UNB (Union Bankshares) Cyclically Adjusted Revenue per Share: $11.77 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UNB Union Bankshares Inc UNB
57 GF Score
Price $23.50
GF Value $29.38
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Union Bankshares Cyclically Adjusted Revenue per Share?

Union Bankshares UNB -1.17% 57 Cyclically Adjusted Revenue per Share is $11.77 as of Jun. 2026. GuruFocus rates UNB with a GF Score™ of 57/100 and a GF Value™ of $29.38 (Modestly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Union Bankshares's adjusted revenue per share for the three months ended in Jun. 2026 was $3.005. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $11.77 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Union Bankshares's average Cyclically Adjusted Revenue Growth Rate was 5.20% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.50% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 6.30% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 6.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Union Bankshares was 8.60% per year. The lowest was 3.40% per year. And the median was 5.65% per year.

As of today (2026-08-27), Union Bankshares's current stock price is $23.50. Union Bankshares's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was $11.77. Union Bankshares's Cyclically Adjusted PS Ratio of today is 2.00.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Union Bankshares was 7.88. The lowest was 1.92. And the median was 3.16.


Union Bankshares  (NAS:UNB) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Union Bankshares's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=23.50/11.77
=2.00

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Union Bankshares was 7.88. The lowest was 1.92. And the median was 3.16.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Union Bankshares Cyclically Adjusted Revenue per Share Related Terms


Union Bankshares Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Union Bankshares's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Union Bankshares Cyclically Adjusted Revenue per Share Chart

Union Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.22 9.96 10.47 10.89 11.36

Union Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.19 11.32 11.36 11.61 11.77

UNB vs FNWB, UNIB, BBNA: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Union Bankshares's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Union Bankshares Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Union Bankshares's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Union Bankshares's Cyclically Adjusted PS Ratio falls into.


UNB
57GF Score
Union Bankshares Inc UNB
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Union Bankshares Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Union Bankshares's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=3.005/333.9520*333.9520
=3.005

Current CPI (Jun. 2026) = 333.9520.

Union Bankshares Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 2.045 241.428 2.829
201612 1.853 241.432 2.563
201703 1.913 243.801 2.620
201706 1.999 244.955 2.725
201709 2.088 246.819 2.825
201712 1.946 246.524 2.636
201803 2.104 249.554 2.816
201806 2.097 251.989 2.779
201809 2.118 252.439 2.802
201812 2.051 251.233 2.726
201903 2.148 254.202 2.822
201906 2.233 256.143 2.911
201909 2.321 256.759 3.019
201912 2.234 256.974 2.903
202003 2.241 258.115 2.899
202006 2.397 257.797 3.105
202009 3.048 260.280 3.911
202012 2.740 260.474 3.513
202103 2.460 264.877 3.102
202106 2.673 271.696 3.285
202109 2.958 274.310 3.601
202112 2.516 278.802 3.014
202203 2.483 287.504 2.884
202206 2.592 296.311 2.921
202209 2.870 296.808 3.229
202212 2.606 296.797 2.932
202303 2.702 301.836 2.989
202306 2.609 305.109 2.856
202309 2.470 307.789 2.680
202312 2.646 306.746 2.881
202403 2.551 312.332 2.728
202406 2.605 314.175 2.769
202409 2.365 315.301 2.505
202412 2.827 315.605 2.991
202503 2.719 319.799 2.839
202506 2.819 322.561 2.919
202509 3.079 324.800 3.166
202512 2.970 324.054 3.061
202603 2.888 330.213 2.921
202606 3.005 333.952 3.005

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $11.77 mean?
Union Bankshares (UNB) has a Cyclically Adjusted Revenue per Share of $11.77 as of Jun. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Union Bankshares and its competitors.
Is Union Bankshares' Cyclically Adjusted Revenue per Share too high?
Union Bankshares' current Cyclically Adjusted Revenue per Share is $11.77. Overall, Union Bankshares has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bankshares' Cyclically Adjusted Revenue per Share compare to FNWB and UNIB?
Union Bankshares' Cyclically Adjusted Revenue per Share of $11.77 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Union Bankshares and its competitors. Union Bankshares's current Cyclically Adjusted Revenue per Share is $11.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Union Bankshares (UNB) is currently considered Modestly Undervalued. The stock's GF Value™ is $29.38, compared to a current price of $23.50 — trading 20% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is $11.77. Union Bankshares' overall GF Score™ is 57/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Union Bankshares (UNB), the current Cyclically Adjusted Revenue per Share is $11.77 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Union Bankshares (UNB) Overvalued in 2026?

Based on GuruFocus' analysis, Union Bankshares stock appears to be undervalued. The current stock price of $23.50 is trading 20% below its estimated GF Value™ of $29.38. GuruFocus considers Union Bankshares to be Modestly Undervalued.

Key valuation signals for UNB:

  • Cyclically Adjusted Revenue per Share: $11.77
  • GF Value™: $29.38 vs. price of $23.50 (20% below fair value)
  • GF Score™: 57/100 with 3 warning signs

No single metric tells the full story. See the UNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Union Bankshares Business Description

Address 20 Lower Main Street, P.O. Box 667, Morrisville, VT, USA, 05661-0667
Union Bankshares Inc operates as a community bank in the financial services industry. It offers retail and commercial banking services to its customers through its branches, ATMs, telebanking, and internet banking systems. The Company has one definable business segment, Union Bank, which provides full retail, commercial, municipal banking, and wealth management and trust services throughout its 18 branch banking locations, three loan centers, and several ATMs covering northern Vermont and northern New Hampshire. In addition, it also offers fiduciary and asset management services through its Asset Management Group.
57GF Score

Get the complete analysis for UNB

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.50
Price
$29.38
GF Value