How to buy Union Bankshares stock (UNB)

Union Bankshares is a banks - regional business based in the US. Union Bankshares shares (UNB) are listed on the NASDAQ and all prices are listed in US Dollars. Its last market close was $32.21 – a decrease of 9.52% over the previous week. Union Bankshares employs 197 staff and has a trailing 12-month revenue of around $46.4 million.

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Union Bankshares stock price (NASDAQ: UNB)

Use our graph to track the performance of UNB stocks over time.

Union Bankshares shares at a glance

• Key figures

Information last updated 2024-12-18.

Latest market close	$32.21
52-week range	$20.44 - $37.70
50-day moving average more info button	$30.76
200-day moving average more info button	$26.88
Wall St. target price	N/A
PE ratio more info button	16.6031
Dividend yield more info button	$1.44 (4.39%)
Earnings per share (TTM) more info button	$1.94

Is it a good time to buy Union Bankshares stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Union Bankshares price performance over time

Historical closes compared with the close of $34.03 from 2024-12-17

1 week (2024-12-13)	0.24%
1 month (2024-11-20)	8.62%
3 months (2024-09-20)	23.97%
6 months (2024-06-20)	57.55%

1 year (2023-12-20)	11.76%
2 years (2022-12-20)	64.11%
3 years (2021-12-20)	28.72%
5 years (2019-12-20)	21.39%

Is Union Bankshares stock undervalued or overvalued?

Valuing Union Bankshares stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Union Bankshares's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Union Bankshares's P/E ratio

Union Bankshares's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 17x. In other words, Union Bankshares shares trade at around 17x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Union Bankshares financials

Revenue TTM	$46.4 million
Operating margin TTM	11.32%
Gross profit TTM	$48.4 million
Return on assets TTM	0.6%
Return on equity TTM	14.5%
Profit margin	18.99%
Book value	$15.84
Market Capitalization more info button	$145.7 million

TTM: trailing 12 months

Union Bankshares share dividends

Dividend payout ratio: 73.97% of net profits

Recently Union Bankshares has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Union Bankshares shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Union Bankshares's case, that would currently equate to about $1.44 per share.

Union Bankshares's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Union Bankshares's most recent dividend payout was on 6 November 2024. The latest dividend was paid out to all shareholders who bought their shares by 24 October 2024 (the "ex-dividend date").

Have Union Bankshares's shares ever split?

Union Bankshares's shares were split on a 3:2 basis on 10 August 2003 . So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your Union Bankshares shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for Union Bankshares shares which in turn could have impacted Union Bankshares's share price.

Union Bankshares share price volatility

Over the last 12 months, Union Bankshares's shares have ranged in value from as little as $20.4417 up to $37.7. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Union Bankshares's is 0.726. This would suggest that Union Bankshares's shares are less volatile than average (for this exchange).

Union Bankshares overview

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company 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, it 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.

Frequently asked questions

What percentage of Union Bankshares is owned by insiders or institutions?
Currently 19.951% of Union Bankshares shares are held by insiders and 16.593% by institutions. How many people work for Union Bankshares?
Latest data suggests 197 work at Union Bankshares. When does the fiscal year end for Union Bankshares?
Union Bankshares's fiscal year ends in December. Where is Union Bankshares based?
Union Bankshares's address is: 20 Lower Main Street, Morrisville, VT, United States, 05661-0667 What is Union Bankshares's ISIN number?
Union Bankshares's international securities identification number is: US9054001071 What is Union Bankshares's CUSIP number?
Union Bankshares's Committee on Uniform Securities Identification Procedures number is: 905400107