Union Bankshares, Inc.

NasdaqGM:UNB Lagerbericht

Marktkapitalisierung: US$109.0m

Union Bankshares Vergangene Ertragsentwicklung

Vergangenheit Kriterienprüfungen 4/6

Union BanksharesDie Gewinne des Unternehmens sind mit einer durchschnittlichen jährlichen Rate von -6.1% zurückgegangen, während in der Branche Banks die Gewinne wachsen. Die Umsatzerlöse sind gewachsen mit einer durchschnittlichen Rate von 1.9% pro Jahr. Union Bankshares Die Eigenkapitalrendite des Unternehmens beträgt 13.4%, und die Nettomargen liegen bei 21.2%.

Wichtige Informationen

-6.13%

Wachstumsrate der Gewinne

-6.63%

EPS-Wachstumsrate

Banks Wachstum der Industrie11.18%
Wachstumsrate der Einnahmen1.94%
Eigenkapitalrendite13.40%
Netto-Marge21.24%
Letzte Ertragsaktualisierung30 Jun 2026

Jüngste Aktualisierungen vergangener Leistungen

Recent updates

Seeking Alpha • Apr 20

Union Bankshares: Small, But Steady

Summary Union Bankshares, Inc. reported a strong Q1 2026, with net income rising to $3.0 million ($0.65/share), driven by robust net interest income. Loan growth was modest at 1.3% year-over-year, while deposits edged up, reflecting a stable but unspectacular regional economy. Asset quality remains a standout, with a $325,000 credit loss benefit and allowance for credit losses dipping to $8.07 million. We maintain a Hold rating on UNB, citing solid profitability and yield but limited loan growth and a premium valuation over book. Read the full article on Seeking Alpha
Analyseartikel • Jan 25

Union Bankshares (NASDAQ:UNB) Is Due To Pay A Dividend Of $0.36

Union Bankshares, Inc. ( NASDAQ:UNB ) will pay a dividend of $0.36 on the 5th of February. Based on this payment, the...
Analyseartikel • Jul 21

Union Bankshares' (NASDAQ:UNB) Dividend Will Be $0.36

Union Bankshares, Inc. ( NASDAQ:UNB ) will pay a dividend of $0.36 on the 7th of August. This makes the dividend yield...
Analyseartikel • Apr 20

Union Bankshares (NASDAQ:UNB) Is Due To Pay A Dividend Of $0.36

Union Bankshares, Inc. ( NASDAQ:UNB ) has announced that it will pay a dividend of $0.36 per share on the 1st of May...
Analyseartikel • Jan 19

Union Bankshares' (NASDAQ:UNB) Dividend Will Be $0.36

Union Bankshares, Inc. ( NASDAQ:UNB ) has announced that it will pay a dividend of $0.36 per share on the 6th of...
Seeking Alpha • Oct 30

Union Bankshares: Earnings Likely To Recover Soon; Dividend Yield Of 4.9%

Summary Interest rate cuts and tight local labor markets will drive Union Bankshares' loan growth. However, elevated home prices may put a dampener on growth. The recent balance sheet repositioning and the ongoing down-rate cycle will lift the margin. The December 2025 target price suggests a mid-single-digit upside from the October 28 closing price. UNB is offering an attractive dividend yield of 4.9% with an implied payout ratio of 63%. Read the full article on Seeking Alpha
Analyseartikel • Jul 22

Union Bankshares' (NASDAQ:UNB) Dividend Will Be $0.36

The board of Union Bankshares, Inc. ( NASDAQ:UNB ) has announced that it will pay a dividend of $0.36 per share on the...
Analyseartikel • May 09

We Discuss Why Union Bankshares, Inc.'s (NASDAQ:UNB) CEO Compensation May Be Closely Reviewed

Key Insights Union Bankshares will host its Annual General Meeting on 15th of May CEO David Silverman's total...
Analyseartikel • Apr 22

Union Bankshares (NASDAQ:UNB) Is Due To Pay A Dividend Of $0.36

Union Bankshares, Inc. ( NASDAQ:UNB ) will pay a dividend of $0.36 on the 2nd of May. Based on this payment, the...
Analyseartikel • Apr 23

Union Bankshares (NASDAQ:UNB) Is Increasing Its Dividend To $0.36

Union Bankshares, Inc. ( NASDAQ:UNB ) has announced that it will be increasing its dividend from last year's comparable...
Analyseartikel • Jan 22

Union Bankshares (NASDAQ:UNB) Is Paying Out A Larger Dividend Than Last Year

Union Bankshares, Inc.'s ( NASDAQ:UNB ) dividend will be increasing from last year's payment of the same period to...
Seeking Alpha • Oct 19

Union Bankshares GAAP EPS of $0.84, Net interest income of $10.4M

Union Bankshares press release (NASDAQ:UNB): Q3 GAAP EPS of $0.84. Net interest income of $10.4M (+14.3% Y/Y).
Seeking Alpha • Aug 28

Union Bankshares: Attractive Dividend Appears Secure Despite The Chances Of An Earnings Decline

