B+
Bull case
25%
Probability
Target price
$27.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
UNB
Union BanksharesBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Q3 net income rose to $3.8 million from $3.4 million, helped by higher net interest income and lower credit-loss expense. The declared dividend is $0.36 per share.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.3.
What can break
Brokered deposits increased to $110.8 million from $65.3 million year over year, raising funding-mix sensitivity. [#SEC-8K-2026-10-21]
Momentum
47
Value
63
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $24.00 · Bull $27.00 · Bear $18.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-27
Investment thesis
As of 2026-10-27
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum47 · Δ7d -
Value63 · Δ7d -0.3
Sentiment56 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta -0.3.
Contradictions & invalidation
- • Brokered deposits increased to $110.8 million from $65.3 million year over year, raising funding-mix sensitivity. [#SEC-8K-2026-10-21]
- • Q3 noninterest income fell $507,000 and noninterest expenses rose $269,000 year over year. [#SEC-8K-2026-10-21]
- • Higher brokered deposits, weaker noninterest income, increased expenses, and securities-related accumulated losses complicate the earnings improvement.
Catalyst clock
2026-11-05
Declared quarterly dividend
Lead driver: Value · See fundamentals
Momentum
47
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
63
47% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-0.3
Sentiment
56
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 46.6 / Value 63.1 / Sentiment 55.8
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$18.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-27
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$115.98M
Beta
0.40
Shares Out
4.95M
P/E (TTM)
9.7
P/S (TTM)
2.05
P/FCF (TTM)
8.99
Rev YoY
+6.7%
EPS YoY
+15.7%
Gross Margin
-
Op Margin
+14.6%
Net Debt
$300.52M
Current Ratio
0.19
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data