How do I set a price alert for UNB?

To set a UNB price alert on Stock Alarm Pro, navigate to the UNB quote page, select "Set Alert," choose your trigger type (price target, % move, RSI level, MACD, or volume breakout), and set your delivery channel. Stock Alarm Pro supports instant push notifications, SMS, and automated phone call alerts.

Can I get phone call alerts for UNB?

Yes. Stock Alarm Pro provides real-time automated phone call alerts for UNB. Phone call alerts ensure you are immediately awakened or interrupted during critical volatility events, overnight earnings moves, or strict stop-loss levels when silent push notifications might be overlooked.

What types of alerts can I set for Union Bankshares Inc?

Stock Alarm Pro supports over 125 trigger types for UNB: price target alerts (above/below target), intraday percentage moves, RSI overbought/oversold levels, 50-day and 200-day moving average crossovers (golden cross / death cross), relative volume (RVOL) spikes, confirmed earnings date releases, and SEC Form-4 insider transaction filings.

How quickly will I be notified about UNB price changes?

UNB alerts are evaluated continuously in real-time against live market telemetry. Notifications are dispatched within sub-second latency via push notifications, SMS, or phone calls as soon as your trigger condition is met across regular, pre-market, and after-hours trading sessions.

Is Stock Alarm Pro free to use for UNB alerts?

Yes, Stock Alarm Pro offers a free tier that includes 3 active price alerts for UNB and other stocks. Full Pro membership is $20/month or $168/year with a 7-day free trial, unlocking unlimited alerts, phone call delivery, SMS, all 125+ technical indicators, institutional screeners, and real-time market telemetry across web, iOS, and Android.

UNB Company Intelligence - Business Model, Drivers & Risks

Union Bankshares, Inc.(UNB)

$23.01—Earnings · Oct 21

WatchlistAsk AI Chart

Union Bankshares, Inc.(UNB)

NASDAQAbout this data

$23.01—Earnings · Oct 21

WatchlistAsk AI Chart Studio

UNB(UNB)

UNB

Union Bankshares, Inc. operates as a community bank holding company serving Vermont and northern New Hampshire through its subsidiary Union Bank. With approximately $1.4 billion in assets, the bank focuses on traditional commercial and retail banking, residential mortgage lending, and wealth management services in rural and small-town markets. The company competes primarily on local relationships and service quality rather than scale or technology.

Financial ServicesRegional Community Banksmoderate - Community banks have significant fixed costs in branch infrastructure, compliance, and technology systems. However, the 13.8% operating margin suggests reasonable expense discipline. Revenue growth from loan volume expansion or margin improvement flows through to profitability without proportional cost increases, though regulatory compliance costs create a floor on expense reduction. Scale limitations versus larger regional banks constrain operating leverage potential.

Business Overview

01Net interest income from commercial and residential loan portfolios (estimated 70-75% of revenue)

02Mortgage banking fees and loan origination income (estimated 10-15% of revenue)

03Wealth management and trust services fees (estimated 5-10% of revenue)

04Deposit service charges and transaction fees (estimated 5-8% of revenue)

Union Bank generates revenue primarily through net interest margin - the spread between interest earned on loans and mortgages versus interest paid on deposits. The 61.5% gross margin reflects the bank's ability to maintain deposit funding costs below loan yields. As a community bank, pricing power comes from relationship banking and local market knowledge rather than product innovation. The bank originates residential mortgages for portfolio retention and secondary market sale, generating fee income. Wealth management services provide stable fee-based revenue with minimal capital requirements.

