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Union Bankshares, Inc. (UNB)

Stock Price: $26.85 USD -0.33 (-1.21%)
Updated December 2, 4:00 PM EST - Market closed
After-hours: $26.70 -0.15 (-0.56%) Dec 2, 4:01 PM

Stock Price Chart

Key Info

Market Cap 120.16M
Revenue (ttm) 43.23M
Net Income (ttm) 11.77M
Shares Out 4.48M
EPS (ttm) 2.63
PE Ratio 10.21
Forward PE n/a
Dividend $1.28
Dividend Yield 4.77%

Stock Quote

Trading Day December 2
Last Price $26.85
Previous Close $27.18
Change ($) -0.33
Change (%) -1.21%
Day's Open 26.75
Day's Range 26.29 - 27.20
Day's Volume 6,498
52-Week Range 16.56 - 35.70

More Stats

Market Cap 120.16M
Enterprise Value 56.22M
Earnings Date (est) n/a
Ex-Dividend Date Oct 29, 2020
Shares Outstanding 4.48M
Float n/a
EPS (basic) 2.62
EPS (diluted) 2.63
FCF / Share -0.59
Dividend $1.28
Dividend Yield 4.77%
Earnings Yield 9.80%
FCF Yield n/a
Payout Ratio 48.50%
Shares Short 12,269
Short Ratio 1.62
Short % of Float n/a
Beta 0.80
PE Ratio 10.21
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 2.78
PB Ratio 1.54
Revenue 43.23M
Operating Income 13.82M
Net Income 11.77M
Free Cash Flow -2.65M
Net Cash 63.94M
Net Cash / Share 14.29
Gross Margin 92.09%
Operating Margin 31.97%
Profit Margin 27.20%
FCF Margin -6.14%
ROA 1.27%
ROE 15.80%
ROIC 1.50%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$40.00*
Low
40.0
Current: $26.85
High
40.0
Target: 40.00
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue39.9337.6235.9634.7732.3631.2630.2331.5426.1123.92
Revenue Growth6.15%4.63%3.43%7.43%3.52%3.42%-4.17%20.8%9.16%-
Gross Profit39.9337.6235.9634.7732.3631.2630.2331.5426.1123.92
Operating Income12.488.3512.0511.1110.549.679.008.516.347.72
Net Income10.657.078.458.517.887.697.146.845.225.59
Shares Outstanding4.474.474.464.464.464.464.464.464.464.46
Earnings Per Share2.381.581.891.911.771.731.601.541.171.25
EPS Growth50.63%-16.4%-1.05%7.91%2.31%8.12%3.9%31.62%-6.4%-
Dividend Per Share1.240.901.161.111.081.041.011.001.001.00
Dividend Growth37.78%-22.41%4.5%2.78%3.85%2.97%1%0%0%-
Operating Cash Flow11.7816.769.877.6413.132.2017.823.477.3611.26
Capital Expenditures-6.42-2.87-1.99-1.74-2.29-2.17-1.29-2.00-1.50-0.90
Free Cash Flow5.3613.907.885.9110.840.0316.531.475.8610.36
Cash & Equivalents57.7046.5947.8648.7830.7154.0048.3368.4348.4028.33
Total Debt47.1627.8231.5831.609.5615.1213.2215.7529.0228.99
Net Cash / Debt10.5418.7716.2817.1821.1538.8835.1252.6919.39-0.65
Assets873805746691629624585577553453
Liabilities801741687635575573536532512411
Book Value71.8464.4958.6656.2853.5751.4349.8245.0540.3441.73
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Union Bankshares, Inc.
Employees 201

Stock Information

Ticker Symbol UNB
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks-Regional
Unique Identifier NASDAQ: UNB
IPO Date June 11, 1998

Description

Union Bankshares operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking 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; consumer loans; and municipal loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; and residential real estate loans. In addition, it offers small business administration guaranteed, and residential construction and mortgage loans; online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services; 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; and telephone, Internet, and mobile banking services; home improvement loans and overdraft; customer repurchase agreement sweeps; and asset management, fiduciary, and trust services. It 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. The company operates 20 banking offices, 2 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.