Union Bankshares, Inc. (UNB) Stock Score, Valuation & Financial Research
Union Bankshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 48/100.
Quick answer for UNB
Union Bankshares, Inc. currently has a Wall Street Score of 48/100. The stored market price is $23.75. Its financial score is 19/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What Union Bankshares, Inc. does
Union Bankshares, Inc., established in 1891 and based in Morrisville, Vermont, serves as the holding company for Union Bank. This institution provides a comprehensive suite of retail, commercial, and municipal banking services across northern Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking ac
UNB financial snapshot
- Wall Street Score:
- 48/100
- Current price:
- $23.75
- Market capitalization:
- $109.6M
- Revenue:
- $90.4M
- Net income:
- $12.1M
- Free cash flow:
- $16.0M
- Cash:
- $6.5M
- Total debt:
- $353.4M
- EPS:
- 2.43
- P/E ratio:
- 9.8x
- Financial score:
- 19/100
- Valuation score:
- 100/100
- Revenue score:
- 39/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $16.0M, showing positive cash generation.
- The balance sheet shows $6.5M of cash versus $353.4M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 19/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research UNB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.