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Price (delayed)
$28.99
Market cap
$131.15M
P/E Ratio
13.06
Dividend/share
$1.44
EPS
$2.22
Enterprise value
$350.05M
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
The equity has increased by 8% year-on-year
The debt has soared by 93% YoY and by 58% from the previous quarter
UNB's price to earnings (P/E) is 32% more than its 5-year quarterly average of 9.9 and 21% more than its last 4 quarters average of 10.8
Key stats
What are the main financial stats of UNB
Market
Valuations
Earnings
Shares outstanding
4.52M
Market cap
$131.15M
Enterprise value
$350.05M
Price to earnings (P/E)
13.06
Price to book (P/B)
2.05
Price to sales (P/S)
2.76
EV/EBIT
31.91
EV/EBITDA
27.74
EV/Sales
7.36
Revenue
$47.53M
EBIT
$10.97M
EBITDA
$12.62M
Free cash flow
$6.33M
Per share
Balance sheet
Liquidity
EPS
$2.22
Free cash flow per share
$1.4
Book value per share
$14.17
Revenue per share
$10.51
TBVPS
$309.27
Total assets
$1.4B
Total liabilities
$1.33B
Debt
$263.35M
Equity
$64.05M
Working capital
N/A
Debt to equity
4.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
17.35
Margins
Efficiency
Dividend
EBITDA margin
26.6%
Gross margin
100%
Net margin
21.1%
Operating margin
23.1%
Return on assets
0.7%
Return on equity
16.5%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
23.1%
Dividend yield
4.97%
DPS
$1.44
Payout ratio
64.9%
UNB stock price
How has the Union Bankshares stock price performed over time
Intraday
1.72%
1 week
8.58%
1 month
7.33%
1 year
15.77%
YTD
-5.42%
QTD
11.8%
Financial performance
How have Union Bankshares's revenue and profit performed over time
Revenue
$47.53M
Gross profit
$47.53M
Operating income
$10.97M
Net income
$10.02M
Gross margin
100%
Net margin
21.1%
The operating income has contracted by 29% YoY and by 9% from the previous quarter
Union Bankshares's operating margin has decreased by 25% YoY and by 8% from the previous quarter
UNB's net income is down by 22% YoY and by 6% from the previous quarter
The net margin has decreased by 18% YoY and by 5% from the previous quarter
Growth
What is Union Bankshares's growth rate over time
Valuation
What is Union Bankshares stock price valuation
P/E
13.06
P/B
2.05
P/S
2.76
EV/EBIT
31.91
EV/EBITDA
27.74
EV/Sales
7.36
UNB's price to earnings (P/E) is 32% more than its 5-year quarterly average of 9.9 and 21% more than its last 4 quarters average of 10.8
Union Bankshares's EPS has decreased by 23% YoY and by 6% QoQ
UNB's P/B is 14% more than its 5-year quarterly average of 1.8 and 8% more than its last 4 quarters average of 1.9
The equity has increased by 8% year-on-year
UNB's P/S is 15% above its last 4 quarters average of 2.4 and 6% above its 5-year quarterly average of 2.6
The revenue is down by 5% year-on-year
Efficiency
How efficient is Union Bankshares business performance
The return on invested capital has declined by 36% year-on-year and by 13% since the previous quarter
The ROA has declined by 30% year-on-year and by 13% since the previous quarter
Union Bankshares's ROE has decreased by 28% YoY and by 8% from the previous quarter
Union Bankshares's return on sales has decreased by 25% YoY and by 8% QoQ
Dividends
What is UNB's dividend history
DPS
$1.44
Dividend yield
4.97%
Payout ratio
64.9%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Union Bankshares financials performed over time
The total assets is 4.8% more than the total liabilities
Union Bankshares's total liabilities has increased by 4.6% YoY
The total assets has grown by 4.8% YoY
The debt has soared by 93% YoY and by 58% from the previous quarter
The debt to equity has soared by 77% YoY and by 57% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.