UNB

Union Bankshares, Inc.

Financial Services · $106M market cap

Verdict

Share price

$23.03

close of Oct 3, 2026

Fair value

$63.82

Sticker Price

Payback Price

$25.53

buy price

On Sale

UNB is On Sale: at $23.03 it trades 10% below its buy price (Payback Price) of $25.53 and 64% below its fair value of $63.82. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth4.8% a year✗
Equity per share growth4.1% a year✗
Sales growth5.4% a year✗
Free cash flow growth5.0% a year✗
Return on invested capital3.4%✗

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Insider activity

Since Jul 27, 2026: 3 open-market purchases worth $33K. Why purchases matter

Purchases

About Union Bankshares, Inc.

Union Bankshares, Inc., established in 1891 and based in Morrisville, Vermont, serves as the holding company for Union Bank. This institution provides a comprehensive suite of retail, commercial, and municipal banking services across northern Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works

UNB stock (Union Bankshares, Inc.): fair value $63.82, On Sale — PaybackPrice