UNB Union Bankshares Inc

Price (delayed)

$25.825

Market cap

$116.71M

P/E Ratio

10.9

Dividend/share

$1.44

EPS

$2.37

Enterprise value

$246.56M

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 5% year-on-year but it has declined by 3% since the previous quarter
The debt has soared by 172% YoY and by 104% from the previous quarter
Union Bankshares's EPS has decreased by 19% YoY and by 5% QoQ

Key stats

What are the main financial stats of UNB
Market
Shares outstanding
4.52M
Market cap
$116.71M
Enterprise value
$246.56M
Valuations
Price to earnings (P/E)
10.9
Price to book (P/B)
1.83
Price to sales (P/S)
2.44
EV/EBIT
20.51
EV/EBITDA
18.03
EV/Sales
5.15
Earnings
Revenue
$47.87M
EBIT
$12.02M
EBITDA
$13.67M
Free cash flow
$6.86M
Per share
EPS
$2.37
Free cash flow per share
$1.52
Book value per share
$14.12
Revenue per share
$10.59
TBVPS
$313.68
Balance sheet
Total assets
$1.42B
Total liabilities
$1.35B
Debt
$166.94M
Equity
$63.82M
Working capital
N/A
Liquidity
Debt to equity
2.62
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
9.5
Margins
EBITDA margin
28.6%
Gross margin
100%
Net margin
22.3%
Operating margin
25.1%
Efficiency
Return on assets
0.8%
Return on equity
18%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
25.1%
Dividend
Dividend yield
5.58%
DPS
$1.44
Payout ratio
60.8%

UNB stock price

How has the Union Bankshares stock price performed over time
Intraday
-0.29%
1 week
11.6%
1 month
16.96%
1 year
15.81%
YTD
-15.74%
QTD
20.23%

Financial performance

How have Union Bankshares's revenue and profit performed over time
Revenue
$47.87M
Gross profit
$47.87M
Operating income
$12.02M
Net income
$10.7M
Gross margin
100%
Net margin
22.3%
The operating income has contracted by 24% YoY and by 7% from the previous quarter
Union Bankshares's operating margin has decreased by 21% YoY and by 6% from the previous quarter
UNB's net income is down by 18% YoY and by 5% from the previous quarter
The net margin has decreased by 15% YoY and by 4.3% from the previous quarter

Growth

What is Union Bankshares's growth rate over time

Valuation

What is Union Bankshares stock price valuation
P/E
10.9
P/B
1.83
P/S
2.44
EV/EBIT
20.51
EV/EBITDA
18.03
EV/Sales
5.15
Union Bankshares's EPS has decreased by 19% YoY and by 5% QoQ
UNB's price to earnings (P/E) is 5% more than its 5-year quarterly average of 10.4 and 5% more than its last 4 quarters average of 10.4
UNB's P/B is 9% less than its last 4 quarters average of 2.0
The equity has increased by 5% year-on-year but it has declined by 3% since the previous quarter
UNB's P/S is 6% below its 5-year quarterly average of 2.6 and 2% below its last 4 quarters average of 2.5
The revenue is down by 4% year-on-year

Efficiency

How efficient is Union Bankshares business performance
The return on invested capital has declined by 33% year-on-year and by 11% since the previous quarter
Union Bankshares's ROE has decreased by 23% YoY and by 6% from the previous quarter
Union Bankshares's return on sales has decreased by 21% YoY and by 6% QoQ
The ROA has declined by 20% year-on-year

Dividends

What is UNB's dividend history
DPS
$1.44
Dividend yield
5.58%
Payout ratio
60.8%
Recent dividends

Financial health

How did Union Bankshares financials performed over time
The total assets is 4.7% more than the total liabilities
Union Bankshares's total liabilities has increased by 4% YoY but it has decreased by 3.5% from the previous quarter
The total assets has grown by 4.1% YoY but it has contracted by 3.5% from the previous quarter
The debt is 162% more than the equity
The debt has soared by 172% YoY and by 104% from the previous quarter
The debt to equity has soared by 159% YoY and by 110% from the previous quarter

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