What Moves the Stock

Net interest margin expansion or compression driven by Federal Reserve policy and deposit competition

Loan portfolio growth in commercial real estate and residential mortgages within Vermont/New Hampshire markets

Credit quality metrics including non-performing loan ratios and provision expense

Deposit franchise stability and cost of funds relative to regional competitors

M&A speculation given small-cap bank consolidation trends in New England

Watch on Earnings

Net interest margin (NIM) and quarterly trajectoryLoan growth rates by category (CRE, residential, commercial C&I)Non-performing assets ratio and loan loss provision levelsEfficiency ratio and expense managementTangible book value per share growth

Risk Factors

Digital banking disruption from national fintech competitors and larger regional banks offering superior mobile/online platforms, eroding the community bank relationship advantage

Regulatory compliance burden disproportionately affects small banks with <$2B assets, creating scale disadvantages versus larger regionals that spread compliance costs across bigger asset bases

Branch-based distribution model faces secular decline as customers shift to digital channels, potentially stranding fixed costs in physical infrastructure

Deposit competition from larger regional banks (TD Bank, Citizens, KeyBank) and national online banks offering higher rates, pressuring funding costs and margin

Loan market share loss to non-bank lenders and credit unions in residential mortgage and small business lending

Limited geographic diversification concentrates risk in Vermont/New Hampshire economic performance versus multi-state competitors

Elevated debt/equity ratio of 3.70 indicates reliance on wholesale funding or brokered deposits that reprice quickly, creating margin volatility

Low current ratio of 0.15 is typical for banks but highlights liquidity management importance and regulatory capital requirements

Small market cap ($100M) and limited trading liquidity create acquisition vulnerability and capital-raising constraints for organic growth

StructuralCompetitiveBalance Sheet

Macro Sensitivity

Economic Cycle

moderate-to-high - As a community bank concentrated in Vermont and New Hampshire, loan demand correlates with regional economic activity, small business formation, and residential real estate markets. The rural/small-town focus creates exposure to tourism, agriculture, and small manufacturing sectors. Credit quality deteriorates during recessions as borrowers face stress, requiring higher loan loss provisions. However, conservative underwriting in community banks typically provides some cushion versus aggressive lenders.

Interest Rates

High sensitivity to interest rate levels and yield curve shape. Rising short-term rates (Fed funds) initially compress margins as deposit costs reprice faster than fixed-rate loan portfolios, though eventual loan repricing expands NIM. The current 3.70 debt/equity ratio suggests meaningful wholesale funding that reprices quickly. A steepening yield curve (wider 10Y-2Y spread) benefits profitability by allowing higher loan yields while maintaining lower deposit costs. Falling rates reduce reinvestment yields and compress margins over time.

Credit

Significant credit exposure through commercial real estate lending in Vermont/New Hampshire markets and residential mortgage portfolios. Economic weakness, rising unemployment, or property value declines directly impact loan performance. The 0.7% ROA suggests thin margins where credit losses materially affect profitability. Regional concentration risk exists if Vermont/New Hampshire economies underperform national trends.

Live Conditions

Russell 2000 Futures30-Year TreasuryS&P 500 FuturesDow Jones Futures5-Year Treasury2-Year Treasury10-Year Treasury30-Day Fed Funds

Profile

value - The 1.4x price/book ratio and small-cap regional bank profile attract value investors seeking below-tangible-book acquisitions or mean reversion plays. The -29.7% one-year return suggests recent underperformance creating potential value opportunity. Limited analyst coverage and $100M market cap appeal to deep-value and special situations investors. Not suitable for growth or momentum investors given mature market and limited expansion opportunities. Minimal dividend yield focus given reinvestment needs.

moderate-to-high - Small-cap regional banks exhibit elevated volatility from limited float, low trading volumes, and sensitivity to interest rate swings. The -29.7% one-year return versus +11.6% three-month return demonstrates significant price swings. Regulatory announcements, regional economic data, and M&A speculation create episodic volatility. Beta likely exceeds 1.2 relative to regional bank indices.

Key Metrics to Watch

Federal Funds Rate and FOMC policy trajectory for NIM impact

10Y-2Y Treasury yield curve spread as predictor of bank profitability

Vermont and New Hampshire unemployment rates for regional credit quality

30-year mortgage rates affecting residential lending volume and refinancing activity

Regional commercial real estate vacancy rates and property values

Tangible book value per share as acquisition valuation floor

real estate M&A regulation margin expansion operating leverage