UNB

Union Bankshares, Inc. [UNB] Stock Forecast

Q: What is Union Bankshares, Inc. stock symbol ?

Union Bankshares, Inc. is a US stock, located in Morrisville of Vt and trading under the symbol UNB

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UNB Stock Summary

Earnings have grown 38.97% per last year.

Earnings are expected to fall -100% next year

Unstable dividend track record

EPS has been decreasing for the past 3 years (Yearly statements)

UNB has less than 1 year of cash runway

Debt-to-Equity ratio of 1.25 is considered moderate, deeper research suggested.

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In the News

07:22 16 Apr 2024 UNB

Union Bankshares: Uniting Growth And Sustainability Makes The Stock Enticing

Union Bankshares, Inc. had a nice start with its steady revenue growth and decent margins. Its excellent financial positioning remains one of its sturdy cornerstones.

02:06 16 Apr 2024 UNB

Union Bankshares: Highly Profitable Regional Bank With Attractive Dividend Yield

Union Bankshares has a multi-decade track record of delivering positive bottom-line results. The company is paying a well-covered dividend with a yield of almost 7%.

05:50 16 Apr 2024 UNB

Union Bankshares: Attractive Dividend Appears Secure Despite The Chances Of An Earnings Decline

Regional economic factors will drive loan growth. Higher interest rates will decrease the noninterest income as well as equity book value. Margin will be little affected by rate changes.

09:15 16 Apr 2024 UNB

Dividend Increases: January 15-21, 2022

09:12 16 Apr 2024 UNB

Cautious Dividend Investor Alert: 18 Banks With Decent Yields And Superior Risk-Adjusted Returns

I remain cautious about equity valuations. Bank valuations today are in line with historic averages.

04:55 16 Apr 2024 UNB

Union Bankshares Announces Completion of $16.5 Million Private Placement of Subordinated Notes

MORRISVILLE, Vt., Aug. 26, 2021 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) is pleased to announce that the Company has completed a private placement of $16.5 million in aggregate principal amount of fixed-to-floating rate subordinated notes due 2031 (the “Notes”) to certain qualified institutional buyers and accredited investors.

01:45 16 Apr 2024 UNB

Union Bankshares Announces Earnings for the three and six months ended June 30, 2021 and Declares Quarterly Dividend

MORRISVILLE, Vt., July 21, 2021 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) today announced results for the three and six months ended June 30, 2021 and declared a regular quarterly cash dividend. Consolidated net income for the three months ended June 30, 2021 were $3.0 million, or $0.67 per share, compared to $2.7 million, or $0.60 per share, for the same period in 2020 and $5.9 million, or $1.31 per share, for the six months ended June 30, 2021, compared to $4.9 million, or $1.09 per share, for the same period in 2020.

12:33 16 Apr 2024 UNB

Union Bankshares Announces Earnings for the three months ended March 31, 2021 and Declares Quarterly Dividend

MORRISVILLE, Vt., April 21, 2021 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) today announced results for the three months ended March 31, 2021 and declared a regular quarterly cash dividend. Consolidated net income for the first quarter was $2.9 million, or $0.64 per share compared to $2.2 million, or $0.49 cents per share, for the same period in 2020, an increase of $680 thousand, or 30.9%.

10:11 16 Apr 2024 UNB

Union Bankshares: Let This Small Bank Pay You Off

Strong 2020 performance despite the pandemic, with improving quality metrics.

02:43 16 Apr 2024 UNB

Union Bankshares Reports Record Earnings for the year ended December 31, 2020 and Declares Increase in Quarterly Dividend

MORRISVILLE, Vt., Jan. 20, 2021 (GLOBE NEWSWIRE) -- Union Bankshares, Inc. (NASDAQ - UNB) today announced results for the three months and year ended December 31, 2020. Net income was $3.8 million and $12.8 million for the three months and year ended December 31, 2020, resulting in earnings per share of $0.85 and $2.86 for the same periods, respectively.

