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UNB Union Bankshares Inc
- Stocks
- Financial Services
- NASDAQ: UNB
Price (delayed)
$25.91
Market cap
$117.6M
P/E Ratio
13.22
Dividend/share
$1.44
EPS
$1.96
Enterprise value
$352.9M
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 10% year-on-year and by 5% since the previous quarter
The debt has soared by 54% YoY but it has decreased by 7% from the previous quarter
UNB's price to earnings (P/E) is 27% more than its 5-year quarterly average of 10.4 but 2.1% less than its last 4 quarters average of 13.5
UNB's net income is down by 17% YoY
Union Bankshares's EPS has decreased by 17% YoY
Key stats
What are the main financial stats of UNB
Market
Valuations
Earnings
Shares outstanding
4.54M
Market cap
$117.6M
Enterprise value
$352.9M
Price to earnings (P/E)
13.22
Price to book (P/B)
1.68
Price to sales (P/S)
2.46
EV/EBIT
38.36
EV/EBITDA
32.82
EV/Sales
7.38
Revenue
$47.83M
Gross profit
$47.83M
Operating income
$9.2M
Net income
$8.85M
EBIT
$9.2M
EBITDA
$10.75M
Free cash flow
$13.55M
Per share
Balance sheet
Liquidity
EPS
$1.96
EPS diluted
$1.94
Free cash flow per share
$2.99
Book value per share
$15.44
Revenue per share
$10.54
TBVPS
$335.99
Total assets
$1.52B
Total liabilities
$1.45B
Debt
$256.98M
Equity
$70.07M
Working capital
N/A
Debt to equity
3.67
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
21.88
Margins
Efficiency
Dividend
EBITDA margin
22.5%
Gross margin
100%
Net margin
18.5%
Operating margin
19.2%
Return on assets
0.6%
Return on equity
13%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
19.2%
Dividend yield
5.56%
DPS
$1.44
Payout ratio
73.5%
UNB stock price
How has the Union Bankshares stock price performed over time
Intraday
-3.75%
1 week
-7.96%
1 month
-19.03%
1 year
19.95%
YTD
-10.38%
QTD
-17.67%
Financial performance
How have Union Bankshares's revenue and profit performed over time
Revenue
$47.83M
Gross profit
$47.83M
Operating income
$9.2M
Net income
$8.85M
Gross margin
100%
Net margin
18.5%
Union Bankshares's operating margin has decreased by 24% YoY
The operating income has contracted by 23% YoY
UNB's net income is down by 17% YoY
The net margin has decreased by 17% YoY
Price vs fundamentals
How does UNB's price correlate with its fundamentals
Growth
What is Union Bankshares's growth rate over time
Valuation
What is Union Bankshares stock price valuation
P/E
13.22
P/B
1.68
P/S
2.46
EV/EBIT
38.36
EV/EBITDA
32.82
EV/Sales
7.38
UNB's price to earnings (P/E) is 27% more than its 5-year quarterly average of 10.4 but 2.1% less than its last 4 quarters average of 13.5
Union Bankshares's EPS has decreased by 17% YoY
The equity has increased by 10% year-on-year and by 5% since the previous quarter
UNB's P/B is 7% less than its 5-year quarterly average of 1.8 and 7% less than its last 4 quarters average of 1.8
UNB's P/S is 5% below its last 4 quarters average of 2.6
Efficiency
How efficient is Union Bankshares business performance
The return on invested capital has declined by 38% year-on-year
Union Bankshares's ROE has decreased by 28% YoY
The ROA has declined by 25% year-on-year
Union Bankshares's return on sales has decreased by 24% YoY
Dividends
What is UNB's dividend history
DPS
$1.44
Dividend yield
5.56%
Payout ratio
73.5%
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
The total assets has grown by 8% YoY
Union Bankshares's total liabilities has increased by 7% YoY
The debt has soared by 54% YoY but it has decreased by 7% from the previous quarter
The debt to equity has grown by 40% YoY but it has contracted by 12% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.