Stocktoria
UNION BANKSHARES INC UNB
UNION BANKSHARES INC (UNB) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 5.38% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UNB | UNION BANKSHARES INC | 4/9 | — | 11 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About UNION BANKSHARES INC
Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It 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; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay 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 and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. The company was founded in 1891 and is headquartered in Morrisville, Vermont.
FAQ
Is UNB financially healthy?
UNION BANKSHARES INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does UNB pay a dividend, and is it safe?
Yes. UNION BANKSHARES INC pays a dividend yielding about 5.38% with a 59.2% payout ratio, rated “moderate” for safety.
How profitable is UNB?
In FY2025, UNION BANKSHARES INC had a return on equity of 13.7%.
Is UNB overvalued or undervalued?
UNION BANKSHARES INC trades at about 10.1× trailing earnings — near its 10-year norm (10-year range 9.4×–16.6×, median 10.7×). Stocktoria reports the data, not buy/sell advice.
Is UNB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UNION BANKSHARES INC: a Piotroski F-score of 4/9, a P/E of about 11.0×, a dividend yield of 5.38%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.