UNION BANKSHARES INC (UNB)
State Commercial Banks · Financial Services · $110M
Intrinsic Value (Consensus)
$55.62
Current Price
$23.58
Margin of Safety
+135.9%
135.9% Below Intrinsic Value
Value: $56
Price: $24
Valuation Model Estimates
Current Price: $23.58
DCF (Discounted Cash Flow)
$163.12
Graham Number
$30.90
Earnings Power Value
$23.40
Relative Value (P/E)
$48.20
Dividend Discount Model
$120.00
Consensus Value
$55.62
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (14.6%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.41
- EPS (Forward)
- $2.89
- Book Value
- $17.61
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 13.7%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.7%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance