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Upturn AI SWOT - About
UNB 
Union Bankshares Inc (UNB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.31% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Union Bankshares Inc
Company Overview
History and Background
Union Bankshares Corporation was a bank holding company headquartered in Richmond, Virginia. Founded in 1993, it grew through acquisitions of community banks throughout Virginia and surrounding states. In 2021, it merged with Atlantic Union Bankshares Corporation.
Core Business Areas
- Community Banking: Offers a range of deposit, loan, and other financial services to individuals, small businesses, and commercial clients through a network of branches.
- Commercial Banking: Provides commercial lending, treasury management, and other financial solutions to larger businesses and corporations.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
Before the merger, Union Bankshares Corporation had a Board of Directors and a management team led by its President and CEO. The organizational structure was typical of a regional bank holding company, with various divisions and departments overseeing different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing financing for real estate development and investment. Market share data for Union Bankshares specifically is unavailable, but competitors include Truist Financial (TFC) and Bank of America (BAC).
- Small Business Loans: Loans to small businesses for various purposes, such as working capital, equipment financing, and expansion. Market share data for Union Bankshares specifically is unavailable, but competitors include Wells Fargo (WFC) and US Bancorp (USB).
- Mortgage Loans: Loans to individuals for purchasing residential properties. Market share data for Union Bankshares specifically is unavailable, but competitors include Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulatory scrutiny, intense competition, and evolving customer expectations, influenced by technological advancements and economic conditions.
Positioning
Union Bankshares positioned itself as a community-focused regional bank, emphasizing relationship banking and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is estimated to be in the hundreds of billions of dollars. Union Bankshares held a portion of this TAM, focusing on specific geographic areas and customer segments.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Diversified product and service offerings
Weaknesses
- Limited geographic reach compared to national banks
- Reliance on traditional banking channels
- Potential for credit quality issues in economic downturns
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Acquisition of smaller banks or credit unions
- Growth in wealth management services
Threats
- Increased competition from larger national banks and fintech companies
- Rising interest rates
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- TFC
- BAC
- WFC
- USB
Competitive Landscape
Union Bankshares competed with larger national banks and other regional players. Its advantages included local market knowledge and customer relationships, while its disadvantages included limited scale and geographic reach.
Major Acquisitions
Xenith Bankshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 701
- Strategic Rationale: Expansion into attractive urban markets and increased scale.
Growth Trajectory and Initiatives
Historical Growth: Union Bankshares' historical growth was driven by organic expansion and acquisitions of community banks.
Future Projections: Post-merger, future growth will be tied to the performance of Atlantic Union Bankshares (AUB). Analyst estimates for AUB would reflect the combined entity's prospects.
Recent Initiatives: The merger with Atlantic Union Bankshares was the most significant recent initiative.
Summary
Union Bankshares was a regional bank that focused on community banking and wealth management with a goal of building a strong, lasting presence in Virginia and surrounding areas. The bank's strength was its local presence and customer relationships, but it faced challenges from larger national banks and fintech companies. The merger with Atlantic Union provides the new entity greater scale to compete more effectively. The key for the newly formed bank is that it needs to focus on integration and cost synergies to realize the benefits of the combination.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company press releases
- SEC filings
- Analyst reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source.
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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