cap?

Union Bankshares, Inc. has a market capitalization of $105.66M.

NASDAQ · Banks - Regional

Union Bankshares, Inc. (UNB) Stock

$22.90 -0.43% NASDAQ: UNB Financial Services

Valuation

Metric	Value
Price	$22.90
Market Cap	$105.66M
P/E Ratio	8.82
P/B Ratio	1.22
P/S Ratio	1.18
EPS (TTM)	$2.43
52-Week High	$26.41
52-Week Low	$20.65
Dividend Yield	6.25%

Financials & Margins

Metric	Value
ROE	14.72%
ROA	0.78%
ROCE	0.87%
Gross Margin	13.79%
Operating Margin	13.79%
Net Margin	13.42%
Debt/Equity	4.06
Current Ratio	0.05

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$52.0M	$53.0M	$67.0M	$78.0M	$87.0M
Operating Profit	$16.0M	$15.0M	$13.0M	$9.0M	$12.0M
Net Profit	$13.0M	$13.0M	$11.0M	$9.0M	$11.0M
EPS	$2.92	$2.79	$2.48	$1.92	$2.43
Op Margin	30.3%	28.7%	19.1%	11.7%	13.8%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$1.2B	$1.3B	$1.5B	$1.5B	$1.6B
Total Liabilities	$1.1B	$1.3B	$1.4B	$1.5B	$1.5B
Cash	$18.0M	$21.0M	$19.0M	$15.0M	$5.0M
Borrowings	$16.0M	$66.0M	$82.0M	$276.0M	$303.0M

Latest News

Union Bankshares Names Carrie Locklin Chief Financial Officer MT Newswires · Jul 17, 2026 Union Bankshares: Q2 Earnings Snapshot Associated Press · Jul 15, 2026 Union Bankshares Announces Earnings for the three and six months ended June 30, 2026 and Declares Quarterly Dividend GlobeNewswire · Jul 15, 2026 Exploring 3 Undervalued Small Caps With Insider Buying Across Regions Simply Wall St. · Jun 12, 2026 Spotlight On Undervalued Small Caps With Insider Activity In June 2026 Simply Wall St. · Jun 10, 2026

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$29.0M	$29.0M	$9.0M	$12.0M	$17.0M
Investing Cash Flow	$-194.0M	$-208.0M	$-84.0M	$-126.0M	$-90.0M
Financing Cash Flow	$101.0M	$107.0M	$104.0M	$-137.0M	$46.0M
Net Cash Flow	$-57.0M	$-28.0M	$40.0M	$-62.0M	$-4.0M
Free Cash Flow	$26.0M	$28.0M	$7.0M	$11.0M	$16.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.32
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	-5.57%
Return 3Y	31.48%
Return 5Y	-9.99%

Ownership

Insiders Held27.84%

Institutions Held20.25%

Institutions Float Held28.06%

Institutional Holder	Shares	Report Date
Blackrock Inc.	200,031	2026-03-31
Vanguard Capital Management LLC	149,474	2026-03-31
Cardinal Capital Management	104,509	2026-06-30
Geode Capital Management, LLC	88,480	2026-03-31
Northern Trust Corporation	47,643	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AFBI	$22.98	+0.13%	17.43	$140.06M	0.00%
FGBIFirst Guaranty Bancshares, Inc.	$8.29	-2.24%	-3.22	$137.11M	0.48%
LSBKLake Shore Bancorp, Inc.	$18.25	+1.16%	16.13	$143.51M	1.99%
MGYRMagyar Bancorp, Inc.	$19.43	+1.83%	10.17	$125.57M	2.07%
PNBKPatriot National Bancorp Inc.	$0.88	+1.98%	-12.39	$103.60M	0.00%

About Union Bankshares, Inc.

Union Bankshares, Inc. is led by CEO David Scott Silverman, employs 191 people, headquartered in US, publicly traded since 1999.

Union Bankshares, Inc. (UNB) stock trades at $22.90 with a market capitalization of $105.66M. The stock is valued at a price-to-earnings (P/E) ratio of 8.82, price-to-book of 1.22, price-to-sales of 1.18. Over the past 52 weeks the stock has ranged between $20.65 and $26.41, and currently trades 13.3% below its 52-week high. It pays a dividend yielding 6.25%.

On profitability, Union Bankshares, Inc. generates a return on equity (ROE) of 14.72%, above the typical market average, return on capital employed of 0.87%, an operating margin of 13.79%, a net profit margin of 13.42%.

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