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Union BanksharesUNB -2.42%51 OCF Margin % is 19.07% as of Mar. 2026, which is 33% below its 10-year median of 28.50. GuruFocus rates UNB with a GF Score™ of 51/100 and a GF Value™ of $29.31 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,498 Banks companies, Union Bankshares ranks worse than 52% on this metric.
The historical data trend for Union Bankshares's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bankshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Union Bankshares's OCF 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 OCF Margin % of 19.07% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Union Bankshares and its competitors. This is 33% below median its historical median of 28.50. According to the industry distribution chart, Union Bankshares ranks #779 out of 1498 companies in the Banks industry, placing it in the top 52%.
Is Union Bankshares' OCF Margin % too high?
Union Bankshares' current OCF Margin % of 19.07% is 33% below median its 10-year median of 28.50. The Banks industry median OCF Margin % is 29.16. Union Bankshares' value of 19.07% is 34.6% below this industry median. Based on the distribution chart, Union Bankshares ranks #779 out of 1498 companies in the Banks industry, which is below 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' OCF Margin % compare to FNWB and UNIB?
According to the Banks industry distribution chart, Union Bankshares ranks #779 out of 1498 companies for OCF Margin %. This places Union Bankshares in the lower half of its industry. The industry median OCF Margin % is 29.16. Union Bankshares' value of 19.07% is 34.6% below this benchmark. While the company's 10-year median is 28.50 vs. the industry median of 29.16, Union Bankshares has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.16, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bankshares's current OCF Margin % of 19.07% is 34.6% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Union Bankshares and its competitors. For the Banks industry, the median OCF Margin % is 29.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bankshares's current OCF Margin % is 19.07%, which is 33% below median its own 10-year median of 28.50. 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 $29.31, compared to a current price of $23.15 — trading 21% below its estimated fair value. The current OCF Margin % is 19.07%, which is 33% below median its 10-year median of 28.50 and 34.6% below the Banks industry median of 29.16. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Union Bankshares (UNB), the current OCF Margin % is 19.07% as of Mar. 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 $23.15 is trading 21% below its estimated GF Value™ of $29.31.
GuruFocus considers Union Bankshares to be Modestly Undervalued.
Key valuation signals for UNB:
OCF Margin %: 19.07% (33% below median its 10-year median of 28.50)
GF Value™: $29.31 vs. price of $23.15 (21% below fair value)
Industry Position: 34.6% below the Banks median (#779 of 1498)
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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