UNB
Union Bankshares
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: UNB
- PE Ratio
As of Jun 23, 2026, the UNB stock has a PE ratio of 9.78. The calculation is based on the latest EPS of $2.53 and the stock price of $24.74 per share. A decrease of 8% has been observed in the PE ratio compared to its average of 10.6 of the past four quarters.
UNB PE ratio history
The mean historical PE ratio of Union Bankshares over the last ten years is 15.3. The current 9.78 price-to-earnings ratio is 36% less than the historical average. Analyzing the last ten years, UNB's PE ratio reached its highest point in the Dec 2018 quarter at 30.22, with a price of $47.75 and an EPS of $1.58. The Mar 2023 quarter saw the lowest point at 7.57, with a price of $22.11 and an EPS of $2.92.
Union Bankshares PE ratio by year
Maximum annual increase: 50.92% in 2016
Maximum annual decrease: -49.57% in 2019
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 9.77 | -34.43% | $23.73 | $2.43 |
| 2024 | 14.9 | 21.53% | $28.91 | $1.94 |
| 2023 | 12.26 | 43.56% | $30.65 | $2.5 |
| 2022 | 8.54 | -15.86% | $24.01 | $2.81 |
| 2021 | 10.15 | 12.9% | $29.83 | $2.94 |
| 2020 | 8.99 | -41.01% | $25.71 | $2.86 |
| 2019 | 15.24 | -49.57% | $36.26 | $2.38 |
| 2018 | 30.22 | 7.85% | $47.75 | $1.58 |
| 2017 | 28.02 | 17.73% | $52.95 | $1.89 |
| 2016 | 23.8 | 50.92% | $45.45 | $1.91 |
| 2015 | 15.77 | 14.86% | $27.91 | $1.77 |
| 2014 | 13.73 | -4.52% | $23.75 | $1.73 |
| 2013 | 14.38 | 13.32% | $23 | $1.6 |
| 2012 | 12.69 | -22% | $19.54 | $1.54 |
| 2011 | 16.27 | 11.82% | $19.04 | $1.17 |
Union Bankshares PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 9.61 | -1.64% | $24.32 | $2.53 |
| Dec 2025 | 9.77 | -1.31% | $23.73 | $2.43 |
| Sep 2025 | 9.9 | -24.14% | $24.76 | $2.5 |
| Jun 2025 | 13.05 | -18.74% | $26.62 | $2.04 |
| Mar 2025 | 16.06 | 7.79% | $31.47 | $1.96 |
| Dec 2024 | 14.9 | 12.03% | $28.91 | $1.94 |
| Sep 2024 | 13.3 | 37.4% | $25.93 | $1.95 |
| Jun 2024 | 9.68 | -24.79% | $21.48 | $2.22 |
| Mar 2024 | 12.87 | 4.98% | $30.5 | $2.37 |
| Dec 2023 | 12.26 | 47.89% | $30.65 | $2.5 |
| Sep 2023 | 8.29 | 2.35% | $21.47 | $2.59 |
| Jun 2023 | 8.1 | 7% | $23.25 | $2.87 |
| Mar 2023 | 7.57 | -11.36% | $22.11 | $2.92 |
| Dec 2022 | 8.54 | 5.69% | $24.01 | $2.81 |
| Sep 2022 | 8.08 | -12.55% | $22.62 | $2.8 |
UNB Price vs fair value
UNB average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, UNB's PE ratio is under its 3, 5 and 10-year averages.
PE comparison
Union Bankshares's price to earnings (P/E) of 9.78 is lower than the Financial Services sector, the industry and its peers average. Looking at the Financial Services sector average of 12.95, Union Bankshares's price to earnings (P/E) is 24% lower.
UNB PE vs peers
When compared to its peer stocks INDB and NBTB, UNB's PE ratio is lower. Union Bankshares's PE ratio is trading below the peer average of 14.5.
| Stock name | PE ratio | Market cap |
|---|---|---|
| UNB Union Bankshares Inc | 9.78 | $114.15M |
| WASH Washington Trust Bancorp Inc | 12.95 | $679.12M |
| NBTB Nbt Bancorp Inc | 13.59 | $2.5B |
| BHB Bar Harbor Bankshares | 15.11 | $624.98M |
| INDB Independent Bank Corp | 16.33 | $4.01B |
Frequently asked questions
What is Union Bankshares's PE ratio?
UNB's price to earnings ratio is 9.78 as of Jun 23, 2026.
What is the 3-year average PE ratio for Union Bankshares (UNB)?
The 3-year average PE ratio for UNB stock is 11.48.
What is the 5-year average PE ratio for Union Bankshares (UNB)?
The 5-year average PE ratio for UNB stock is 10.73.
What is the highest PE ratio for UNB?
Over the last ten years, the Dec 2018 quarter recorded the highest quarterly PE ratio at 30.22.
How does the current PE ratio for UNB compare to its historical average?
UNB's current price to earnings ratio is 36% below its 10-year historical average.
Why is Union Bankshares's PE ratio so low?
A company with a lower PE ratio may indicate that the market has lower growth expectations for the company's future earnings.
How is UNB's PE ratio calculated (Union Bankshares PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months earnings per share(EPS). As of today (Jun 23, 2026), Union Bankshares's share price is $24.74. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.53. Therefore, Union Bankshares's price to earnings ratio for today is 9.78. PE RATIO(9.78) = STOCK PRICE($24.74) / TTM EPS($2.53)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.