Union Bankshares Valuation Analysis

Stocks . USA . 
Stock . Union Bankshares
UNB Stock  USD 24.55  -0.43  -1.72%   
Union Bankshares trades at a discounted earnings multiple — a reading that maps directly to strong margins and conservative leverage. Union Bankshares' price-to-sales ratio is 2.11 at current levels. That implies a trailing P/E of roughly 8.72.
Below Model Estimate
Today
24.55
The intrinsic value estimate for Union Bankshares is based on a 3 months horizon. Extending the time horizon generally improves valuation stability.
22.10
Downside
52.24
Intrinsic Value
54.37
Upside
Current intrinsic value estimate framed by downside and upside probability thresholds.
Target Odds
The valuation of Union Bankshares is tested here against earnings multiples, cash-flow models, and asset-based benchmarks. Cross-checking more than one valuation method usually gives a more reliable estimate than relying on a single framework. Valuation models range from simple P/E comparisons to multi-stage DCF models for Union Bankshares.

Main Profitability Drivers

Union Bankshares' net margin stands at 23.00%, with operating margin at 13.00%. Non-operating gains or tax benefits lift Union Bankshares' net margin 10.00 percentage points above its operating margin. Revenue of $87.3 million translated into $53.68 million of gross profit for Union Bankshares, with net income reaching $11.08 million. With ROE at 11.00% and ROA at 1.35%, these return measures help contextualize Union Bankshares' profitability relative to its balance sheet. Union Bankshares' profitability picture is mixed, with some metrics improving while others show pressure. View Union Bankshares' full profitability analysis for additional context.
 Price Book
1.38
 Gross Profit
53.68 million
 Price Sales
2.11
 Profit Margin
23.0%
 Enterprise Value Revenue
7.78

Union Bankshares Cash

$4.43 million
Cash stood at $4.66 million as of December 31, 2025.

Valuation Framework, Methodology & Assumptions

Union Bankshares is a micro-cap equity in Regional Banks, Banks - Regional, Financial Services categories. Sector-relative metrics refine price assessment. Valuation context for Union Bankshares is currently framed by P/E of 8.72, P/B of 1.38.

Union Bankshares inputs come from periodic company reporting and market reference feeds and are mapped into a consistent reporting framework. Valuation outputs are model-derived and depend on published assumptions and reference inputs.

The analysis above is generated by quantitative models and is provided for informational and educational purposes only. It does not constitute financial advice, investment recommendations, or an endorsement to buy or sell any security. All investing involves risk, including the possible loss of principal. Consult a qualified financial advisor before making investment decisions. See our Terms of Use for full details.

Financial data referenced in this analysis is derived from publicly available SEC filings, audited financial statements, and third-party market data providers. The intrinsic value estimate is generated by Macroaxis quantitative models that incorporate fundamental analysis, technical indicators, and risk metrics.

The methodology combines multiple analytical inputs:

  • Fundamental analysis - financial statements, profitability ratios, debt structure, and cash flow metrics sourced from SEC filings and public financial reports
  • Technical indicators - historical price patterns, momentum signals, and volatility measures
  • Risk assessment - probability of bankruptcy models, market risk metrics, and downside scenario analysis
  • Peer comparison - relative valuation against industry peers using standardized multiples

Model outputs are refreshed periodically as new financial data becomes available. Past model performance is not indicative of future results. The intrinsic value estimate reflects a point-in-time calculation and should be considered alongside other research and professional advice.

Data sourced from SEC filings (EDGAR), public financial statements, and market data providers.

Editorial review and methodology oversight provided by: Michael Smolkin, Member of Macroaxis Board of Directors

Growth Indicators

Growth analysis for Union Bankshares matters because the current setup looks more like an earnings-recovery story than a premium-multiple growth case. That usually means separating cyclical rebound from durable compounding and checking whether better growth is being matched by healthier margins and cash generation.
Common Stock Shares Outstanding4.57 million
Quarterly Earnings Growth Y O Y-10.10%
Forward Price Earnings11.7233

Union Bankshares Current Valuation Indicators

Valuation of Union Bankshares is strongest when several lenses are used together: market cap, enterprise value. revenue, and cash-flow durability. Quantitative valuation narrows the range of reasonable outcomes by cross-referencing multiple model-based signals. Reported values are derived from company filings, audited financial statements, and market data, and are standardized within Macroaxis quantitative models for consistency. Model outputs reflect a point-in-time estimate based on available data and assumptions and should be interpreted alongside changes in operating performance, market conditions, and forward expectations.
Book Value Per Share
Net Current Asset Value
Tangible Asset Value
Tangible Book Value Per Share

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