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Union BanksharesUNB -1.01%51 FCF Yield % is 13.46 as of Jul. 31, 2026, which is 126% above its 10-year median of 5.96. GuruFocus rates UNB with a GF Score™ of 51/100 and a GF Value™ of $29.30 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,502 Banks companies, Union Bankshares ranks better than 70.57% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Union Bankshares FCF Yield % Related Terms
Union Bankshares FCF Yield % Historical Data
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The historical data trend for Union Bankshares's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bankshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Union Bankshares's FCF Yield % 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 Yield % of 13.46 as of Jul. 31, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Union Bankshares and its competitors. This is 126% above median its historical median of 5.96. According to the industry distribution chart, Union Bankshares ranks #442 out of 1502 companies in the Banks industry, placing it in the top 29.4%.
Is Union Bankshares' FCF Yield % too high?
Union Bankshares' current FCF Yield % of 13.46 is 126% above median its 10-year median of 5.96. The Banks industry median FCF Yield % is 7.90. Union Bankshares' value of 13.46 is 70.4% above this industry median. Based on the distribution chart, Union Bankshares ranks #442 out of 1502 companies in the Banks industry, which is above the industry midpoint. 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' FCF Yield % compare to FNWB and UNIB?
According to the Banks industry distribution chart, Union Bankshares ranks #442 out of 1502 companies for FCF Yield %. This puts Union Bankshares in the upper half of its industry. The industry median FCF Yield % is 7.90. Union Bankshares' value of 13.46 is 70.4% above this benchmark. While the company's 10-year median is 5.96 vs. the industry median of 7.90, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.90, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bankshares's current FCF Yield % of 13.46 is 70.4% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Union Bankshares and its competitors. For the Banks industry, the median FCF Yield % is 7.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bankshares's current FCF Yield % is 13.46, which is 126% above median its own 10-year median of 5.96. 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 $29.30, compared to a current price of $23.36 — trading 20.3% below its estimated fair value. The current FCF Yield % is 13.46, which is 126% above median its 10-year median of 5.96 and 70.4% above the Banks industry median of 7.90. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Union Bankshares (UNB), the current FCF Yield % is 13.46 as of Jul. 31, 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 $23.36 is trading 20.3% below its estimated GF Value™ of $29.30.
GuruFocus considers Union Bankshares to be Modestly Undervalued.
Key valuation signals for UNB:
FCF Yield %: 13.46 (126% above median its 10-year median of 5.96)
GF Value™: $29.30 vs. price of $23.36 (20.3% below fair value)
Industry Position: 70.4% above the Banks median (#442 of 1502)
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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