ROARABLE
Today ⌘ Pro Terminal Big Ideas 🎲 Predictions Screener 🦋 Butterfly 8 Analysts 🏛️ Policy 🎬 Video ★ Watchlist 🎲 Prediction Markets 📊 RQD Track Record 📅 Next Catalysts 🛡️ Overlap & Crash X-Ray 📰 Live Wire 🐋 13F Whales 🏛️ Congress & CEO Buys 🏆 $100K Arena ⌘ Pro Terminal 📐 Methodology & Corrections
Stock Ratings / Financials / UNB / forecast
OPHC (69) BOTJ (59) PNBK (36) FUSB (66) ⌘ Pro Terminal →

Union Bankshares Inc. (UNB) 12-Month Stock Forecast & Price Target Cone

$22.83 -1.89% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.71

Union Bankshares Inc. (UNB) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →
ROARABLE C • HOLD / WATCH Cap $116.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UNB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UNB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-02, Union Bankshares Inc. (NASDAQ: UNB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $22.83 (-1.89% 1D, market cap $116.9M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, UNB ranks #296 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UNB compare to OPHC and BOTJ in the Financials sector?
▼

Within the Financials sector (Major Banks), UNB carries a Roarable C (65/100 RQD), trailing P/E of 10.5x, gross margin of —, and ROIC of 13.7%. By comparison, OPHC (OptimumBank Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 6.9x, ROIC 13.7%, cap $115.1M) and BOTJ (Bank of the James Financial Group Inc.) posts a C- grade (59/100 RQD, P/E 11.9x, ROIC 11.3%, cap $107.5M). Among the 5-stock peer group, OPHC leads on earnings multiple (6.9x) while UNB leads on capital efficiency (13.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UNB?
▼

Per UNB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000706863), Union Bankshares Inc. generated $0 in revenue, $11.1M in net income, and $16.0M in free cash flow against $1.62B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $22.71 (-0.53%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 0.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C
Cash (16)Whales (7)SEC (13)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+3.2% Base Target
$28 Bull$24 Base$18 Bear
📬 FREE UNB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UNB)Realized 20D OHLCV Swing Band: ±3.7%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY UNB SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+16/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 0.4% FCF Margin ($16.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
73
Grade B$22.90+0.4% Next Q
Q2 (-2Q)
70
Grade B$23.00+0.2% Next Q
Q3 (-1Q)
68
Grade B-$23.04-0.9% Next Q
Current
65
Grade C$22.83+1.3% Hist 90D α
Trajectory: B (73) → C (65)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UNB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, UNB faces multiple-compression risk if 10.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($23.39) or 200D SMA ($23.96) invalidates the momentum regime and cuts Target Base ($23.55) toward Bear Floor ($18.37).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UNB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “UNB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your UNB Position Size: $10,000

Shares at $22.83: 438.0 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $18.37
$8,046
$-1,954 (-19.5%)
12M Consensus BaseTarget $23.55
$10,315
+$315 (+3.2%)
12M Bull Case BreakoutTarget $27.79
$12,173
+$2,173 (+21.7%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$2474%A
Goldman SachsSector Coverage LeadBUY$2669%B
JP MorganUS Large-Cap ResearchHOLD$2158%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (UNB Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
UNB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -7.53%⚡ TESTING RESISTANCE
2026-10-30O $23.35H $23.35L $22.83C $22.83VOL 1.7K
RES: $22.80SUP: $22.70SMA50: $23.39SMA200: $23.96
$26.67$25.60$24.54$23.48$22.42RES $22.80SUP $22.70$22.832026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UNB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UNB Butterfly Map → + Track UNB →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
-0.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UNB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UNB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for UNB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UNB)

Financials Rank #296 of 1096 ⚔️ OPHC vs UNB Full Matrix →

1. Head-to-Head Financials Peer Comparison (UNB vs. OPHC, BOTJ, PNBK, FUSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Union Bankshares Inc. (UNB) ranks #296 by composite RQD confidence (65/100, grade C) and #946 by equity capitalization ($116.9M). Within this direct 5-issuer industry benchmark cohort, OPHC leads on earnings valuation at 6.9x trailing P/E, while UNB leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. OPHC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with UNB at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
UNB ACTIVE
Union Bankshares Inc.
C 65/100 10.5x — 13.7% -1.89% $116.9M Benchmark Subject
OPHC
OptimumBank Holdings Inc.
C+ 69/100 6.9x — 13.7% +0.33% $115.1M /ophc-vs-unb →
BOTJ
Bank of the James Financial Group Inc.
C- 59/100 11.9x — 11.3% +0.38% $107.5M /botj-vs-unb →
PNBK
Patriot National Bancorp Inc.
D- 36/100 — — -13.4% -1.31% $100.2M /pnbk-vs-unb →
FUSB
First US Bancshares Inc.
C+ 66/100 15.3x — 5.7% -0.66% $91.4M /fusb-vs-unb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000706863

