Union Bankshares Statistics
Total Valuation
UNB has a market cap or net worth of $117.98 million. The enterprise value is $407.50 million.
| Market Cap | 117.98M |
| Enterprise Value | 407.50M |
Important Dates
The next estimated earnings date is Tuesday, August 4, 2026, after market close.
| Earnings Date | Aug 4, 2026 |
| Ex-Dividend Date | Apr 27, 2026 |
Share Statistics
UNB has 4.61 million shares outstanding. The number of shares has increased by 1.11% in one year.
| Current Share Class | 4.61M |
| Shares Outstanding | 4.61M |
| Shares Change (YoY) | +1.11% |
| Shares Change (QoQ) | +1.47% |
| Owned by Insiders (%) | 22.87% |
| Owned by Institutions (%) | 26.10% |
| Float | 3.56M |
Valuation Ratios
The trailing PE ratio is 10.19.
| PE Ratio | 10.19 |
| Forward PE | n/a |
| PS Ratio | 2.13 |
| Forward PS | n/a |
| PB Ratio | 1.46 |
| P/TBV Ratio | 1.46 |
| P/FCF Ratio | 8.13 |
| P/OCF Ratio | 7.47 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 35.18 |
| EV / Sales | 7.37 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 28.09 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 22.56 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 15.38%.
| Return on Equity (ROE) | 15.38% |
| Return on Assets (ROA) | 0.74% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 1.51% |
| Revenue Per Employee | $283,703 |
| Profits Per Employee | $59,400 |
| Employee Count | 195 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UNB has paid $1.11 million in taxes.
| Income Tax | 1.11M |
| Effective Tax Rate | 8.72% |
Stock Price Statistics
The stock price has decreased by -6.02% in the last 52 weeks. The beta is 0.26, so UNB's price volatility has been lower than the market average.
| Beta (5Y) | 0.26 |
| 52-Week Price Change | -6.02% |
| 50-Day Moving Average | 24.03 |
| 200-Day Moving Average | 24.01 |
| Relative Strength Index (RSI) | 62.42 |
| Average Volume (20 Days) | 28,472 |
Short Selling Information
The latest short interest is 87,456, so 1.90% of the outstanding shares have been sold short.
| Short Interest | 87,456 |
| Short Previous Month | 91,422 |
| Short % of Shares Out | 1.90% |
| Short % of Float | 2.46% |
| Short Ratio (days to cover) | 10.65 |
Income Statement
In the last 12 months, UNB had revenue of $55.32 million and earned $11.58 million in profits. Earnings per share was $2.51.
| Revenue | 55.32M |
| Gross Profit | 55.32M |
| Operating Income | 12.66M |
| Pretax Income | 12.69M |
| Net Income | 11.58M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.51 |
Balance Sheet
The company has $37.78 million in cash and $327.30 million in debt, with a net cash position of -$289.52 million or -$62.75 per share.
| Cash & Cash Equivalents | 37.78M |
| Total Debt | 327.30M |
| Net Cash | -289.52M |
| Net Cash Per Share | -$62.75 |
| Equity (Book Value) | 80.57M |
| Book Value Per Share | 17.46 |
| Working Capital | -1.19B |
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 | $3.14 |
Margins
| Gross Margin | n/a |
| Operating Margin | 22.89% |
| Pretax Margin | 22.94% |
| Profit Margin | 20.94% |
| 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 5.63%.
| Dividend Per Share | $1.44 |
| Dividend Yield | 5.63% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 57.37% |
| Buyback Yield | -1.11% |
| Shareholder Yield | 4.53% |
| Earnings Yield | 9.82% |
| FCF Yield | 12.29% |
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 |