US · UNB
Union Bankshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Morrisville, VT 05661-0667
- Website
- ublocal.com
Price · as of 2024-12-31
$25.03
Market cap 106.54M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $28.44 | +13.62% |
| Intrinsic Value(DCF) | $19.20 | -23.29% |
| Graham-Dodd Method(GD) | $3.01 | -87.97% |
| Graham Formula(GF) | $45.02 | +79.87% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $10.01 | $1,453.03 | $8.97 | $0.63 | $0.00 |
| 2011 | $10.55 | $119.45 | $4.86 | $0.00 | $13.33 |
| 2012 | $11.64 | $170.73 | $10.84 | $2.29 | $40.51 |
| 2013 | $14.35 | $55.28 | $12.20 | $3.53 | $1.07 |
| 2014 | $16.05 | $262.25 | $12.27 | $4.08 | $17.04 |
| 2015 | $19.00 | $63.60 | $12.89 | $4.16 | $22.18 |
| 2016 | $27.75 | $137.77 | $13.52 | $5.02 | $25.76 |
| 2017 | $37.67 | $44.16 | $14.38 | $4.84 | $25.18 |
| 2018 | $32.45 | $37.06 | $15.13 | $3.96 | $25.60 |
| 2019 | $21.30 | $93.12 | $17.46 | $9.03 | $44.90 |
| 2020 | $23.91 | $405.29 | $22.94 | $12.81 | $61.04 |
| 2021 | $25.10 | $1,381.91 | $27.97 | $13.84 | $21.07 |
| 2022 | $20.02 | $26.63 | $43.90 | $5.51 | $27.11 |
| 2023 | $27.34 | $122.94 | $56.39 | $5.74 | $84.41 |
| 2024 | $27.94 | $28.44 | $13.90 | $3.01 | $45.02 |
AI valuation
Our deep-learning model estimates Union Bankshares, Inc.'s (UNB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $28.44
- Current price
- $25.03
- AI upside
- +13.62%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$19.20
-23.29% upside
Graham-Dodd
$3.01
-87.97% upside
Graham Formula
$45.02
+79.87% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UNB | Union Bankshares, Inc. | $25.03 | 106.54M | +14% | -23% | -88% | +80% | 14.43 | 1.90 | 1.62 | 19.90 | — | 1.95 | 60.84% | 11.71% | 11.24% | 13.25% | 98.59% | 0.58% | 4.15 | 0.31 | 0.16 | 0.16 | 24.37 | -2258.00% | 1586.00% | 5293.00% | 8.77% | 0.01 | 124.68% | 5.10% | 73.60% | 5.10% | 23.38 | 19.26 | 2.74 | -0.56 |
| AFBI | Affinity Bancshares, Inc. | $19.90 | 122.74M | +217% | -4% | +22% | -22% | 21.58 | 0.91 | 2.35 | 17.67 | — | 1.06 | 61.50% | 13.97% | 10.88% | 4.34% | 5.16% | 0.64% | 0.47 | 0.37 | 0.06 | 0.06 | 2.25 | -1531.00% | 1068.00% | -1328.00% | 5.42% | 0.01 | 6.04% | 0.00% | 0.00% | 0.00% | 19.54 | 21.42 | 2.73 | -0.57 |
| FGBI | First Guaranty Bancshares… | $8.81 | 139.14M | +779% | -54% | — | +400% | -2.15 | 0.53 | 0.62 | -4.17 | — | 0.54 | -6.18% | -34.99% | -28.59% | -23.28% | -3719.92% | -1.39% | 0.82 | -0.54 | 0.01 | 0.01 | -2.41 | -61481.00% | -1995.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -4.17 | — | 1.46 | -0.45 |
| LSBK | Lake Shore Bancorp, Inc. | $15.48 | 121.14M | +713% | -17% | -17% | -47% | 17.74 | 0.97 | 2.30 | 1.23 | 270.53 | 0.98 | 67.82% | 15.39% | 12.94% | 5.60% | 55.27% | 0.70% | 0.11 | 0.43 | 0.16 | 0.16 | -3.46 | 656.00% | 472.00% | -5686.00% | 2.87% | 0.00 | 28.11% | 1.24% | 21.90% | 6.29% | 1.38 | 3.23 | 0.21 | -0.50 |