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Union Bankshares Inc. (UNB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $11.1M, operating cash flow of $17.2M, and free cash flow of $16.0M (+44.2% YoY). On the balance sheet, UNB closed FY2025 with $1.62B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 $11.1M $17.2M $16.0M $1.62B —
FY2024 (FY) 2024-12-31 $0 $8.8M $12.2M $11.1M $1.53B —
FY2023 (FY) 2023-12-31 $0 $11.3M $9.2M $9.2M — —

3. UNB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UNB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Union Bankshares Inc. (NASDAQ: UNB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $22.83 (-1.89% 1D, market cap $116.9M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, UNB ranks #296 in composite RQD confidence.

How does UNB compare to OPHC and BOTJ in the Financials sector?

Within the Financials sector (Major Banks), UNB carries a Roarable C (65/100 RQD), trailing P/E of 10.5x, gross margin of —, and ROIC of 13.7%. By comparison, OPHC (OptimumBank Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 6.9x, ROIC 13.7%, cap $115.1M) and BOTJ (Bank of the James Financial Group Inc.) posts a C- grade (59/100 RQD, P/E 11.9x, ROIC 11.3%, cap $107.5M). Among the 5-stock peer group, OPHC leads on earnings multiple (6.9x) while UNB leads on capital efficiency (13.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UNB?

Per UNB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000706863), Union Bankshares Inc. generated $0 in revenue, $11.1M in net income, and $16.0M in free cash flow against $1.62B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UNB trading relative to its 50-day, 200-day, and 52-week technical levels?

UNB last traded at $22.83 (-1.89% on volume of 1,659 shares), positioning the stock -2.39% below its 50-day simple moving average ($23.39) and -4.72% below its 200-day simple moving average ($23.96). Across its 52-week range of $20.65 to $26.41, UNB sits at the 37.8% percentile with a 14-day RSI of 42.8 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($21.99 to $23.67).

UNB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is UNB's 12-month stock price target?

Union Bankshares Inc. (UNB) carries a 12-month consensus base price target of $23.55 (+3.2% from $22.83), with a bull-case target of $27.79 and a bear-case floor of $18.37.

Is UNB stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates UNB C (Hold — HOLD) with an RQD Confidence score of 65/100.

Direct Sub-Reports: UNB RQD Cockpit UNB 12M Forecast UNB Earnings & Move UNB Dividends & DRIP UNB Insiders & 13F UNB Whale Options UNB Profit Sankey UNB News & Why
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

UNB — Union Bankshares Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:43:28Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, UNB scores 65 out of 100, a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

  • Fundamental Cash Engine: 16 / 20. Per the Roarable RQD rating, this pillar reflects an ROIC of 13.7% and an FCF yield of 13.67%. For a prospective investor, these are the strongest cash-generation signals in the rating, suggesting the business converts capital into returns at a rate the rating treats as favorable.
  • Whale 13F Flow: 7 / 20. Per the Roarable RQD rating, this pillar covers institutional accumulation and options positioning. The low score indicates limited institutional tailwind; an investor should not assume large-holder conviction is supporting the stock.
  • Insider Conviction: 17 / 20. Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. It is the highest-scoring pillar, pointing to insider-related activity the rating views as constructive, though the underlying trade detail is not included in the source data.
  • Macro Regime Fit: 12 / 20. Per the Roarable RQD rating, beta is 1.0 with sector sensitivity noted. The moderate score implies the stock moves roughly in line with the market and is not a defensive or high-volatility outlier.
  • Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, the Altman Z-Score is 2.5, Piotroski F-Score is 5/9, and Debt/Equity is 0.5. These are middling readings: the Z-Score and F-Score do not signal distress or strength decisively.

Taken together, the pillars show a stock with solid cash-return metrics and strong insider-flow signals, offset by weak institutional flow and only moderate balance-sheet and macro readings. Per the market data, the stock trades at a P/E (TTM) of 10.5 and a forward P/E of 9.8, with a dividend yield of 5.61%. Valuation tradeoffs, the sensitivity of a small-cap regional bank to sector conditions, and the limited institutional support are the central considerations. Upside depends on the cash-return and insider signals persisting; downside risk is tied to the weaker institutional and macro readings. This is an analytical summary, not personalized financial advice.

