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Upturn AI SWOT - About
UNB 
Union Bankshares Inc (UNB)
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Upturn Advisory Summary
08/14/2025: 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
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early 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 08/14/2025 |
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, Inc. was a financial holding company headquartered in Richmond, Virginia. Founded in 1993, it grew through acquisitions and organic expansion to become one of the largest community banks in the Mid-Atlantic region. In 2021, Union Bankshares merged with Atlantic Union Bankshares Corporation.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans, and other financial products, to individuals and small businesses.
- Commercial Banking: Offers lending, treasury management, and other financial services to mid-sized and large businesses.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Prior to its merger with Atlantic Union, Union Bankshares was led by a board of directors and an executive management team. The organizational structure included various departments responsible for different aspects of the business, such as retail banking, commercial lending, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not available due to the merger. Competitors include Truist (TFC), Bank of America (BAC).
- Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Market share data is not available due to the merger. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM).
- Small Business Loans (SBA): Loans to small businesses, often guaranteed by the Small Business Administration. Market share data is not available due to the merger. Competitors include Live Oak Bancshares (LOB), and regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Banks face increasing competition from fintech companies and non-bank financial institutions.
Positioning
Before the merger, Union Bankshares positioned itself as a community-focused bank with a strong regional presence. Its competitive advantages included its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is significant, estimated in the billions of dollars. Union Bankshares held a small percentage of this TAM prior to its merger, targeting a specific niche of regional banking services.
Upturn SWOT Analysis
Strengths
- Strong Regional Presence
- Customer Relationships
- Experienced Management Team
- Diverse Product Offerings
Weaknesses
- Limited Geographic Scope (pre-merger)
- Reliance on Traditional Banking Model
- Smaller Scale Compared to National Banks
Opportunities
- Expansion into New Markets
- Increased Digital Banking Adoption
- Cross-selling Opportunities
- Growth in Wealth Management
Threats
- Increased Competition
- Regulatory Changes
- Economic Downturn
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- TFC
- BAC
- WFC
- JPM
Competitive Landscape
Union Bankshares, before the merger, competed with larger national banks and other regional banks. Its advantages included a strong regional presence and customer relationships, while its disadvantages included a smaller scale and limited geographic scope.
Major Acquisitions
Xenith Bankshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 701
- Strategic Rationale: Expanded Union's presence in the Virginia market and added scale to its operations.
Growth Trajectory and Initiatives
Historical Growth: Union Bankshares grew through acquisitions and organic expansion prior to its merger with Atlantic Union.
Future Projections: Future projections are not applicable as the company no longer exists independently.
Recent Initiatives: Recent initiatives included investments in technology and digital banking services prior to the merger.
Summary
Union Bankshares was a solid regional bank with a strong presence in Virginia. Its growth strategy focused on acquisitions and expanding its service offerings. The merger with Atlantic Union was intended to create a larger, more competitive institution. Investors should look towards Atlantic Union's performance now, as Union Bankshares no longer exists as a separate entity. While the community banking model served them well, the increasingly digital landscape required them to scale to remain competative.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, market research reports, news articles.
- https://www.sec.gov/Archives/edgar/data/732900/000156459017001455/ubsh-10k_20161231.htm
Disclaimers:
The information provided is based on historical data and publicly available sources. It is not financial advice and should not be used as the sole basis for making investment decisions.
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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