UNB (Union Bankshares) Moat Score: 4/10 (As of Jul. 05, 2026)


UNB Union Bankshares Inc UNB
41 GF Score
Price $25.57
GF Value $29.01
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Union Bankshares Moat Score?

Union Bankshares UNB +3.65% 41 Moat Score is 4 as of Jul. 05, 2026. GuruFocus rates UNB with a GF Score™ of 41/100 and a GF Value™ of $29.01 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,612 Banks companies, Union Bankshares ranks better than 86.23% on this metric.

Union Bankshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Union Bankshares has Narrow Moat: Union Bankshares Inc has a modest moat due to its regional market leadership and customer loyalty. However, it lacks significant network effects, strong brand strength, or substantial regulatory barriers, limiting its competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Union Bankshares might have Narrow Moat - Discernible but modest moat.

Union Bankshares  (NAS:UNB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Union Bankshares Moat Score Related Terms

UNB vs CNBP, FKYS, MGYR: Moat Score Comparison

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

For the Banks industry and Financial Services sector, Union Bankshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Union Bankshares's Moat Score falls into.


UNB
41GF Score
Union Bankshares Inc UNB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Union Bankshares (UNB) has a Moat Score of 4 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Union Bankshares ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is Union Bankshares' Moat Score too high?
Union Bankshares' current Moat Score is 4. Based on the distribution chart, Union Bankshares ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Union Bankshares has a GF Score™ of 41/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bankshares' Moat Score compare to CNBP and FKYS?
According to the Banks industry distribution chart, Union Bankshares ranks #222 out of 1612 companies for Moat Score. This places Union Bankshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Union Bankshares's current Moat Score is 4. 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 Moat Score is 4. Union Bankshares' overall GF Score™ is 41/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Union Bankshares (UNB), the current Moat Score is 4 as of Jul. 05, 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:

  • Moat Score: 4
  • GF Value™: $29.01 vs. price of $25.57 (11.9% below fair value)
  • GF Score™: 41/100 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.
41GF Score

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

$25.57
Price
$29.01
GF Value