UNB Financial details

Company Rating

Strong Buy

Market Cap

124.06M

Income

19.31M

Revenue

51.25M

Book val./share

14.56

Cash/share

62.74

Dividend

1.44

Dividend %

4.66%

Employees

197

Optionable

Shortable

Yes

Earnings

17 Apr 2024

P/E

11.98

Forward P/E

PEG

2.29

P/S

2.87

P/B

2.84

P/C

0.43

P/FCF

12.47

Quick Ratio

19.45

Current Ratio

4.95

Debt / Equity

1.25

LT Debt / Equity

1.09

EPS (TTM)

4.28

EPS next Y

EPS next Q

EPS this Y

-11.03%

EPS next Y

EPS next 5Y

EPS last 5Y

0.99%

Revenue last 5Y

10.57%

Revenue Q/Q

32.59%

EPS Q/Q

339.29%

SMA20

-6.67%

SMA50

-6.67%

SMA100

3.7%

Inst Own

10.39%

Inst Trans

0.96%

ROA

ROE

21%

ROC

0.01%

Gross Margin

100%

Oper. Margin

41%

Profit Margin

24%

Payout

55%

Shs Outstand

Shs Float

Target Price

52W Range

20.07-32.0

52W High

-15.59%

52W Low

+35.05%

RSI

Rel Volume

0.09

Avg Volume

3.96K

Volume

339

Perf Week

-10.27%

Perf Month

-11%

Perf Quarter

7.87%

Perf Half Y

5.92%

Beta

0.868

Volatility

1%, 1.26%

Prev Close

-2.49%

Price

27.01

Change

-1.92%

UNB Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	9.11	10.64	10.85	10.77	14.92
Net income per share	2.38	2.86	2.94	2.81	2.5
Operating cash flow per share	2.64	-1.58	6.51	6.46	2.2
Free cash flow per share	1.2	-1.8	5.73	6.31	1.77
Cash per share	22.24	27.68	63.71	60.32	62.88
Book value per share	16.08	18.07	18.81	12.28	14.6
Tangible book value per share	15.08	17.08	18.25	11.84	14.6
Share holders equity per share	16.08	18.07	18.81	12.28	14.6
Interest debt per share	11.85	2.83	4.43	26.89	22.49
Market cap	162.02M	115.04M	133.75M	107.95M	138.2M
Enterprise value	197.22M	104.1M	132.07M	153.23M	203.62M
P/E ratio	15.22	8.98	10.16	8.56	12.28
Price to sales ratio	3.98	2.42	2.75	2.23	2.05
POCF ratio	13.76	-16.29	4.58	3.72	13.93
PFCF ratio	30.23	-14.26	5.21	3.81	17.33
P/B Ratio	2.26	1.42	1.59	1.95	2.1
PTB ratio	2.26	1.42	1.59	1.95	2.1
EV to sales	4.84	2.19	2.71	3.17	3.03
Enterprise value over EBITDA	13.87	6.02	7.46	6.9	124.23
EV to operating cash flow	16.75	-14.74	4.52	5.28	20.53
EV to free cash flow	36.8	-12.9	5.14	5.4	25.54
Earnings yield	0.07	0.11	0.1	0.12	0.08
Free cash flow yield	0.03	-0.07	0.19	0.26	0.06
Debt to equity	0.66	0.09	0.19	2.11	1.25
Debt to assets	0.05	0.01	0.01	0.09	0.06
Net debt to EBITDA	2.48	-0.63	-0.1	2.04	39.92
Current ratio	13.46	13.74	33.59	20.77	0.18
Interest coverage	2.22	2.96	4.44	4.51	3.48
Income quality	1.11	-0.55	2.22	2.3	0.88
Dividend Yield	0.03	0.05	0.04	0.06	0.05
Payout ratio	0.52	0.44	0.45	0.49	0.57
Sales general and administrative to revenue	0.39	0.37	0.39	0.39	0.31
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0.87
Capex to operating cash flow	-0.54	0.14	-0.12	-0.02	-0.2
Capex to revenue	-0.16	-0.02	-0.07	-0.01	-0.03
Capex to depreciation	-3.69	-0.49	-1.85	-0.37	-1.19
Stock based compensation to revenue	0	0	0.01	0.01	0.01
Graham number	29.36	34.11	35.26	27.84	28.63
ROIC	0.09	0.14	0.13	0.1	0.39
Return on tangible assets	0.01	0.01	0.01	0.01	0.06
Graham Net	-158.16	-208.18	-188.39	-215	-248.81
Working capital	123.09M	148.95M	318.34M	258.14M	-441.17M
Tangible asset value	69.62M	78.64M	81.84M	53.22M	-1.21B
Net current asset value	-668.11M	-852.52M	-792.92M	-1.01B	-1.31B
Invested capital	0.66	0.09	0.19	2.11	1.25
Average receivables	30.88M	35.18M	39.6M	50.08M	28.87M
Average payables	8.07M	10.79M	10.73M	11.41M	6.53M
Average inventory	-42.87M	-100.03M	-111.01M	-41.18M	0
Days sales outstanding	301.26	281.9	318.19	435.34	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	1.21	1.29	1.15	0.84	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.15	0.16	0.16	0.23	0.17
Capex per share	-1.44	-0.23	-0.78	-0.15	-0.43

