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Upturn AI SWOT - About
UNB 
Union Bankshares Inc (UNB)
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Upturn Advisory Summary
10/15/2025: UNB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -9.64% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 119.50M USD | Price to earnings Ratio 13.57 | 1Y Target Price - |
Price to earnings Ratio 13.57 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.57 | 52 Weeks Range 20.01 - 36.90 | Updated Date 06/29/2025 |
52 Weeks Range 20.01 - 36.90 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 5.47% | Basic EPS (TTM) 1.94 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.49% | Operating Margin (TTM) 21.25% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 13.21% |
Valuation
Trailing PE 13.57 | Forward PE - | Enterprise Value 354807328 | Price to Sales(TTM) 2.5 |
Enterprise Value 354807328 | Price to Sales(TTM) 2.5 | ||
Enterprise Value to Revenue 7.85 | Enterprise Value to EBITDA - | Shares Outstanding 4538600 | Shares Floating 3754058 |
Shares Outstanding 4538600 | Shares Floating 3754058 | ||
Percent Insiders 20.26 | Percent Institutions 20.37 |
Upturn AI SWOT
Union Bankshares Inc
Company Overview
History and Background
Union Bankshares Corporation was a bank holding company headquartered in Richmond, Virginia. It was founded in 1993 and has grown through acquisitions and organic growth to become one of the largest community banks in the Mid-Atlantic region. It was acquired by Atlantic Union Bankshares Corporation in 2021.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals, small businesses, and commercial clients, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers investment advisory, trust, and estate planning services.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
Prior to its acquisition, Union Bankshares Corporation was led by its Board of Directors and executive management team. The organizational structure included various departments overseeing different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including working capital, equipment financing, and real estate development. Market share data is unavailable. Competitors include Truist, Bank of America, Wells Fargo.
- Residential Mortgages: Loans provided to individuals for purchasing or refinancing homes. Market share data is unavailable. Competitors include Wells Fargo, Bank of America, Rocket Mortgage.
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. Market share data is unavailable. Competitors include Truist, Bank of America, Capital One.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Community banks face competition from larger national banks and fintech companies.
Positioning
Union Bankshares Corporation positioned itself as a community-focused bank with a strong local presence and customer relationships. Its competitive advantage was its ability to provide personalized service and quick decision-making.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is substantial. Union Bankshares Corporation was positioned to capture a portion of this TAM through its community banking model.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Full range of banking services
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Dependence on local economy
- Increased Competition from Larger banks.
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Increased demand for digital banking services
- Growth in local economy
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BBT
- BAC
- WFC
- ALLY
Competitive Landscape
Union Bankshares Corporation faced competition from larger national banks with greater resources and brand recognition, as well as smaller community banks with strong local relationships.
Growth Trajectory and Initiatives
Historical Growth: Union Bankshares Corporation grew through acquisitions and organic growth.
Future Projections: Future projections are not applicable due to the acquisition by Atlantic Union Bankshares Corporation.
Recent Initiatives: Recent initiatives included expanding digital banking services and increasing commercial lending activity.
Summary
Union Bankshares Corporation was a community-focused bank that faced the challenge of being a smaller player compared to the major national banks. Its strength was the focus on customer relationships in a specific region. Increasing its market share to compete with the bigger players was always going to be a challenge. The acquisition reflects a strategic move to join a larger entity.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Historical financial statements of Union Bankshares Corporation
- Industry reports
- Company press releases
Disclaimers:
This analysis is based on publicly available information and historical data prior to Union Bankshares Corporation's acquisition. Market share data is estimated. Future performance is not guaranteed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Union Bankshares Inc
Exchange NASDAQ | Headquaters Morrisville, VT, United States | ||
IPO Launch date 1998-06-11 | President, CEO & Director Mr. David Scott Silverman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 191 | Website https://www.ublocal.com |
Full time employees 191 | Website https://www.ublocal.com | ||
Union 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. 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. It 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; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay 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 and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.
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