Union Bankshares, Inc. (UNB)

Union Bankshares Statistics

Total Valuation

UNB has a market cap or net worth of $112.12 million. The enterprise value is $396.04 million.

Market Cap	112.12M
Enterprise Value	396.04M

Important Dates

The next estimated earnings date is Friday, May 1, 2026.

Earnings Date	May 1, 2026
Ex-Dividend Date	Jan 30, 2026

Share Statistics

UNB has 4.61 million shares outstanding. The number of shares has increased by 0.83% in one year.

Current Share Class	4.61M
Shares Outstanding	4.61M
Shares Change (YoY)	+0.83%
Shares Change (QoQ)	-0.42%
Owned by Insiders (%)	17.76%
Owned by Institutions (%)	23.84%
Float	3.79M

Valuation Ratios

The trailing PE ratio is 10.17.

PE Ratio	10.17
Forward PE	n/a
PS Ratio	2.09
Forward PS	n/a
PB Ratio	1.40
P/TBV Ratio	1.39
P/FCF Ratio	7.02
P/OCF Ratio	6.51
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	35.74
EV / Sales	7.38
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	24.80

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	19.11
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)	1.66%
Revenue Per Employee	$275,297
Profits Per Employee	$56,821
Employee Count	195
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 -13.52% in the last 52 weeks. The beta is 0.35, so UNB's price volatility has been lower than the market average.

Beta (5Y)	0.35
52-Week Price Change	-13.52%
50-Day Moving Average	24.03
200-Day Moving Average	24.80
Relative Strength Index (RSI)	53.69
Average Volume (20 Days)	6,171

Short Selling Information

The latest short interest is 96,828, so 2.10% of the outstanding shares have been sold short.

Short Interest	96,828
Short Previous Month	104,193
Short % of Shares Out	2.10%
Short % of Float	2.55%
Short Ratio (days to cover)	10.46

Income Statement

In the last 12 months, UNB had revenue of $53.68 million and earned $11.08 million in profits. Earnings per share was $2.41.

Revenue	53.68M
Gross Profit	53.68M
Operating Income	11.98M
Pretax Income	12.01M
Net Income	11.08M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.41

Balance Sheet

The company has $21.26 million in cash and $305.17 million in debt, with a net cash position of -$283.92 million or -$61.53 per share.

Cash & Cash Equivalents	21.26M
Total Debt	305.17M
Net Cash	-283.92M
Net Cash Per Share	-$61.53
Equity (Book Value)	80.86M
Book Value Per Share	17.53
Working Capital	-1.20B

Cash Flow

In the last 12 months, operating cash flow was $17.23 million and capital expenditures -$1.25 million, giving a free cash flow of $15.97 million.

Operating Cash Flow	17.23M
Capital Expenditures	-1.25M
Depreciation & Amortization	n/a
Net Borrowing	26.79M
Free Cash Flow	15.97M
FCF Per Share	$3.46

Margins

Gross Margin	n/a
Operating Margin	22.32%
Pretax Margin	22.37%
Profit Margin	20.64%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	29.75%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 5.93%.

Dividend Per Share	$1.44
Dividend Yield	5.93%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	59.75%
Buyback Yield	-0.83%
Shareholder Yield	5.05%
Earnings Yield	9.88%
FCF Yield	14.25%

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