Home » Stocks » Union Bankshares

Union Bankshares, Inc. (UNB)

Stock Price: $18.86 USD 0.41 (2.22%)
Updated Aug 7, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 84.37M
Revenue (ttm) 40.11M
Net Income (ttm) 10.22M
Shares Out 4.47M
EPS (ttm) 2.29
PE Ratio 8.24
Forward PE n/a
Dividend $1.28
Dividend Yield 6.79%

Stock Quote

Trading Day Aug 7, 2020
Last Price $18.86
Previous Close $18.45
Change ($) 0.41
Change (%) 2.22%
Day's Open 18.59
Day's Range 18.56 - 18.86
Day's Volume 3,845
52-Week Range 16.50 - 38.79

More Stats

Market Cap 84.37M
Enterprise Value 98.75M
Earnings Date (est) n/a
Ex-Dividend Date Jul 24, 2020
Shares Outstanding 4.47M
Float 3.69M
EPS (basic) 2.28
EPS (diluted) 2.29
FCF / Share -0.27
Dividend $1.28
Dividend Yield 6.79%
Earnings Yield 12.14%
FCF Yield n/a
Payout Ratio 54.80%
Shares Short 32,321
Short Ratio 0.65
Short % of Float 0.60%
Beta 0.75
PE Ratio 8.24
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 2.10
PB Ratio 1.11
Revenue 40.11M
Operating Income 12.00M
Net Income 10.22M
Free Cash Flow -1.22M
Net Cash -14.39M
Net Cash / Share -3.22
Gross Margin 99.23%
Operating Margin 29.91%
Profit Margin 25.50%
FCF Margin -3.04%
ROA 1.21%
ROE 14.55%
ROIC 1.40%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

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: $18.86
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 Share1.241.201.161.111.081.041.011.001.001.00
Dividend Growth3.33%3.45%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.
Country United States
Employees 201
CEO David Scott Silverman

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, Inc. 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 and 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 and cards; debit cards; and telephone, Internet, and mobile banking services; home improvement loans and overdraft checking facility against preauthorized lines of credit; customer repurchase agreement sweeps; 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. The company operates 18 banking offices, 2 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.