UNB Union Bankshares Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: UNB

Price (delayed)

$27.6

Market cap

$124.73M

P/E Ratio

11.04

Dividend/share

$1.44

EPS

$2.5

Enterprise value

$114.31M

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 34% since the previous quarter and by 19% year-on-year
The debt has increased by 24% YoY but it has decreased by 23% from the previous quarter
UNB's price to earnings (P/E) is 21% more than its last 4 quarters average of 9.1
Union Bankshares's EPS has decreased by 11% YoY and by 3.5% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.unionbankvt.com
Peers: EBTC NBTB BHB INDB

Key stats

What are the main financial stats of UNB
Market
Shares outstanding
4.52M
Market cap
$124.73M
Enterprise value
$114.31M
Valuations
Price to earnings (P/E)
11.04
Price to book (P/B)
1.89
Price to sales (P/S)
2.58
EV/EBIT
8.88
EV/EBITDA
7.88
EV/Sales
2.37
Earnings
Revenue
$48.25M
EBIT
$12.88M
EBITDA
$14.52M
Free cash flow
$7.26M
Per share
EPS
$2.5
Free cash flow per share
$1.61
Book value per share
$14.6
Revenue per share
$10.7
TBVPS
$325.89
Balance sheet
Total assets
$1.47B
Total liabilities
$1.4B
Debt
$81.94M
Equity
$65.81M
Working capital
N/A
Liquidity
Debt to equity
1.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.72
Margins
EBITDA margin
30.1%
Gross margin
100%
Net margin
23.3%
Operating margin
26.7%
Efficiency
Return on assets
0.8%
Return on equity
19.2%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
26.7%
Dividend
Dividend yield
5.22%
DPS
$1.44
Payout ratio
57.6%

UNB stock price

How has the Union Bankshares stock price performed over time
Intraday
-0.36%
1 week
-0.14%
1 month
-9.8%
1 year
23.43%
YTD
-9.95%
QTD
-9.51%

Financial performance

How have Union Bankshares's revenue and profit performed over time
Revenue
$48.25M
Gross profit
$48.25M
Operating income
$12.88M
Net income
$11.26M
Gross margin
100%
Net margin
23.3%
The operating income has contracted by 16% YoY and by 6% from the previous quarter
Union Bankshares's operating margin has decreased by 14% YoY and by 4.3% from the previous quarter
UNB's net income is down by 11% YoY and by 3.4% from the previous quarter
The net margin has decreased by 10% YoY and by 2.1% from the previous quarter

Growth

What is Union Bankshares's growth rate over time

Valuation

What is Union Bankshares stock price valuation
P/E
11.04
P/B
1.89
P/S
2.58
EV/EBIT
8.88
EV/EBITDA
7.88
EV/Sales
2.37
UNB's price to earnings (P/E) is 21% more than its last 4 quarters average of 9.1
Union Bankshares's EPS has decreased by 11% YoY and by 3.5% QoQ
The equity has increased by 34% since the previous quarter and by 19% year-on-year
UNB's P/B is 5% more than its 5-year quarterly average of 1.8
UNB's P/S is 17% above its last 4 quarters average of 2.2 but 4.4% below its 5-year quarterly average of 2.7

Efficiency

How efficient is Union Bankshares business performance
The return on invested capital has declined by 25% year-on-year and by 10% since the previous quarter
The ROA has declined by 20% year-on-year and by 11% since the previous quarter
Union Bankshares's return on sales has decreased by 14% YoY and by 4.3% QoQ
Union Bankshares's ROE has decreased by 11% YoY and by 8% from the previous quarter

Dividends

What is UNB's dividend history
Dividend details
DPS
$1.44
Dividend yield
5.22%
Payout ratio
57.6%
Recent dividends

Financial health

How did Union Bankshares financials performed over time
The total assets is 4.7% more than the total liabilities
The total assets has grown by 10% YoY and by 5% from the previous quarter
Union Bankshares's total liabilities has increased by 10% YoY and by 4.2% from the previous quarter
The debt is 25% more than the equity
The debt to equity has contracted by 42% from the previous quarter but it has grown by 4.2% YoY
The equity has increased by 34% since the previous quarter and by 19% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.