Start with its own history
At 9.09×, UNB is 43.8% below its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
NASDAQ · UNBBanks - RegionalUpdated Nov 2, 2026
Union Bankshares, Inc. P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
9.09×
43.8% belowthe 10-year annual average
Share price23.01
÷Earnings per share2.53
Price and EPS in quote currency. Calculation details
Investors are paying 9.09 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 16.19×
3-year average12.31×3 positive annual observations
5-year average11.12×5 positive annual observations
10-year average16.19×10 positive annual observations
Peer median · TTM13.11×7 peers with positive P/E
Historical P/E ratios
Annual period-end data · 25 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 9.77× | -34.5% |
| Dec 31, 2024 | 14.90× | +21.6% |
| Dec 31, 2023 | 12.26× | +43.5% |
| Dec 31, 2022 | 8.54× | -15.8% |
| Dec 31, 2021 | 10.15× | +12.9% |
| Dec 31, 2020 | 8.99× | -41.0% |
| Dec 31, 2019 | 15.24× | -49.6% |
| Dec 31, 2018 | 30.22× | +7.9% |
View all 25 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 28.02× | +17.7% |
| Dec 31, 2016 | 23.80× | +50.9% |
| Dec 31, 2015 | 15.77× | +14.9% |
| Dec 31, 2014 | 13.73× | -4.5% |
| Dec 31, 2013 | 14.38× | +13.3% |
| Dec 31, 2012 | 12.69× | -22.0% |
| Dec 31, 2011 | 16.27× | +11.8% |
| Dec 31, 2010 | 14.55× | +0.4% |
| Dec 31, 2009 | 14.49× | -1.1% |
| Dec 31, 2008 | 14.65× | -10.1% |
| Dec 31, 2007 | 16.30× | +0.4% |
| Dec 31, 2006 | 16.22× | -2.5% |
| Dec 31, 2005 | 16.64× | -11.1% |
| Dec 31, 2004 | 18.71× | -16.5% |
| Dec 31, 2003 | 22.42× | +3.3% |
| Dec 31, 2002 | 21.70× | +48.4% |
| Dec 31, 2001 | 14.62× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How UNB compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 UNB This stockUnion Bankshares, Inc. | 9.09× |
 MGYRMagyar Bancorp, Inc. | 11.26× |
 SFBCSound Financial Bancorp, Inc. | 13.11× |
 FGBIFirst Guaranty Bancshares, Inc. | 9.04× |
 SBFGSB Financial Group, Inc. | 11.87× |
 RVSBRiverview Bancorp, Inc. | N/M |
 AFBIAffinity Bancshares, Inc. | 16.31× |
 LSBKLake Shore Bancorp, Inc. | 16.96× |
 SRBKSR Bancorp, Inc. Common stock | 37.20× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does UNB’s P/E tell you?
Compare like with like
The median of the 7 positive peer ratios above is 13.11×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take UNB into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("UNB", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 23.01 ÷ EPS 2.53 = 9.09×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 2, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
UNB P/E ratio: common questions
The essentials behind the numbers.
Union Bankshares, Inc.'s current P/E is 9.09× based on the quote data last updated Nov 2, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.