Union BanksharesUNB +3.65%41 PB Ratio is 1.46 as of Jul. 05, 2026, which is 27% below its 10-year median of 1.99. 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 1,518 Banks companies, Union Bankshares ranks worse than 75.36% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-05), Union Bankshares's share price is $25.57. Union Bankshares's Book Value per Share for the quarter that ended in Mar. 2026 was $17.46. Hence, Union Bankshares's PB Ratio of today is 1.46.
The historical rank and industry rank for Union Bankshares's PB Ratio or its related term are showing as below:
UNB'
s PB Ratio Range Over the Past 10 Years
Min: 1.01 Med: 1.99 Max: 4.13
Current: 1.46
During the past 13 years, Union Bankshares's highest PB Ratio was 4.13. The lowest was 1.01. And the median was 1.99.
UNB's PB Ratio is ranked worse than 75.36% of 1518
companies
in the Banks industry
Industry Median: 1.1
vs UNB: 1.46
During the past 12 months, Union Bankshares's average Book Value Per Share Growth Rate was 13.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Union Bankshares was 12.70% per year. The lowest was -8.60% per year. And the median was 4.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Union Bankshares PB Ratio Related Terms
Union Bankshares PB Ratio Historical Data
* Premium members only.
The historical data trend for Union Bankshares's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Bankshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Union Bankshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Union Bankshares (UNB) has a PB Ratio of 1.46 as of Jul. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Union Bankshares and its competitors. This is 27% below median its historical median of 1.99. Over the past decade, Union Bankshares' PB Ratio has ranged from 1.01 to 4.13. According to the industry distribution chart, Union Bankshares ranks #1144 out of 1518 companies in the Banks industry, placing it in the top 75.4%.
Is Union Bankshares' PB Ratio too high?
Union Bankshares' current PB Ratio of 1.46 is 27% below median its 10-year median of 1.99. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 4.13. The Banks industry median PB Ratio is 1.10. Union Bankshares' value of 1.46 is 32.7% above this industry median. Based on the distribution chart, Union Bankshares ranks #1144 out of 1518 companies in the Banks industry, which is in the bottom quartile 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' PB Ratio compare to CNBP and FKYS?
According to the Banks industry distribution chart, Union Bankshares ranks #1144 out of 1518 companies for PB Ratio. This places Union Bankshares in the lower half of its industry. The industry median PB Ratio is 1.10. Union Bankshares' value of 1.46 is 32.7% above this benchmark. Historically, Union Bankshares' own PB Ratio has ranged from 1.01 to 4.13 over the past decade. While the company's 10-year median is 1.99 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bankshares's current PB Ratio of 1.46 is 32.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Union Bankshares and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bankshares's current PB Ratio is 1.46, which is 27% below median its own 10-year median of 1.99. 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 PB Ratio is 1.46, which is 27% below median its 10-year median of 1.99 and 32.7% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Union Bankshares (UNB), the current PB Ratio is 1.46 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:
PB Ratio: 1.46 (27% below median its 10-year median of 1.99)
GF Value™: $29.01 vs. price of $25.57 (11.9% below fair value)
Industry Position: 32.7% above the Banks median (#1144 of 1518)
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.
41GF Score
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