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Price (delayed)
$27.9
Market cap
$126.24M
P/E Ratio
14.31
Dividend/share
$1.44
EPS
$1.95
Enterprise value
$322.49M
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 47% year-on-year and by 13% since the previous quarter
The debt has soared by 140% YoY but it has decreased by 2.4% from the previous quarter
UNB's price to earnings (P/E) is 42% more than its 5-year quarterly average of 10.1 and 19% more than its last 4 quarters average of 12.0
Union Bankshares's EPS has decreased by 25% YoY and by 12% QoQ
Key stats
What are the main financial stats of UNB
Market
Valuations
Earnings
Shares outstanding
4.52M
Market cap
$126.24M
Enterprise value
$322.49M
Price to earnings (P/E)
14.31
Price to book (P/B)
1.75
Price to sales (P/S)
2.72
EV/EBIT
34.52
EV/EBITDA
29.35
EV/Sales
6.95
Revenue
$46.39M
Gross profit
$46.39M
Net income
$8.81M
EBIT
$9.34M
EBITDA
$10.99M
Free cash flow
$7.71M
Per share
Balance sheet
Liquidity
EPS
$1.95
EPS diluted
$1.94
Free cash flow per share
$1.7
Book value per share
$15.98
Revenue per share
$10.25
TBVPS
$335.85
Total assets
$1.52B
Total liabilities
$1.45B
Debt
$256.96M
Equity
$72.3M
Working capital
N/A
Debt to equity
3.55
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
17.86
Margins
Efficiency
Dividend
EBITDA margin
23.7%
Gross margin
100%
Net margin
19%
Operating margin
20.1%
Return on assets
0.6%
Return on equity
13.2%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
20.1%
Dividend yield
5.16%
DPS
$1.44
Payout ratio
73.8%
UNB stock price
How has the Union Bankshares stock price performed over time
Intraday
-6.53%
1 week
-18.01%
1 month
-10.29%
1 year
-9.09%
YTD
-8.97%
QTD
7.6%
Financial performance
How have Union Bankshares's revenue and profit performed over time
Revenue
$46.39M
Gross profit
$46.39M
Operating income
$9.34M
Net income
$8.81M
Gross margin
100%
Net margin
19%
The operating income has contracted by 32% YoY and by 15% from the previous quarter
Union Bankshares's operating margin has decreased by 28% YoY and by 13% from the previous quarter
UNB's net income is down by 24% YoY and by 12% from the previous quarter
The net margin has decreased by 20% YoY and by 10% from the previous quarter
Growth
What is Union Bankshares's growth rate over time
Valuation
What is Union Bankshares stock price valuation
P/E
14.31
P/B
1.75
P/S
2.72
EV/EBIT
34.52
EV/EBITDA
29.35
EV/Sales
6.95
UNB's price to earnings (P/E) is 42% more than its 5-year quarterly average of 10.1 and 19% more than its last 4 quarters average of 12.0
Union Bankshares's EPS has decreased by 25% YoY and by 12% QoQ
The equity has increased by 47% year-on-year and by 13% since the previous quarter
UNB's P/B is 8% less than its last 4 quarters average of 1.9 and 2.8% less than its 5-year quarterly average of 1.8
UNB's P/S is 4.6% above its 5-year quarterly average of 2.6 and 4.6% above its last 4 quarters average of 2.6
The revenue is down by 5% year-on-year and by 2.4% since the previous quarter
Efficiency
How efficient is Union Bankshares business performance
The return on invested capital has declined by 40% year-on-year and by 14% since the previous quarter
Union Bankshares's ROE has decreased by 37% YoY and by 20% from the previous quarter
The ROA has declined by 33% year-on-year and by 14% since the previous quarter
Union Bankshares's return on sales has decreased by 28% YoY and by 13% QoQ
Dividends
What is UNB's dividend history
DPS
$1.44
Dividend yield
5.16%
Payout ratio
73.8%
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 5% more than the total liabilities
The total assets has grown by 9% YoY and by 9% from the previous quarter
Union Bankshares's total liabilities has increased by 8% from the previous quarter and by 7% YoY
The debt has soared by 140% YoY but it has decreased by 2.4% from the previous quarter
The debt to equity has soared by 64% YoY but it has contracted by 14% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.