Union Bankshares, Inc.
UNBFinancial ServicesNASDAQBanks - Regional
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Daily timeframeUnion Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. At a $113.9M market cap, Union Bankshares, Inc. ranks as a micro-cap company within financial services. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit.
Market Cap
$113.9M
Beta
0.27
P/E (TTM)
8.79
P/E (Fwd)
—
EPS (TTM)
$2.62
EPS (Fwd)
—
ROE
15.9%
ROA
0.8%
Cash
$30.3M
Total Debt
$287.4M
Free CF
—
52W Change
-4.0%
Annual Financials
Cash vs Debt
Where UNB stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, UNB finished 3.55% below its 150-day moving average ($23.64) and 3.35% below its 200-day moving average ($23.59). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is UNB overbought or oversold?
At the October 20, 2026 close, UNB's RSI(14) was 39.9, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $30.3M in cash, though total debt stands at $287.4M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 15.9%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.8% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $47.9M to $53.2M.
With a beta below 0.7, Union Bankshares, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. Union Bankshares, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Union Bankshares, Inc. and its sector.