Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UNB
HOLDUnion Bankshares, Inc. · Financial Services · United States · $114M · Avg Vol: $498K/d
COMPANY DESCRIPTION
Union Bankshares, Inc. operates as a community bank holding company, offering a variety of financial products and services, including checking, savings, loans, and investment services, primarily in rural areas. The company prides itself on local decision-making and strong customer relationships, serving the banking needs of individuals and small businesses within its geographic footprint. Its community-centric approach and tailored services provide a stable competitive position in its market.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 47.9M | 46.8M | 46.8M | 53.2M | 3.6% | 57.0M |
| EPS | 2.81 | 2.50 | 1.94 | 2.43 | -4.7% | 2.60 |
| Shares | 4.5M | 4.5M | 4.5M | 4.6M | +2.3% | 4.6M |
| Debt | 66.2M | 81.9M | 276.0M | 302.8M | 66.0% | 353.4M |
| Equity | 55.2M | 65.8M | 66.5M | 80.9M | 13.6% | — |
| Op CF | 29.0M | 9.2M | 12.2M | 17.2M | -16.0% | 15.8M |
| Inv CF | -207.6M | -82.3M | -124.8M | -88.3M | — | — |
| Fin CF | 150.5M | 112.8M | 50.8M | 67.6M | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UNB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UNB | Union Bankshares, Inc.(you) | $114M | 62 | HOLD |
| LSBK | Lake Shore Bancorp, Inc. | $135M | 61 | HOLD |
| FUSB | First US Bancshares, Inc. | $92M | 64 | HOLD |
| UBCP | United Bancorp, Inc. | $94M | 65 | HOLD |
| MGYR | Magyar Bancorp, Inc. | $118M | 70 | BUY |
| RBKB | Rhinebeck Bancorp, Inc. | $194M | 62 | HOLD |
| HNVR | Hanover Bancorp, Inc. | $179M | 65 | BUY |
| FDSB | Fifth District Bancorp, Inc. | $91M | 71 | BUY |
| EFSI | Eagle Financial Services, Inc. | $219M | 63 | HOLD |
| BKSC | Bank of South Carolina Corporation | $95M | 72 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%