Union Bankshares, Inc.
UNBFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 8, 2026
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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. Valued at $117.6M, UNB is a micro-cap name in its sector. 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
$117.6M
Beta
0.28
P/E (TTM)
9.18
P/E (Fwd)
—
EPS (TTM)
$2.59
EPS (Fwd)
—
ROE
15.0%
ROA
0.8%
Cash
$38.9M
Total Debt
$353.4M
Free CF
—
52W Change
-8.5%
Annual Financials
Cash vs Debt
Where UNB stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, UNB finished 0.38% above its 150-day moving average ($23.68) and 1.62% above its 200-day moving average ($23.39). 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 September 3, 2026 close, UNB's RSI(14) was 31.9, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $38.9M in cash, though total debt stands at $353.4M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 15.0%, which is decent 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.
The relatively low beta of 0.28 suggests UNB is a less volatile holding compared to the broader index. Union Bankshares, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. No single metric tells the full story. Reviewing UNB's risk profile alongside its fundamentals and technical indicators provides a more complete picture.