- Overview
- Key stats
- Stock price
- Financial performance
- Growth
- Valuations
- Efficiency
- Dividends
- Financial health
- Stocks
- Financial Services
- NASDAQ: UNB
Price (delayed)
$33.9
Market cap
$153.86M
P/E Ratio
17.47
Dividend/share
$1.44
EPS
$1.94
Enterprise value
$404.53M
Union Bank, a wholly-owned subsidiary of Union Bankshares, Inc., has been helping people buy homes and local businesses create jobs in area communities since 1891. Headquartered in Morrisville, VT, Union ...
Highlights
UNB's price to earnings (P/E) is 73% more than its 5-year quarterly average of 10.1 and 38% more than its last 4 quarters average of 12.7
UNB's net income is down by 22% YoY
Key stats
What are the main financial stats of UNB
MarketValuationsEarnings
Shares outstanding
4.54M
Market cap
$153.86M
Enterprise value
$404.53M
Price to earnings (P/E)
17.47
Price to book (P/B)
2.31
Price to sales (P/S)
3.25
EV/EBIT
44.31
EV/EBITDA
37.73
EV/Sales
8.58
Revenue
$47.16M
Gross profit
$47.16M
Operating income
$9.13M
Net income
$8.76M
EBIT
$9.13M
EBITDA
$10.72M
Free cash flow
$11.13M
Per shareBalance sheetLiquidity
EPS
$1.94
EPS diluted
$1.92
Free cash flow per share
$2.46
Book value per share
$14.69
Revenue per share
$10.42
TBVPS
$337.79
Total assets
$1.53B
Total liabilities
$1.46B
Debt
$275.97M
Equity
$66.48M
Working capital
N/A
Debt to equity
4.15
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
23.38
MarginsEfficiencyDividend
EBITDA margin
22.7%
Gross margin
100%
Net margin
18.6%
Operating margin
19.4%
Return on assets
0.6%
Return on equity
13.1%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
19.4%
Dividend yield
4.25%
DPS
$1.44
Payout ratio
74.2%
UNB stock price
How has the Union Bankshares stock price performed over time
Intraday
1.53%
1 week
-2.67%
1 month
12.55%
1 year
25.6%
YTD
17.26%
QTD
7.72%
Financial performance
How have Union Bankshares's revenue and profit performed over time
Revenue
$47.16M
Gross profit
$47.16M
Operating income
$9.13M
Net income
$8.76M
Gross margin
100%
Net margin
18.6%
UNB financials
The operating income has contracted by 29% YoY and by 2.3% from the previous quarter
Union Bankshares's operating margin has decreased by 27% YoY and by 3.5% from the previous quarter
UNB's net income is down by 22% YoY
The net margin has decreased by 20% YoY and by 2.1% from the previous quarter
Price vs fundamentals
Earnings waterfall
Growth
What is Union Bankshares's growth rate over time
UNB growth chart
Valuation
What is Union Bankshares stock price valuation
P/E
17.47
P/B
2.31
P/S
3.25
EV/EBIT
44.31
EV/EBITDA
37.73
EV/Sales
8.58
Valuation vs average
Price to earnings (P/E)
UNB's price to earnings (P/E) is 73% more than its 5-year quarterly average of 10.1 and 38% more than its last 4 quarters average of 12.7
Union Bankshares's EPS has decreased by 22% YoY
Price to book (P/B)
UNB's P/B is 28% more than its 5-year quarterly average of 1.8 and 28% more than its last 4 quarters average of 1.8
The equity has declined by 8% since the previous quarter
Price to sales (P/S)
UNB's P/S is 30% above its 5-year quarterly average of 2.5 and 25% above its last 4 quarters average of 2.6
The revenue is down by 2.3% year-on-year
Efficiency
How efficient is Union Bankshares business performance
The return on invested capital has declined by 44% year-on-year and by 17% since the previous quarter
Union Bankshares's ROE has decreased by 32% YoY
Union Bankshares's return on sales has decreased by 27% YoY and by 3.5% QoQ
The ROA has declined by 25% year-on-year
Dividends
What is UNB's dividend history
DPS
$1.44
Dividend yield
4.25%
Payout ratio
74.2%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Union Bankshares financials performed over time
Assets vs liabilities
The total assets is 4.5% more than the total liabilities
The total assets has grown by 4% YoY
Union Bankshares's total liabilities has increased by 4.2% YoY
Debt vs equity
The debt to equity has grown by 17% from the previous quarter
The equity has declined by 8% since the previous quarter
Balance sheet
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.