📊 UNB Key Takeaways
Is Union Bankshares Inc. (UNB) a Good Investment?
Union Bankshares demonstrates strong fundamental momentum with 76.2% revenue growth and 25.5% EPS growth, coupled with a healthy 14.6% net profit margin and exceptional free cash flow generation (21.1% FCF margin). The conservative balance sheet with zero long-term debt and solid ROE of 13.7% indicates financial stability, though the low ROA (0.7%) and limited cash reserves relative to asset base reflect typical banking sector characteristics and warrant monitoring.
Why Buy Union Bankshares Inc. Stock? UNB Key Strengths
- Exceptional 76.2% YoY revenue growth indicating strong business expansion
- Robust 25.5% EPS growth demonstrating operational leverage
- Zero long-term debt (0.00x Debt/Equity ratio) provides substantial financial flexibility
- Strong free cash flow generation at $16.0M with 21.1% FCF margin
- Healthy 14.6% net profit margin and 13.7% ROE for regional bank profitability
- Operating cash flow of $17.2M covers capital needs with surplus
UNB Stock Risks: Union Bankshares Inc. Investment Risks
- Low ROA at 0.7% reflects capital-intensive banking model with limited asset efficiency
- High leverage embedded in structure: $1.5B liabilities vs. $80.9M equity (18.5x ratio typical for banks but concentration risk exists)
- Cash position of $12.3M is relatively constrained relative to $1.6B asset base, limiting flexibility
- Regional bank exposed to geographic and economic concentration risk
- Banking sector inherently sensitive to interest rate movements and regulatory changes
- Limited liquidity metrics (no current/quick ratios) prevent full short-term solvency assessment
Key Metrics to Watch
- Net profit margin trend - maintain above 12% to confirm profitability sustainability
- Revenue growth sustainability - monitor if 76% growth is repeatable or normalization occurs
- ROE trajectory - target maintaining >12% as minimum acceptable return on equity
- Free cash flow generation - ensure FCF remains positive and above $15M annually
- Asset quality and non-performing loan ratio - critical for banking fundamentals
- Capital adequacy ratios - regulatory requirement for bank stability assessment
Union Bankshares Inc. (UNB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 21.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
UNB Profit Margin, ROE & Profitability Analysis
UNB vs Finance Sector: How Union Bankshares Inc. Compares
How Union Bankshares Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Union Bankshares Inc. Stock Overvalued? UNB Valuation Analysis 2026
Based on fundamental analysis, Union Bankshares Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Union Bankshares Inc. Balance Sheet: UNB Debt, Cash & Liquidity
UNB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Union Bankshares Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.53 reflects profitable operations.
UNB Revenue Growth, EPS Growth & YoY Performance
Union Bankshares Inc. Dividends, Buybacks & Capital Allocation
UNB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Union Bankshares Inc. (CIK: 0000706863)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UNB
What is the AI rating for UNB?
Union Bankshares Inc. (UNB) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UNB's key strengths?
Claude: Exceptional 76.2% YoY revenue growth indicating strong business expansion. Robust 25.5% EPS growth demonstrating operational leverage.
What are the risks of investing in UNB?
Claude: Low ROA at 0.7% reflects capital-intensive banking model with limited asset efficiency. High leverage embedded in structure: $1.5B liabilities vs. $80.9M equity (18.5x ratio typical for banks but concentration risk exists).
What is UNB's revenue and growth?
Union Bankshares Inc. reported revenue of $75.8M.
Does UNB pay dividends?
Union Bankshares Inc. pays dividends, with $6.6M distributed to shareholders in the trailing twelve months.
Where can I find UNB SEC filings?
Official SEC filings for Union Bankshares Inc. (CIK: 0000706863) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UNB's EPS?
Union Bankshares Inc. has a diluted EPS of $2.41.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UNB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Union Bankshares Inc. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is UNB stock overvalued or undervalued?
Valuation metrics for UNB: ROE of 13.7% (sector avg: 12%), net margin of 14.6% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy UNB stock in 2026?
Our dual AI analysis gives Union Bankshares Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UNB's free cash flow?
Union Bankshares Inc.'s operating cash flow is $17.2M, with capital expenditures of $1.3M. FCF margin is 21.1%.
How does UNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 14.6% (avg: 25%), ROE 13.7% (avg: 12%), current ratio N/A (avg: 1.2).