Stocktoria

UNION BANKSHARES INC UNB

Nasdaq · stock · State Commercial Banks · website · IPO 2000-07-13

UNION BANKSHARES INC statistics & valuation

Market cap$121.9M
P / E11.0×
P / B1.5×
P / FCF7.6×
Dividend yield5.38%
Return on equity13.7%
Graham number +27.5%$30.90

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($30.90); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
15.10% 14.40% 11.00% 14.80% 15.80% 15.60% 22.80% 17.10% 13.20% 13.70% 2016201720182019202020212022202320242025
Shares outstanding
4.5M 4.5M 4.5M 4.5M 4.5M 4.5M 4.5M 4.5M 4.6M 4.6M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.20% 1.10% 0.90% 1.20% 1.20% 1.10% 0.90% 0.80% 0.60% 0.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$2.38 $2.85 $2.92 $2.79 $2.48 $1.92 $2.41 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

UNION BANKSHARES INC trades at about 10.1× earnings — near its 10-year norm (10-year range 9.4×–16.6×, median 10.7×).

9.4× 16.6×

Shaded band = 10-year range (9.4×–16.6×); dot = today's 10.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.7%0.6%0.8%0.9%1.1%1.2%1.2%0.9%1.1%1.2%
Return on equity13.7%13.2%17.1%22.8%15.6%15.8%14.8%11.0%14.4%15.1%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.