| MGYR | Magyar Bancorp, Inc. | $17.52 | 113.49M | +149% | +23% | +28% | +75% | 10.76 | 0.88 | 1.80 | 8.89 | 40.12 | 0.89 | 60.27% | 23.64% | 16.71% | 8.51% | 8.04% | 1.00% | 0.41 | 0.61 | 0.03 | 0.04 | 2.85 | 2683.00% | 1208.00% | 7826.00% | 9.34% | 0.01 | 8.08% | 1.74% | 18.70% | 2.54% | 9.50 | 13.36 | 2.24 | -0.68 |
| PNBK | Patriot National Bancorp,… | $1.25 | 134.66M | +11,398% | -54% | — | — | -0.39 | 3.65 | 0.26 | 8.05 | -0.05 | 3.78 | 26.12% | -26.58% | -65.86% | -163.96% | -76.19% | -3.79% | 7.75 | -0.50 | 0.18 | 0.18 | 7.77 | 85524.00% | -641.00% | -12362.00% | 16.90% | 0.00 | 12.44% | 0.00% | 0.00% | 1691.96% | 7.38 | -45.18 | -1.96 | -1.04 |
| PROV | Provident Financial Holdi… | $16.00 | 102M | +124% | +4% | -4% | -38% | 16.35 | 0.80 | 1.70 | 21.21 | — | 0.80 | 65.94% | 14.75% | 10.40% | 4.84% | 2.07% | 0.50% | 1.66 | 0.42 | 0.06 | 0.06 | 12.94 | -1226.00% | 253.00% | 9910.00% | 7.97% | 0.01 | 2.70% | 3.68% | 60.20% | 34.57% | 29.55 | 32.15 | 4.36 | -0.44 |
| RVSB | Riverview Bancorp, Inc. | $5.35 | 110.8M | +484% | +34% | +5% | -26% | 23.69 | 0.73 | 1.59 | 18.64 | 85.28 | 0.87 | 68.97% | 8.52% | 6.70% | 3.11% | 2.99% | 0.32% | 0.66 | 0.28 | 0.04 | 0.04 | 7.96 | 2778.00% | 961.00% | -2219.00% | 4.78% | 0.01 | 3.38% | 2.18% | 51.70% | 19.11% | 28.58 | 32.08 | 2.43 | -0.71 |
| SBFG | SB Financial Group, Inc. | $20.76 | 130.76M | +977% | +29% | +39% | +105% | 9.44 | 0.93 | 1.45 | 7.34 | 34.54 | 1.33 | 70.91% | 23.86% | 15.35% | 10.40% | 27.15% | 0.96% | 0.53 | 0.85 | — | — | 0.16 | 2733.00% | 1187.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 26.57% | 5.83 | — | 1.39 | 0.34 |
| SFBC | Sound Financial Bancorp, … | $42.47 | 108.98M | +356% | +7% | -10% | -17% | 26.80 | 1.20 | 2.00 | 15.73 | — | 1.26 | 57.51% | 9.10% | 7.48% | 4.54% | 4.83% | 0.47% | 0.39 | 0.21 | 0.07 | 0.07 | -0.40 | -3706.00% | 1161.00% | -5567.00% | 2.30% | 0.00 | 2.97% | 1.57% | 42.00% | 9.61% | 20.13 | 39.80 | 1.83 | -0.67 |
| SRBK | SR Bancorp, Inc. Common s… | $16.55 | 126.94M | +3,410% | +204% | +38% | +37% | 24.46 | 0.65 | 2.51 | 11.91 | — | 0.75 | 66.30% | 12.24% | 10.26% | 2.61% | 3.16% | 0.49% | 0.17 | 0.37 | 0.07 | 0.07 | -2.90 | -13836.00% | 3042.00% | -24896.00% | 3.37% | 0.01 | 2.60% | 0.35% | 8.60% | 9.37% | 16.46 | 23.83 | 2.01 | -0.56 |
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 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; home improvement loans and overdraft; and residential construction and mortgage loans. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, 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 services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. It operates 18 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.
- CEO
- David Scott Silverman
- Employees
- 191
- Beta
- 0.40
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($19.20 ÷ $25.03) − 1 = -23.29% (DCF, example).