Union BanksharesUNB +3.65%47 EV-to-FCF is 29.84 as of Jul. 06, 2026, which is 44% above its 10-year median of 20.75. GuruFocus rates UNB with a GF Score™ of 47/100 and a GF Value™ of $29.01 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,196 Banks companies, Union Bankshares ranks worse than 88.8% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Union Bankshares's Enterprise Value is $432.82 Mil.
Union Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $14.51 Mil. Therefore, Union Bankshares's EV-to-FCF for today is 29.84.
The historical rank and industry rank for Union Bankshares's EV-to-FCF or its related term are showing as below:
UNB'
s EV-to-FCF Range Over the Past 10 Years
Min: -136.37 Med: 20.75 Max: 129.37
Current: 29.84
During the past 13 years, the highest EV-to-FCF of Union Bankshares was 129.37. The lowest was -136.37. And the median was 20.75.
UNB's EV-to-FCF is ranked worse than 88.8% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs UNB: 29.84
EV-to-FCF 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-FCF 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 $25.57.
Union Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.520.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Union Bankshares EV-to-FCF Related Terms
Union Bankshares EV-to-FCF Historical Data
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The historical data trend for Union Bankshares's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Union Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Union Bankshares's EV-to-FCF falls into.
Union Bankshares's current Enterprise Value is $432.82 Mil.
Union Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $14.51 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-FCF of 29.84 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Union Bankshares and its competitors. This is 44% above median its historical median of 20.75. According to the industry distribution chart, Union Bankshares ranks #1062 out of 1196 companies in the Banks industry, placing it in the top 88.8%.
Is Union Bankshares' EV-to-FCF too high?
Union Bankshares' current EV-to-FCF of 29.84 is 44% above median its 10-year median of 20.75. The Banks industry median EV-to-FCF is 6.57. Union Bankshares' value of 29.84 is 354.5% above this industry median. Based on the distribution chart, Union Bankshares ranks #1062 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Bankshares has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bankshares' EV-to-FCF compare to CNBP and FKYS?
According to the Banks industry distribution chart, Union Bankshares ranks #1062 out of 1196 companies for EV-to-FCF. This places Union Bankshares in the lower half of its industry. The industry median EV-to-FCF is 6.57. Union Bankshares' value of 29.84 is 354.5% above this benchmark. While the company's 10-year median is 20.75 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bankshares's current EV-to-FCF of 29.84 is 354.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Union Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bankshares's current EV-to-FCF is 29.84, which is 44% above median its own 10-year median of 20.75. 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 $29.01, compared to a current price of $25.57 — trading 11.9% below its estimated fair value. The current EV-to-FCF is 29.84, which is 44% above median its 10-year median of 20.75 and 354.5% above the Banks industry median of 6.57. Union Bankshares' overall GF Score™ is 47/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Union Bankshares (UNB), the current EV-to-FCF is 29.84 as of Jul. 06, 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 $25.57 is trading 11.9% below its estimated GF Value™ of $29.01.
GuruFocus considers Union Bankshares to be Modestly Undervalued.
Key valuation signals for UNB:
EV-to-FCF: 29.84 (44% above median its 10-year median of 20.75)
GF Value™: $29.01 vs. price of $25.57 (11.9% below fair value)
Industry Position: 354.5% above the Banks median (#1062 of 1196)
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.
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