Union Bankshares Statistics
Total Valuation
UNB has a market cap or net worth of $111.63 million. The enterprise value is $368.74 million.
| Market Cap | 111.63M |
| Enterprise Value | 368.74M |
Important Dates
The last earnings date was Wednesday, October 21, 2026, after market close.
| Earnings Date | Oct 21, 2026 |
| Ex-Dividend Date | Oct 30, 2026 |
Share Statistics
UNB has 4.95 million shares outstanding. The number of shares has increased by 3.93% in one year.
| Current Share Class | 4.95M |
| Shares Outstanding | 4.95M |
| Shares Change (YoY) | +3.93% |
| Shares Change (QoQ) | +1.26% |
| Owned by Insiders (%) | 21.19% |
| Owned by Institutions (%) | 22.30% |
| Float | 3.90M |
Valuation Ratios
The trailing PE ratio is 8.64.
| PE Ratio | 8.64 |
| Forward PE | n/a |
| PS Ratio | 1.93 |
| Forward PS | n/a |
| PB Ratio | 1.40 |
| P/TBV Ratio | 1.42 |
| P/FCF Ratio | 5.35 |
| P/OCF Ratio | 4.98 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 29.63 |
| EV / Sales | 6.38 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 17.66 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 3.65 |
| Debt / EBITDA | n/a |
| Debt / FCF | 13.77 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 15.90%.
| Return on Equity (ROE) | 15.90% |
| Return on Assets (ROA) | 0.78% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 1.61% |
| Revenue Per Employee | $296,338 |
| Profits Per Employee | $63,815 |
| Employee Count | 195 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UNB has paid $1.46 million in taxes.
| Income Tax | 1.46M |
| Effective Tax Rate | 10.53% |
Stock Price Statistics
The stock price has decreased by -1.10% in the last 52 weeks. The beta is 0.27, so UNB's price volatility has been lower than the market average.
| Beta (5Y) | 0.27 |
| 52-Week Price Change | -1.10% |
| 50-Day Moving Average | 23.34 |
| 200-Day Moving Average | 23.94 |
| Relative Strength Index (RSI) | 39.07 |
| Average Volume (20 Days) | 5,105 |
Short Selling Information
The latest short interest is 19,725, so 0.40% of the outstanding shares have been sold short.
| Short Interest | 19,725 |
| Short Previous Month | 17,982 |
| Short % of Shares Out | 0.40% |
| Short % of Float | 0.51% |
| Short Ratio (days to cover) | 5.28 |
Income Statement
In the last 12 months, UNB had revenue of $57.79 million and earned $12.44 million in profits. Earnings per share was $2.61.
| Revenue | 57.79M |
| Gross Profit | 57.79M |
| Operating Income | 13.88M |
| Pretax Income | 13.91M |
| Net Income | 12.44M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.61 |
Balance Sheet
The company has $30.30 million in cash and $287.41 million in debt, with a net cash position of -$257.11 million or -$51.99 per share.
| Cash & Cash Equivalents | 30.30M |
| Total Debt | 287.41M |
| Net Cash | -257.11M |
| Net Cash Per Share | -$51.99 |
| Equity (Book Value) | 78.83M |
| Book Value Per Share | 16.11 |
| Working Capital | -1.19B |
Cash Flow
In the last 12 months, operating cash flow was $22.42 million and capital expenditures -$1.54 million, giving a free cash flow of $20.88 million.
| Operating Cash Flow | 22.42M |
| Capital Expenditures | -1.54M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 66.40M |
| Free Cash Flow | 20.88M |
| FCF Per Share | $4.22 |
Margins
| Gross Margin | n/a |
| Operating Margin | 24.02% |
| Pretax Margin | 24.07% |
| Profit Margin | 21.53% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 36.61% |
Dividends & Yields
This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 6.25%.
| Dividend Per Share | $1.44 |
| Dividend Yield | 6.25% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 55.14% |
| FCF Payout Ratio | 34.11% |
| Buyback Yield | -3.93% |
| Shareholder Yield | 2.45% |
| Earnings Yield | 11.57% |
| FCF Yield | 18.70% |
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 |