Union Bankshares, Inc. (UNB)

Union Bankshares Statistics

Total Valuation

UNB has a market cap or net worth of $111.60 million. The enterprise value is $362.24 million.

Market Cap	111.60M
Enterprise Value	362.24M

Important Dates

The next estimated earnings date is Monday, October 20, 2025, after market close.

Earnings Date	Oct 20, 2025
Ex-Dividend Date	Jul 25, 2025

Share Statistics

UNB has 4.55 million shares outstanding. The number of shares has increased by 0.41% in one year.

Current Share Class	4.55M
Shares Outstanding	4.55M
Shares Change (YoY)	+0.41%
Shares Change (QoQ)	+0.29%
Owned by Insiders (%)	17.24%
Owned by Institutions (%)	27.77%
Float	3.77M

Valuation Ratios

The trailing PE ratio is 12.19.

PE Ratio	12.19
Forward PE	n/a
PS Ratio	2.27
Forward PS	n/a
PB Ratio	1.56
P/TBV Ratio	1.56
P/FCF Ratio	10.90
P/OCF Ratio	9.79
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	39.28
EV / Sales	7.40
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	35.42

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	28.06
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.63%.

Return on Equity (ROE)	13.63%
Return on Assets (ROA)	0.64%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$256,283
Profits Per Employee	$48,277
Employee Count	191
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UNB has paid $395,000 in taxes.

Income Tax	395,000
Effective Tax Rate	4.11%

Stock Price Statistics

The stock price has decreased by -2.74% in the last 52 weeks. The beta is 0.56, so UNB's price volatility has been lower than the market average.

Beta (5Y)	0.56
52-Week Price Change	-2.74%
50-Day Moving Average	26.04
200-Day Moving Average	29.03
Relative Strength Index (RSI)	35.02
Average Volume (20 Days)	11,470

Short Selling Information

The latest short interest is 97,217, so 2.14% of the outstanding shares have been sold short.

Short Interest	97,217
Short Previous Month	99,359
Short % of Shares Out	2.14%
Short % of Float	2.58%
Short Ratio (days to cover)	16.93

Income Statement

In the last 12 months, UNB had revenue of $48.95 million and earned $9.22 million in profits. Earnings per share was $2.01.

Revenue	48.95M
Gross Profit	48.95M
Operating Income	9.62M
Pretax Income	9.62M
Net Income	9.22M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.01

Balance Sheet

The company has $36.23 million in cash and $286.96 million in debt, giving a net cash position of -$250.73 million or -$55.09 per share.

Cash & Cash Equivalents	36.23M
Total Debt	286.96M
Net Cash	-250.73M
Net Cash Per Share	-$55.09
Equity (Book Value)	71.26M
Book Value Per Share	15.66
Working Capital	-1.09B

Cash Flow

In the last 12 months, operating cash flow was $11.39 million and capital expenditures -$1.16 million, giving a free cash flow of $10.23 million.

Operating Cash Flow	11.39M
Capital Expenditures	-1.16M
Free Cash Flow	10.23M
FCF Per Share	$2.25

Margins

Gross Margin	n/a
Operating Margin	19.64%
Pretax Margin	19.64%
Profit Margin	18.84%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	20.89%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 5.64%.

Dividend Per Share	$1.44
Dividend Yield	5.64%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	71.63%
Buyback Yield	-0.41%
Shareholder Yield	5.46%
Earnings Yield	8.27%
FCF Yield	9.17%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on August 11, 2003. It was a forward split with a ratio of 1.5:1.

Last Split Date	Aug 11, 2003
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4