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Union BanksharesUNB +1.56%47 5-Year Yield-on-Cost % is 6.57 as of Jul. 15, 2026, which is 29% above its 10-year median of 5.11. GuruFocus rates UNB with a GF Score™ of 47/100 and a GF Value™ of $29.03 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,257 Banks companies, Union Bankshares ranks better than 76.53% on this metric.
Union Bankshares's yield on cost for the quarter that ended in Mar. 2026 was 6.57.
The historical rank and industry rank for Union Bankshares's 5-Year Yield-on-Cost % or its related term are showing as below:
UNB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.39 Med: 5.11 Max: 8.35
Current: 6.57
During the past 13 years, Union Bankshares's highest Yield on Cost was 8.35. The lowest was 2.39. And the median was 5.11.
UNB's 5-Year Yield-on-Cost % is ranked better than 76.53% of 1257
companies
in the Banks industry
Industry Median: 3.89
vs UNB: 6.57
Union Bankshares (NAS:UNB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Union Bankshares 5-Year Yield-on-Cost % Related Terms
UNB vs CNBP, FKYS, MGYR: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Union Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Union Bankshares's 5-Year Yield-on-Cost % falls into.
Union Bankshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Union Bankshares (UNB) has a 5-Year Yield-on-Cost % of 6.57 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Union Bankshares and its competitors. This is 29% above median its historical median of 5.11. Over the past decade, Union Bankshares' 5-Year Yield-on-Cost % has ranged from 2.39 to 8.35. According to the industry distribution chart, Union Bankshares ranks #295 out of 1257 companies in the Banks industry, placing it in the top 23.5%.
Is Union Bankshares' 5-Year Yield-on-Cost % too high?
Union Bankshares' current 5-Year Yield-on-Cost % of 6.57 is 29% above median its 10-year median of 5.11. Over the past 10 years, this metric has ranged from a low of 2.39 to a high of 8.35. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Union Bankshares' value of 6.57 is 68.9% above this industry median. Based on the distribution chart, Union Bankshares ranks #295 out of 1257 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 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bankshares' 5-Year Yield-on-Cost % compare to CNBP and FKYS?
According to the Banks industry distribution chart, Union Bankshares ranks #295 out of 1257 companies for 5-Year Yield-on-Cost %. This places Union Bankshares in the top 24% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. Union Bankshares' value of 6.57 is 68.9% above this benchmark. Historically, Union Bankshares' own 5-Year Yield-on-Cost % has ranged from 2.39 to 8.35 over the past decade. While the company's 10-year median is 5.11 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,257 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bankshares's current 5-Year Yield-on-Cost % of 6.57 is 68.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Union Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bankshares's current 5-Year Yield-on-Cost % is 6.57, which is 29% above median its own 10-year median of 5.11. 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 $29.03, compared to a current price of $24.80 — trading 14.6% below its estimated fair value. The current 5-Year Yield-on-Cost % is 6.57, which is 29% above median its 10-year median of 5.11 and 68.9% above the Banks industry median of 3.89. Union Bankshares' overall GF Score™ is 47/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Union Bankshares (UNB), the current 5-Year Yield-on-Cost % is 6.57 as of Jul. 15, 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 $24.80 is trading 14.6% below its estimated GF Value™ of $29.03.
GuruFocus considers Union Bankshares to be Modestly Undervalued.
Key valuation signals for UNB:
5-Year Yield-on-Cost %: 6.57 (29% above median its 10-year median of 5.11)
GF Value™: $29.03 vs. price of $24.80 (14.6% below fair value)
Industry Position: 68.9% above the Banks median (#295 of 1257)
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.
47GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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