Union Bankshares, Inc.

Union Bankshares, Inc.

UNBยทNASDAQ

$23.19

+1.3%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$107.00M
EPS2.4300
P/E Ratio9.54
Earnings Date07/22/2026
Union Bankshares, Inc.

Union Bankshares, Inc. Fair Value Envelope

UNB ยท NASDAQ

Our analysis suggests that UNB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $23.19, this represents a potential HIDDEN relative to our calculated worth for Union Bankshares, Inc..

Intrinsic Value
Current Price: $23.19

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$6.3B
+ Cash & Equivalents$4.7M
Firm Value$6.3B
- Debt$302.8M
Equity Value$6.0B
/ Shares Outstanding4,533,666B
DCF Value$1.3K
UNDERVALUED BY 5633%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$24.8M
$35.8M
$51.6M
$74.4M
$107.2M
$154.6M
$222.8M
$321.2M
$463.0M
$667.4M
Maintenance CapEx
-$361.2K
-$520.7K
-$750.7K
-$1.1M
-$1.6M
-$2.2M
-$3.2M
-$4.7M
-$6.7M
-$9.7M
Owner Earnings
$24.5M
$35.3M
$50.8M
$73.3M
$105.7M
$152.3M
$219.5M
$316.5M
$456.2M
$657.6M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$22.7M
$30.2M
$40.4M
$53.9M
$71.9M
$96.0M
$128.1M
$171.0M
$228.2M
$304.6M
Terminal Value represents 81.9% of Enterprise Value