What is Union Bankshares Inc worth?
With the base-case assumptions below, a discounted cash flow model on Union Bankshares Inc's reported free cash flow gives $57.33 per share. The share price was $23.60 on September 25, 2026, 59% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -4.0% | 10.0% | $38.27 | +62% |
| Base | 1.0% | 9.0% | $57.33 | +143% |
| Bull | 6.0% | 8.0% | $92.91 | +294% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $70.60 | $74.60 | $79.47 | $85.57 | $93.41 |
| 8.0% | $60.74 | $63.33 | $66.39 | $70.06 | $74.55 |
| 9.0% | $53.52 | $55.29 | $57.33 | $59.71 | $62.53 |
| 10.0% | $47.99 | $49.25 | $50.68 | $52.31 | $54.19 |
| 11.0% | $43.63 | $44.55 | $45.59 | $46.75 | $48.06 |
Where the presets come from
Base: years 1 to 5 grow at Union Bankshares Inc's revenue growth rate over the last 2 fiscal years (1.1% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions