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Union BanksharesUNB +0.08%51 EV-to-OCF is 20.47 as of Aug. 13, 2026, which is 12% above its 10-year median of 18.27. GuruFocus rates UNB with a GF Score™ of 51/100 and a GF Value™ of $29.34 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,497 Banks companies, Union Bankshares ranks worse than 88.31% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Union Bankshares's Enterprise Value is $458.86 Mil.
Union Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $22.42 Mil. Therefore, Union Bankshares's EV-to-OCF for today is 20.47.
The historical rank and industry rank for Union Bankshares's EV-to-OCF or its related term are showing as below:
UNB'
s EV-to-OCF Range Over the Past 10 Years
Min: -81.8 Med: 18.27 Max: 47.12
Current: 20.47
During the past 13 years, the highest EV-to-OCF of Union Bankshares was 47.12. The lowest was -81.80. And the median was 18.27.
UNB's EV-to-OCF is ranked worse than 88.31% of 1497
companies
in the Banks industry
Industry Median: 3.98
vs UNB: 20.47
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Union Bankshares's PE Ratio (TTM) for today is calculated as:
Union Bankshares's share price for today is $24.25.
Union Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.600.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Union Bankshares EV-to-OCF Related Terms
Union Bankshares EV-to-OCF Historical Data
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The historical data trend for Union Bankshares's EV-to-OCF 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.
For the Banks - Regional subindustry, Union Bankshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Union Bankshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Union Bankshares's EV-to-OCF falls into.
Union Bankshares's current Enterprise Value is $458.86 Mil.
Union Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $22.42 Mil.
* 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 (UNB) has a EV-to-OCF of 20.47 as of Aug. 13, 2026. This is 12% above median its historical median of 18.27. According to the industry distribution chart, Union Bankshares ranks #1322 out of 1497 companies in the Banks industry, placing it in the top 88.3%.
Is Union Bankshares' EV-to-OCF too high?
Union Bankshares' current EV-to-OCF of 20.47 is 12% above median its 10-year median of 18.27. The Banks industry median EV-to-OCF is 3.98. Union Bankshares' value of 20.47 is 414.3% above this industry median. Based on the distribution chart, Union Bankshares ranks #1322 out of 1497 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Bankshares has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bankshares' EV-to-OCF compare to FNWB and UNIB?
According to the Banks industry distribution chart, Union Bankshares ranks #1322 out of 1497 companies for EV-to-OCF. This places Union Bankshares in the lower half of its industry. The industry median EV-to-OCF is 3.98. Union Bankshares' value of 20.47 is 414.3% above this benchmark. While the company's 10-year median is 18.27 vs. the industry median of 3.98, Union Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bankshares's current EV-to-OCF of 20.47 is 414.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bankshares's current EV-to-OCF is 20.47, which is 12% above median its own 10-year median of 18.27. 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 $29.34, compared to a current price of $24.25 — trading 17.3% below its estimated fair value. The current EV-to-OCF is 20.47, which is 12% above median its 10-year median of 18.27 and 414.3% above the Banks industry median of 3.98. Union Bankshares' overall GF Score™ is 51/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Union Bankshares (UNB), the current EV-to-OCF is 20.47 as of Aug. 13, 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 $24.25 is trading 17.3% below its estimated GF Value™ of $29.34.
GuruFocus considers Union Bankshares to be Modestly Undervalued.
Key valuation signals for UNB:
EV-to-OCF: 20.47 (12% above median its 10-year median of 18.27)
GF Value™: $29.34 vs. price of $24.25 (17.3% below fair value)
Industry Position: 414.3% above the Banks median (#1322 of 1497)
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 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.
51GF Score
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