Union Bankshares

NMQ:UNB · US9054001071

BanksX-Small

360

Medium confidence — indicative

Value48

Profit price86

Cash yield1

Sales & asset price44

Price/Sales97

EV / Gross Profit14

Price/Book22

Quality78

Returns on capital41

Profit margins—

Cash backing46

Cash Conversion52

Accruals34

Owner Earnings Margin53

Growth64

Sales growth31

Profit growth62

Profit Growth49

Owner Earnings Growth74

Reinvestment18

Price momentum4

Safety33

Debt load1

Debt serviceability83

Liquidity32

Sentiment54

Analyst ratings—

Expectations trend—

Market mood1

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Union Bankshares clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePublic Company

ExchangeNASDAQGM

Founded1982

Employees111

Websiteunb.q4ir.com/overview/default.aspx

ISINUS9054001071

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Union Bankshares, Inc. operates as a bank holding company for Union Bank (‘Union’) that provides full retail, commercial, municipal banking, and wealth management and trust services in northern Vermont and northern New Hampshire. The company’s busin…

Analysis

Quality compounder

Union Bankshares, Inc. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 9.0× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is solid and the balance sheet is stretched. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

20232026

All-time high

Jan 2023

All-time low

Mar 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →