UNB (Union Bankshares) Scaled Net Operating Assets: 0.10 (As of Mar. 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 Scaled Net Operating Assets?

Union Bankshares UNB +3.65% 41 Scaled Net Operating Assets is 0.10 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Union Bankshares's operating assets for the quarter that ended in Mar. 2026 was $1,380.62 Mil. Union Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was $1,217.28 Mil. Union Bankshares's Total Assets for the quarter that ended in Dec. 2025 was $1,617.19 Mil. Therefore, Union Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.10.

UNB
41GF Score
Union Bankshares Inc UNB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bankshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Union Bankshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1603.578-1233.539)/1528.358
=0.24

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1617.191 - 13.613
=1603.578

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1536.327 - 302.788 - 0
=1233.539

Union Bankshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1380.619-1217.283)/1617.191
=0.10

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1625.145 - 244.526
=1380.619

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1544.58 - 327.297 - 0
=1217.283

* 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.

What does a Scaled Net Operating Assets of 0.10 mean?
Union Bankshares (UNB) has a Scaled Net Operating Assets of 0.10 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Union Bankshares and its competitors.
Is Union Bankshares' Scaled Net Operating Assets too high?
Union Bankshares' current Scaled Net Operating Assets is 0.10. 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' Scaled Net Operating Assets compare to CNBP and FKYS?
Union Bankshares' Scaled Net Operating Assets of 0.10 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Union Bankshares and its competitors. Union Bankshares's current Scaled Net Operating Assets is 0.10. 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 Scaled Net Operating Assets is 0.10. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Union Bankshares (UNB), the current Scaled Net Operating Assets is 0.10 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 $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:

  • Scaled Net Operating Assets: 0.10
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.57
Price
$29.01
GF Value