Union Bankshares, Inc. (UNB)
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% |
Analyst Summary
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 39.93 | 37.62 | 35.96 | 34.77 | 32.36 | 31.26 | 30.23 | 31.54 | 26.11 | 23.92 |
| Revenue Growth | 6.15% | 4.63% | 3.43% | 7.43% | 3.52% | 3.42% | -4.17% | 20.8% | 9.16% | - |
| Gross Profit | 39.93 | 37.62 | 35.96 | 34.77 | 32.36 | 31.26 | 30.23 | 31.54 | 26.11 | 23.92 |
| Operating Income | 12.48 | 8.35 | 12.05 | 11.11 | 10.54 | 9.67 | 9.00 | 8.51 | 6.34 | 7.72 |
| Net Income | 10.65 | 7.07 | 8.45 | 8.51 | 7.88 | 7.69 | 7.14 | 6.84 | 5.22 | 5.59 |
| Shares Outstanding | 4.47 | 4.47 | 4.46 | 4.46 | 4.46 | 4.46 | 4.46 | 4.46 | 4.46 | 4.46 |
| Earnings Per Share | 2.38 | 1.58 | 1.89 | 1.91 | 1.77 | 1.73 | 1.60 | 1.54 | 1.17 | 1.25 |
| EPS Growth | 50.63% | -16.4% | -1.05% | 7.91% | 2.31% | 8.12% | 3.9% | 31.62% | -6.4% | - |
| Dividend Per Share | 1.24 | 1.20 | 1.16 | 1.11 | 1.08 | 1.04 | 1.01 | 1.00 | 1.00 | 1.00 |
| Dividend Growth | 3.33% | 3.45% | 4.5% | 2.78% | 3.85% | 2.97% | 1% | 0% | 0% | - |
| Operating Cash Flow | 11.78 | 16.76 | 9.87 | 7.64 | 13.13 | 2.20 | 17.82 | 3.47 | 7.36 | 11.26 |
| Capital Expenditures | -6.42 | -2.87 | -1.99 | -1.74 | -2.29 | -2.17 | -1.29 | -2.00 | -1.50 | -0.90 |
| Free Cash Flow | 5.36 | 13.90 | 7.88 | 5.91 | 10.84 | 0.03 | 16.53 | 1.47 | 5.86 | 10.36 |
| Cash & Equivalents | 57.70 | 46.59 | 47.86 | 48.78 | 30.71 | 54.00 | 48.33 | 68.43 | 48.40 | 28.33 |
| Total Debt | 47.16 | 27.82 | 31.58 | 31.60 | 9.56 | 15.12 | 13.22 | 15.75 | 29.02 | 28.99 |
| Net Cash / Debt | 10.54 | 18.77 | 16.28 | 17.18 | 21.15 | 38.88 | 35.12 | 52.69 | 19.39 | -0.65 |
| Assets | 873 | 805 | 746 | 691 | 629 | 624 | 585 | 577 | 553 | 453 |
| Liabilities | 801 | 741 | 687 | 635 | 575 | 573 | 536 | 532 | 512 | 411 |
| Book Value | 71.84 | 64.49 | 58.66 | 56.28 | 53.57 | 51.43 | 49.82 | 45.05 | 40.34 | 41.73 |
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.