Union Bankshares Statistics

Total Valuation

UNB has a market cap or net worth of $121.68 million. The enterprise value is $356.99 million.

Market Cap	121.68M
Enterprise Value	356.99M

Important Dates

The next estimated earnings date is Wednesday, July 16, 2025.

Earnings Date	Jul 16, 2025
Ex-Dividend Date	Apr 25, 2025

Share Statistics

UNB has 4.54 million shares outstanding. The number of shares has increased by 0.53% in one year.

Current Share Class	4.54M
Shares Outstanding	4.54M
Shares Change (YoY)	+0.53%
Shares Change (QoQ)	+1.96%
Owned by Insiders (%)	17.29%
Owned by Institutions (%)	23.84%
Float	3.75M

Valuation Ratios

The trailing PE ratio is 13.82.

PE Ratio	13.82
Forward PE	n/a
PS Ratio	2.54
Forward PS	n/a
PB Ratio	1.74
P/TBV Ratio	1.74
P/FCF Ratio	9.00
P/OCF Ratio	8.48
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	40.36
EV / Sales	7.46
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	26.40

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	19.01
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.21%.

Return on Equity (ROE)	13.21%
Return on Assets (ROA)	0.60%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$250,403
Profits Per Employee	$46,309
Employee Count	191
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UNB has paid $354,000 in taxes.

Income Tax	354,000
Effective Tax Rate	3.85%

Stock Price Statistics

The stock price has increased by +26.15% in the last 52 weeks. The beta is 0.57, so UNB's price volatility has been lower than the market average.

Beta (5Y)	0.57
52-Week Price Change	+26.15%
50-Day Moving Average	31.19
200-Day Moving Average	30.07
Relative Strength Index (RSI)	29.09
Average Volume (20 Days)	9,599

Short Selling Information

The latest short interest is 50,355, so 1.11% of the outstanding shares have been sold short.

Short Interest	50,355
Short Previous Month	58,850
Short % of Shares Out	1.11%
Short % of Float	1.34%
Short Ratio (days to cover)	4.44

Income Statement

In the last 12 months, UNB had revenue of $47.83 million and earned $8.85 million in profits. Earnings per share was $1.94.

Revenue	47.83M
Gross Profit	47.83M
Operating Income	9.20M
Pretax Income	10.97M
Net Income	8.85M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.94

Full Income Statement

Balance Sheet

The company has $21.67 million in cash and $256.98 million in debt, giving a net cash position of -$235.31 million or -$51.85 per share.

Cash & Cash Equivalents	21.67M
Total Debt	256.98M
Net Cash	-235.31M
Net Cash Per Share	-$51.85
Equity (Book Value)	70.07M
Book Value Per Share	15.44
Working Capital	-1.15B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $14.35 million and capital expenditures -$829,000, giving a free cash flow of $13.52 million.

Operating Cash Flow	14.35M
Capital Expenditures	-829,000
Free Cash Flow	13.52M
FCF Per Share	$2.98

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	19.23%
Pretax Margin	19.23%
Profit Margin	18.49%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	28.27%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 5.27%.

Dividend Per Share	$1.44
Dividend Yield	5.27%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	74.21%
Buyback Yield	-0.53%
Shareholder Yield	4.73%
Earnings Yield	7.27%
FCF Yield	11.11%

Dividend Details

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