UNB (Union Bankshares) Debt-to-Asset : 0.23 (As of Jun. 2026)

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UNB Union Bankshares Inc UNB
54 GF Score
Price $23.87
GF Value $29.42
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Union Bankshares Debt-to-Asset?

Union Bankshares UNB +0.51% 54 Debt-to-Asset is 0.23 as of Jun. 2026. GuruFocus rates UNB with a GF Score™ of 54/100 and a GF Value™ of $29.42 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Union Bankshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0.00 Mil. Union Bankshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $353.40 Mil. Union Bankshares's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $1,558.80 Mil. Union Bankshares's debt to asset for the quarter that ended in Jun. 2026 was 0.23.

Union Bankshares  (NAS:UNB) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Union Bankshares Debt-to-Asset Related Terms

Union Bankshares Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Union Bankshares's Debt-to-Asset 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 Debt-to-Asset Chart

Union Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.05 0.06 0.18 0.19

Union Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset 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 0.19 0.18 0.19 0.20 0.23

UNB vs BSBK, KTHN, WSBK: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Union Bankshares's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Union Bankshares's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Union Bankshares's Debt-to-Asset falls into.


UNB
54GF Score
Union Bankshares Inc UNB
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bankshares Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Union Bankshares's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 302.788) / 1617.191
=0.19

Union Bankshares's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 353.399) / 1558.797
=0.23

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.23 mean?
Union Bankshares (UNB) has a Debt-to-Asset of 0.23 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Union Bankshares and its competitors.
Is Union Bankshares' Debt-to-Asset too high?
Union Bankshares' current Debt-to-Asset is 0.23. Overall, Union Bankshares has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bankshares' Debt-to-Asset compare to BSBK and KTHN?
Union Bankshares' Debt-to-Asset of 0.23 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Union Bankshares and its competitors. Union Bankshares's current Debt-to-Asset is 0.23. 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 $29.42, compared to a current price of $23.87 — trading 18.9% below its estimated fair value. The current Debt-to-Asset is 0.23. Union Bankshares' overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Union Bankshares (UNB), the current Debt-to-Asset is 0.23 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 $23.87 is trading 18.9% below its estimated GF Value™ of $29.42. GuruFocus considers Union Bankshares to be Modestly Undervalued.

Key valuation signals for UNB:

  • Debt-to-Asset: 0.23
  • GF Value™: $29.42 vs. price of $23.87 (18.9% below fair value)
  • GF Score™: 54/100 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.
54GF Score

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Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.87
Price
$29.42
GF Value