Union Bankshares Inc (UNB) — Titan Protect Analysis

UNB

Union Bankshares Inc

Financial · ·

$23.26

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$107M

Total market value of the company

Trailing P/E

9.21

Very cheap relative to earnings

Forward P/E

N/A

Based on estimated future earnings — lower means cheaper

Rev Growth

+13.1%

Year-over-year revenue change

Profit Margin

20.9%

How much profit the company keeps from each dollar of revenue

ROE

15.4%

Return on equity — how efficiently it uses shareholder money

Analyst Target

N/A

Recommendation

NONE

Consensus view from ? analysts covering this stock

About Union Bankshares Inc

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

https://www.ublocal.com

Country: United States Employees: 195 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.329

Positive but modest risk-adjusted returns

Kelly Fraction

0.0119

Marginal edge — very small allocation suggested

Calmar Ratio

0.137

Drawdown risk outweighs the returns — higher risk profile

Annual Return

5.5%

Historical annualised return based on price data

Max Drawdown

-40.1%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

497

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.31

Very low correlation to market moves

52W High

$29.72

22% below the year high

52W Low

$20.65

13% above the year low

Avg Volume

11,360

Average daily shares traded — higher means easier to buy and sell

Short Ratio

5.3

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

622.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$2.51

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

23.6%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$55M

Total revenue over the last 12 months

Net Income

$12M

Profitable — the bottom line is positive

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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