UNB Union Bankshares Inc

Price (delayed)

$22.29

Market cap

$100.19M

P/E Ratio

7.88

Dividend/share

$1.4

EPS

$2.83

Enterprise value

$77.14M

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
UNB's price to earnings (P/E) is 55% less than its 5-year quarterly average of 17.0 and 24% less than its last 4 quarters average of 10.2
The debt has soared by 126% YoY
The equity has declined by 27% year-on-year and by 14% since the previous quarter

Key stats

What are the main financial stats of UNB
Market
Shares outstanding
4.49M
Market cap
$100.19M
Enterprise value
$77.14M
Valuations
Price to earnings (P/E)
7.88
Price to book (P/B)
1.67
Price to sales (P/S)
2.06
EV/EBIT
5.06
EV/EBITDA
4.52
EV/Sales
1.58
Earnings
Revenue
$48.67M
EBIT
$15.25M
EBITDA
$17.07M
Free cash flow
$46.99M
Per share
EPS
$2.83
Free cash flow per share
$10.46
Book value per share
$13.33
Revenue per share
$10.83
TBVPS
$265.22
Balance sheet
Total assets
$1.19B
Total liabilities
$1.13B
Debt
$16.19M
Equity
$59.95M
Working capital
N/A
Liquidity
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.35
Margins
EBITDA margin
35.1%
Gross margin
100%
Net margin
26.1%
Operating margin
31.3%
Efficiency
Return on assets
1.1%
Return on equity
17.1%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
31.3%
Dividend
Dividend yield
6.28%
DPS
$1.4
Payout ratio
49.5%

UNB stock price

How has the Union Bankshares stock price performed over time
Intraday
1.27%
1 week
-1.02%
1 month
-15.66%
1 year
-29.24%
YTD
-25.28%
QTD
-14.76%

Financial performance

How have Union Bankshares's revenue and profit performed over time
Revenue
$48.67M
Gross profit
$48.67M
Operating income
$15.25M
Net income
$12.72M
Gross margin
100%
Net margin
26.1%
The net margin has decreased by 9% YoY
UNB's net income is down by 8% YoY
The operating income has contracted by 8% YoY
Union Bankshares's operating margin has decreased by 8% YoY

Growth

What is Union Bankshares's growth rate over time

Valuation

What is Union Bankshares stock price valuation
P/E
7.88
P/B
1.67
P/S
2.06
EV/EBIT
5.06
EV/EBITDA
4.52
EV/Sales
1.58
UNB's price to earnings (P/E) is 55% less than its 5-year quarterly average of 17.0 and 24% less than its last 4 quarters average of 10.2
Union Bankshares's EPS has decreased by 8% YoY
UNB's P/B is 32% less than its 5-year quarterly average of 2.4 and 9% less than its last 4 quarters average of 1.8
The equity has declined by 27% year-on-year and by 14% since the previous quarter
UNB's P/S is 50% below its 5-year quarterly average of 4.0 and 25% below its last 4 quarters average of 2.7

Efficiency

How efficient is Union Bankshares business performance
The return on invested capital has declined by 24% year-on-year and by 7% since the previous quarter
The ROA has declined by 15% year-on-year
Union Bankshares's return on sales has decreased by 8% YoY
Union Bankshares's ROE has increased by 7% from the previous quarter

Dividends

What is UNB's dividend history
DPS
$1.4
Dividend yield
6.28%
Payout ratio
49.5%
Recent dividends

Financial health

How did Union Bankshares financials performed over time
The total assets is 5% more than the total liabilities
Union Bankshares's total liabilities has increased by 15% YoY but it has decreased by 2.8% from the previous quarter
The total assets has grown by 12% YoY but it has contracted by 3.4% from the previous quarter
The debt is 73% less than the equity
The debt to equity has soared by 200% YoY and by 17% from the previous quarter
The debt has soared by 126% YoY

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