Union Bankshares Statistics
Total Valuation
UNB has a market cap or net worth of $120.53 million. The enterprise value is $434.99 million.
| Market Cap | 120.53M |
| Enterprise Value | 434.99M |
Important Dates
The last earnings date was Wednesday, July 15, 2026.
| Earnings Date | Jul 15, 2026 |
| Ex-Dividend Date | Jul 27, 2026 |
Share Statistics
UNB has 4.95 million shares outstanding. The number of shares has increased by 2.39% in one year.
| Current Share Class | 4.95M |
| Shares Outstanding | 4.95M |
| Shares Change (YoY) | +2.39% |
| Shares Change (QoQ) | +3.15% |
| Owned by Insiders (%) | 20.96% |
| Owned by Institutions (%) | 21.67% |
| Float | 3.91M |
Valuation Ratios
The trailing PE ratio is 9.50.
| PE Ratio | 9.50 |
| Forward PE | n/a |
| PS Ratio | 2.12 |
| Forward PS | n/a |
| PB Ratio | 1.35 |
| P/TBV Ratio | 1.34 |
| P/FCF Ratio | 8.34 |
| P/OCF Ratio | 7.66 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 35.95 |
| EV / Sales | 7.64 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 30.02 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 24.36 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 14.98%.
| Return on Equity (ROE) | 14.98% |
| Return on Assets (ROA) | 0.80% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 1.47% |
| Revenue Per Employee | $292,441 |
| Profits Per Employee | $62,113 |
| Employee Count | 195 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UNB has paid $1.31 million in taxes.
| Income Tax | 1.31M |
| Effective Tax Rate | 9.73% |
Stock Price Statistics
The stock price has decreased by -9.66% in the last 52 weeks. The beta is 0.28, so UNB's price volatility has been lower than the market average.
| Beta (5Y) | 0.28 |
| 52-Week Price Change | -9.66% |
| 50-Day Moving Average | 24.20 |
| 200-Day Moving Average | 23.90 |
| Relative Strength Index (RSI) | 55.43 |
| Average Volume (20 Days) | 8,205 |
Short Selling Information
The latest short interest is 10,386, so 0.21% of the outstanding shares have been sold short.
| Short Interest | 10,386 |
| Short Previous Month | 10,469 |
| Short % of Shares Out | 0.21% |
| Short % of Float | 0.27% |
| Short Ratio (days to cover) | 1.45 |
Income Statement
In the last 12 months, UNB had revenue of $57.03 million and earned $12.11 million in profits. Earnings per share was $2.59.
| Revenue | 57.03M |
| Gross Profit | 57.03M |
| Operating Income | 13.39M |
| Pretax Income | 13.42M |
| Net Income | 12.11M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.59 |
Balance Sheet
The company has $38.94 million in cash and $353.40 million in debt, with a net cash position of -$314.46 million or -$63.58 per share.
| Cash & Cash Equivalents | 38.94M |
| Total Debt | 353.40M |
| Net Cash | -314.46M |
| Net Cash Per Share | -$63.58 |
| Equity (Book Value) | 90.41M |
| Book Value Per Share | 18.28 |
| Working Capital | -1.07B |
Cash Flow
In the last 12 months, operating cash flow was $15.80 million and capital expenditures -$1.29 million, giving a free cash flow of $14.51 million.
| Operating Cash Flow | 15.80M |
| Capital Expenditures | -1.29M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 70.29M |
| Free Cash Flow | 14.51M |
| FCF Per Share | $2.93 |
Margins
| Gross Margin | n/a |
| Operating Margin | 23.48% |
| Pretax Margin | 23.53% |
| Profit Margin | 21.24% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 26.22% |
Dividends & Yields
This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 5.91%.
| Dividend Per Share | $1.44 |
| Dividend Yield | 5.91% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 55.65% |
| Buyback Yield | -2.39% |
| Shareholder Yield | 3.51% |
| Earnings Yield | 10.01% |
| FCF Yield | 11.99% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 |