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	2.81	2.69	2.68	2.58	3.41
Net income per share	0.76	0.66	0.6	0.56	2.46
Operating cash flow per share	1.4	0.46	0.81	0.09	-0.15
Free cash flow per share	1.36	0.42	0.77	-0.07	-0.33
Cash per share	60.15	65.69	63.67	59.37	62.74
Book value per share	12.25	13.44	13.1	10.92	14.56
Tangible book value per share	11.8	13.44	13.1	10.92	14.56
Share holders equity per share	12.25	13.44	13.1	10.92	14.56
Interest debt per share	26.26	24.26	36.85	30.57	19.58
Market cap	108.25M	99.7M	104.82M	96.79M	138.5M
Enterprise value	153.52M	140.25M	222.06M	185.09M	203.92M
P/E ratio	7.86	8.37	9.71	9.56	3.12
Price to sales ratio	8.56	8.21	8.66	8.33	8.99
POCF ratio	17.16	47.84	28.63	235.49	-205.49
PFCF ratio	17.69	52.92	30.3	-322.62	-91.91
P/B Ratio	1.96	1.65	1.78	1.97	2.1
PTB ratio	1.96	1.65	1.78	1.97	2.1
EV to sales	12.14	11.56	18.35	15.94	13.24
Enterprise value over EBITDA	18.62	21.56	70.86	65.45	237.95
EV to operating cash flow	24.33	67.3	60.66	450.34	-302.56
EV to free cash flow	25.08	74.44	64.2	-616.97	-135.32
Earnings yield	0.03	0.03	0.03	0.03	0.08
Free cash flow yield	0.06	0.02	0.03	0	-0.01
Debt to equity	2.11	1.75	2.74	2.68	1.25
Debt to assets	0.09	0.08	0.12	0.09	0.06
Net debt to EBITDA	5.49	6.23	37.41	31.22	76.34
Current ratio	20.77	5.5	5.31	4.95	0.18
Interest coverage	3.9	1.99	0.75	0.5	2.44
Income quality	1.83	0.7	1.36	0.16	-0.22
Dividend Yield	0.01	0.02	0.02	0.02	0.01
Payout ratio	0.45	0.54	0.59	0.63	0.14
Sales general and administrative to revenue	0.38	0.4	0.43	0.43	0.37
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0.87
Capex to operating cash flow	-0.03	-0.1	-0.06	-1.73	1.24
Capex to revenue	-0.01	-0.02	-0.02	-0.06	-0.05
Capex to depreciation	-0.44	-0.49	-0.5	-1.78	-1.95
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0
Graham number	14.51	14.13	13.28	11.75	28.37
ROIC	0.04	0.03	0.01	0.01	0.1
Return on tangible assets	0	0	0	0	0.06
Graham Net	-214.41	-218.15	-215.15	-232.71	-248.27
Working capital	258.14M	63.71M	65.63M	67.78M	-441.17M
Tangible asset value	53.22M	60.59M	59.05M	49.25M	-1.21B
Net current asset value	-1.01B	-1.22B	-1.19B	-1.26B	-1.31B
Invested capital	2.11	1.75	2.74	2.68	1.25
Average receivables	57.66M	57.42M	59.22M	63.83M	33.16M
Average payables	13.01M	13.61M	14.7M	16.2M	8.58M
Average inventory	-24.92M	-21.21M	-48.61M	-47.44M	-20.04M
Days sales outstanding	410.8	423.47	456.15	513.89	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0.22	0.21	0.2	0.18	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.06	0.05	0.05	0.05	0.17
Capex per share	-0.04	-0.04	-0.04	-0.16	-0.18

UNB Dividend History

UNB Frequently Asked Questions

What is Union Bankshares, Inc. stock symbol ?

Union Bankshares, Inc. is a US stock , located in Morrisville of Vt and trading under the symbol UNB

What is Union Bankshares, Inc. stock quote today ?

Union Bankshares, Inc. stock price is $27.01 today.

Is Union Bankshares, Inc. stock public?

Yes, Union Bankshares, Inc. is a publicly traded company.

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Company Profile

Volume Average 3.96K
Market Capitalization 124.06M
Employee 197
CEO Mr. David Scott Silverman
Headquarters Morrisville,VT,US
IPO Date 1999-08-09
Website https://www.ublocal.com

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; home improvement loans and overdraft; and residential construction and mortgage loans. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. It operates 18 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.