Business

Union Bankshares Inc. is a NASDAQ-listed issuer in the Financials sector, Major Banks industry, per the profile. Per the market data, its market capitalization is $116.9M. The source data does not describe its products, customer base, or revenue model beyond this classification.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$11.1MN/A$16.0MN/AN/A
FY 2024$0.0M$0.0M$8.8MN/A$11.1MN/AN/A
FY 2023$0.0M$0.0M$11.3MN/A$9.2MN/AN/A

Per the SEC financials, reported net income was $11.1M for FY 2025, $8.8M for FY 2024, and $11.3M for FY 2023, with free cash flow of $16.0M, $11.1M, and $9.2M respectively. Revenue and operating income are reported as $0.0M and cash and debt as N/A, so margin analysis is not available in source data. Per the market data, gross, operating, and net margins are each listed as 0%, which the source does not explain and which should not be read as a precise margin figure. Per the market data, ROIC is 13.7%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 5/9, placing the balance sheet in the middle of the rating's range, with Debt/Equity of 0.5.

Recent Catalysts & News Wire Analysis

Per the recent news feed, the items are:

  • "Union Bankshares (UNB) Stock Shrugs Off Q3 Earnings As Reserve Risk Lingers" (Yahoo Finance), flagged RED / RISK WATCH. The headline points to reserve risk as an ongoing concern.
  • "Recent Results From Union Bankshares Support Neutral Rating" (Seeking Alpha), flagged YELLOW / MARKET WIRE.
  • "Union Bankshares, Inc. Estimates – NASDAQ:UNB" (TradingView), flagged YELLOW / MARKET WIRE.
  • "A 36-cent dividend is due Nov. 5 to Union Bankshares shareholders." (Stock Titan), flagged YELLOW / MARKET WIRE. This is the only dated catalyst in the feed.
  • "Union Bankshares: Q3 Earnings Snapshot" (Yahoo Finance), flagged YELLOW / MARKET WIRE.
  • "Union Bankshares Q3 Net Income Rises to $3.8 Million" (Quiver Quantitative), flagged YELLOW / MARKET WIRE. This is the only quantified Q3 figure in the feed.

Per the butterfly supply-chain graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. The news flow is mixed: one RED risk-watch item on reserve risk, a Q3 net income increase to $3.8 million, and a dividend payment date of Nov. 5 for a 36-cent dividend.

Open Questions

  • What is the nature of the reserve risk flagged in the RED-rated news item, and how large is it relative to earnings?
  • What are the underlying SEC Form 4 and Congressional PTR trades behind the insider-conviction score of 17 / 20?
  • Why are revenue, operating income, EPS, cash, and debt reported as $0.0M or N/A in the financials, and what are the true figures?
  • What explains the 0% gross, operating, and net margins reported in the market data?
  • What is the institutional holder base, given the 7 / 20 whale 13F flow pillar and the absence of holder data?

UNB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Union Bankshares Inc. (UNB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to UNB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UNB Bull vs. Bear Conversation Board — What's Your Call at $22.83?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UNB 🐻 50% BEARISH CONVICTION
1. Pick Your Side on UNB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $24.66 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is UNB (C • RQD 65/100) a Buy at $22.83?

Welcome to the UNB (Union Bankshares Inc.) Roar Pit. Current RQD Composite is 65/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to capital efficiency (13.7% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

VA ValDiscipline Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $18.26 (-20.0%)
Spot @ $22.83

Pump the brakes on UNB — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on UNB, but look at what you are paying: 10.5x trailing P/E with tightening sector spreads. Unless Union Bankshares Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $29.22 (+28.0%)
Spot @ $22.83

UNB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on UNB, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $22.83 (52-wk range $20.65 - $26.41), any beat on forward guidance forces shorts and underweight funds to chase.

LIVE TAPE SPY $755.72 -0.38% QQQ $690.49 -1.44% DIA $517.13 -0.37% IWM $279.33 +0.96% NVDA $204.64 -4.22% AAPL $344.63 -1.23% MSFT $521.91 -1.55% TSLA $399.81 -0.86% PLTR $184.11 -6.27% SOFI $16.76 -4.83% IBIT $43.36 -0.94% GLD $355.78 -1.34%