Union Bankshares, Inc. (UNB)

Union Bankshares Statistics

Total Valuation

UNB has a market cap or net worth of $109.54 million. The enterprise value is $392.34 million.

Market Cap	109.54M
Enterprise Value	392.34M

Important Dates

The next estimated earnings date is Wednesday, April 15, 2026.

Earnings Date	Apr 15, 2026
Ex-Dividend Date	Jan 30, 2026

Share Statistics

UNB has 4.58 million shares outstanding. The number of shares has increased by 0.12% in one year.

Current Share Class	4.58M
Shares Outstanding	4.58M
Shares Change (YoY)	+0.12%
Shares Change (QoQ)	-0.42%
Owned by Insiders (%)	17.44%
Owned by Institutions (%)	23.68%
Float	3.78M

Valuation Ratios

The trailing PE ratio is 9.95.

PE Ratio	9.95
Forward PE	n/a
PS Ratio	2.06
Forward PS	n/a
PB Ratio	1.37
P/TBV Ratio	1.37
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	35.41
EV / Sales	7.30
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 15.04%.

Return on Equity (ROE)	15.04%
Return on Assets (ROA)	0.70%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.73%
Revenue Per Employee	$267,204
Profits Per Employee	$55,124
Employee Count	201
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UNB has paid $928,000 in taxes.

Income Tax	928,000
Effective Tax Rate	7.73%

Stock Price Statistics

The stock price has decreased by -17.19% in the last 52 weeks. The beta is 0.40, so UNB's price volatility has been lower than the market average.

Beta (5Y)	0.40
52-Week Price Change	-17.19%
50-Day Moving Average	24.28
200-Day Moving Average	25.57
Relative Strength Index (RSI)	49.34
Average Volume (20 Days)	14,701

Short Selling Information

The latest short interest is 90,472, so 1.97% of the outstanding shares have been sold short.

Short Interest	90,472
Short Previous Month	84,985
Short % of Shares Out	1.97%
Short % of Float	2.39%
Short Ratio (days to cover)	6.69

Income Statement

In the last 12 months, UNB had revenue of $53.71 million and earned $11.08 million in profits. Earnings per share was $2.43.

Revenue	53.71M
Gross Profit	53.71M
Operating Income	12.01M
Pretax Income	12.01M
Net Income	11.08M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.43

Balance Sheet

The company has $21.26 million in cash and $302.79 million in debt, with a net cash position of -$281.53 million or -$61.44 per share.

Cash & Cash Equivalents	21.26M
Total Debt	302.79M
Net Cash	-281.53M
Net Cash Per Share	-$61.44
Equity (Book Value)	80.86M
Book Value Per Share	17.66
Working Capital	-1.13B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	22.36%
Pretax Margin	22.36%
Profit Margin	20.63%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 5.96%.

Dividend Per Share	$1.44
Dividend Yield	5.96%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	59.26%
Buyback Yield	-0.12%
Shareholder Yield	5.83%
Earnings Yield	10.00%
FCF Yield	n/a

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	2