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Union BanksharesUNB +0.33%55 FCF Margin % is 41.27% as of Jun. 2026, which is 80% above its 10-year median of 22.95. GuruFocus rates UNB with a GF Score™ of 55/100 and a GF Value™ of $29.36 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,499 Banks companies, Union Bankshares ranks better than 65.51% on this metric.
The historical data trend for Union Bankshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Union Bankshares's FCF Margin % falls into.
* 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 FCF Margin % of 41.27% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Union Bankshares and its competitors. This is 80% above median its historical median of 22.95. According to the industry distribution chart, Union Bankshares ranks #517 out of 1499 companies in the Banks industry, placing it in the top 34.5%.
Is Union Bankshares' FCF Margin % too high?
Union Bankshares' current FCF Margin % of 41.27% is 80% above median its 10-year median of 22.95. The Banks industry median FCF Margin % is 27.12. Union Bankshares' value of 41.27% is 52.2% above this industry median. Based on the distribution chart, Union Bankshares ranks #517 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, Union Bankshares has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bankshares' FCF Margin % compare to FNWB and UNIB?
According to the Banks industry distribution chart, Union Bankshares ranks #517 out of 1499 companies for FCF Margin %. This puts Union Bankshares in the upper half of its industry. The industry median FCF Margin % is 27.12. Union Bankshares' value of 41.27% is 52.2% above this benchmark. While the company's 10-year median is 22.95 vs. the industry median of 27.12, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.12, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bankshares's current FCF Margin % of 41.27% is 52.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Union Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 27.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bankshares's current FCF Margin % is 41.27%, which is 80% above median its own 10-year median of 22.95. 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 $29.36, compared to a current price of $24.29 — trading 17.3% below its estimated fair value. The current FCF Margin % is 41.27%, which is 80% above median its 10-year median of 22.95 and 52.2% above the Banks industry median of 27.12. Union Bankshares' overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Union Bankshares (UNB), the current FCF Margin % is 41.27% 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 $24.29 is trading 17.3% below its estimated GF Value™ of $29.36.
GuruFocus considers Union Bankshares to be Modestly Undervalued.
Key valuation signals for UNB:
FCF Margin %: 41.27% (80% above median its 10-year median of 22.95)
GF Value™: $29.36 vs. price of $24.29 (17.3% below fair value)
Industry Position: 52.2% above the Banks median (#517 of 1499)
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.
55GF Score
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