Union Bankshares, Inc. (UNB)

Union Bankshares Statistics

Total Valuation

UNB has a market cap or net worth of $107.78 million. The enterprise value is $350.99 million.

Market Cap	107.78M
Enterprise Value	350.99M

Important Dates

The next estimated earnings date is Wednesday, January 14, 2026.

Earnings Date	Jan 14, 2026
Ex-Dividend Date	Oct 24, 2025

Share Statistics

UNB has 4.58 million shares outstanding. The number of shares has increased by 0.73% in one year.

Current Share Class	4.58M
Shares Outstanding	4.58M
Shares Change (YoY)	+0.73%
Shares Change (QoQ)	+0.42%
Owned by Insiders (%)	17.42%
Owned by Institutions (%)	27.02%
Float	3.78M

Valuation Ratios

The trailing PE ratio is 9.53.

PE Ratio	9.53
Forward PE	n/a
PS Ratio	2.03
Forward PS	n/a
PB Ratio	1.39
P/TBV Ratio	1.39
P/FCF Ratio	5.76
P/OCF Ratio	5.44
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	30.97
EV / Sales	6.68
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	18.76

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	15.35
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.11%.

Return on Equity (ROE)	15.11%
Return on Assets (ROA)	0.73%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$275,042
Profits Per Employee	$59,335
Employee Count	191
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UNB has paid $932,000 in taxes.

Income Tax	932,000
Effective Tax Rate	7.60%

Stock Price Statistics

The stock price has decreased by -15.70% in the last 52 weeks. The beta is 0.38, so UNB's price volatility has been lower than the market average.

Beta (5Y)	0.38
52-Week Price Change	-15.70%
50-Day Moving Average	23.28
200-Day Moving Average	27.18
Relative Strength Index (RSI)	51.70
Average Volume (20 Days)	16,775

Short Selling Information

The latest short interest is 65,505, so 1.43% of the outstanding shares have been sold short.

Short Interest	65,505
Short Previous Month	48,282
Short % of Shares Out	1.43%
Short % of Float	1.73%
Short Ratio (days to cover)	7.59

Income Statement

In the last 12 months, UNB had revenue of $52.53 million and earned $11.33 million in profits. Earnings per share was $2.47.

Revenue	52.53M
Gross Profit	52.53M
Operating Income	12.27M
Pretax Income	12.27M
Net Income	11.33M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.47

Balance Sheet

The company has $43.93 million in cash and $287.14 million in debt, giving a net cash position of -$243.21 million or -$53.07 per share.

Cash & Cash Equivalents	43.93M
Total Debt	287.14M
Net Cash	-243.21M
Net Cash Per Share	-$53.07
Equity (Book Value)	77.68M
Book Value Per Share	16.95
Working Capital	-1.14B

Cash Flow

In the last 12 months, operating cash flow was $19.82 million and capital expenditures -$1.11 million, giving a free cash flow of $18.71 million.

Operating Cash Flow	19.82M
Capital Expenditures	-1.11M
Free Cash Flow	18.71M
FCF Per Share	$4.08

Margins

Gross Margin	n/a
Operating Margin	23.35%
Pretax Margin	23.35%
Profit Margin	21.57%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	35.62%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 6.12%.

Dividend Per Share	$1.44
Dividend Yield	6.12%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	58.32%
Buyback Yield	-0.73%
Shareholder Yield	5.40%
Earnings Yield	10.52%
FCF Yield	17.36%

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