Summary Regional economic factors will drive loan growth. Higher interest rates will decrease the noninterest income as well as equity book value. Margin will be little affected by rate changes. UNB is offering a high dividend yield. Further, the December 2022 target price suggests a small price upside. Earnings of Union Bankshares, Inc. (UNB) will likely dip this year as higher interest rates will reduce mortgage banking income. On the other hand, earnings will receive support from hot regional job markets which will boost the loan book. Further, the provisioning for expected loan losses will likely remain subdued as the existing reserves are already very high. Overall, I'm expecting Union Bankshares to report earnings of $2.59 per share for 2022, down 11% year-over-year. For 2023, I'm expecting the company to report earnings of $2.84 per share, up 10% year-over-year. The year-end target price suggests a small upside from the current market price. Further, Union Bankshares is offering a high dividend yield. Based on the total expected return, I'm adopting a buy rating on Union Bankshares. Strong Loan Growth to Drive Net Interest Income Union Bankshares’ loan portfolio fell by 1.2% during the second quarter of 2022. This reduction was mainly attributed to a temporary decline in loans to municipal customers. The net drop in loan portfolio size was $9 million during the last quarter, while the company has already recorded new municipal loans of $70.2 million in July, as mentioned in the 10-Q filing. Therefore, the loan portfolio will more than recover its losses in the third quarter of 2022. Regional economies will further support loan growth in the coming quarters. Union Bankshares operates in Vermont and New Hampshire, which currently have two of the best job markets in the country. The unemployment rates in these states are amazingly low, which bodes well for loan growth, especially residential real estate loans. Vermont Unemployment Rate data by YCharts Further, the GDP of both states expanded in the first quarter of 2022 even as the economies of most other states contracted. Bureau of Economic Analysis, U.S. Department of Commerce Considering these factors, I'm expecting the loan portfolio to grow by 8% (annualized) every quarter till the end of 2023. As a result, loan growth will propel the net interest income through the end of 2023. However, net interest income is unlikely to receive much support from the rising rate environment. Around 91.5% of the loan portfolio is made up of real estate loans, including residential, construction, and commercial real estate. As real estate loans usually carry fixed rates, the average loan yield is not very sensitive to rate hikes. Further, non-maturing interest-bearing deposits made up a hefty 60% of total deposits at the end of June. These deposits will be the major source of pressure on deposit costs in a rising rate environment as they re-price frequently. Provisioning Likely to Remain Subdued Allowances were a massive 546.89% of nonperforming loans at the end of June 2022, which is quite high from a historical perspective. Allowances were 143.47% of nonperforming loans at the end of June last year. Due to this high coverage, I'm expecting further provisioning for loan losses to be muted in the coming quarters. Further, a majority of the loan book comprises real-estate-backed loans. Therefore, the credit risk will remain muted. On the other hand, economic headwinds including high inflation and interest rates can worsen asset quality, leading to higher provisions. Further, Union Bankshares may want to increase its reserves ahead of a possible recession. Considering these factors, I'm expecting net provision expense to average 0.04% (annualized) of total loans in the second half of 2022. For 2023, I'm expecting the net provision expense to average 0.07% of total loans, which is the same as the average from 2017 to 2019. Lower Mortgage Income to Drag Earnings Noninterest income will likely be lower this year as gains on sales of mortgage loans will decline. The rising interest-rate environment will slash mortgage refinancing activity, thereby reducing mortgage banking income for Union Bankshares. The following chart shows Mortgage Bankers Association's latest forecast for mortgage refinancing and mortgage purchase volume. Mortgage Bankers Association On the other hand, substantial loan growth and below-average provisioning will likely support the bottom line. Overall, I am expecting Union Bankshares to report earnings of $2.59 per share for 2022, down 11% year-over-year. For 2023, I'm expecting earnings to grow by 10% to $2.84 per share. The following table shows my income statement estimates FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 29 30 32 36 39 43 Provision for loan losses 0.5 0.8 2.2 - 0.2 0.6 Non-interest income 9 10 16 13 9 9 Non-interest expense 29 27 30 33 34 36 Net income - Common Sh. 7 11 13 13 12 13 EPS - Diluted ($) 1.58 2.38 2.85 2.92 2.59 2.84 Source: SEC Filings, Earnings Releases, Author's Estimates (In USD million unless otherwise specified) Actual earnings may differ materially from estimates because of the risks and uncertainties related to inflation, and consequently the timing and magnitude of interest rate hikes. Further, a stronger or longer-than-anticipated recession can increase the provisioning for expected loan losses beyond my estimates. High Interest Rates have Eroded Equity Book Value Union Bankshares has a large balance of available-for-sale investment securities, which made up 22% of total assets at the end of June. The market value of these fixed-rate available-for-sale securities has plunged in the first half of 2022 as rates have risen. These unrealized losses have bypassed the income statement and gone straight to the equity account, as per relevant accounting standards. As a result, the equity book value per share has slipped from $18.37 at the end of June 2021 to $13.34 at the end of June 2022. I'm expecting further erosion in the equity book value as I'm expecting a 150 basis point hike in the federal funds rate during the second half (including the 75 basis points hike in July). On the other hand, retained earnings will lift the equity book value. Despite the drop in equity book value, Union Bankshares’ capital is still more than adequate. The company reported a tier I ratio of 11.16% for the end of June 2022, as opposed to the minimum regulatory requirement of 6.0%. Therefore, the pressure on equity poses no threat to the dividend payout. The following table shows my balance sheet estimates.
Seeking Alpha • Jul 20

Union Bankshares GAAP EPS of $0.65, Net interest income of $9.7M

Union Bankshares press release (NASDAQ:UNB): Q2 GAAP EPS of $0.65. Net interest income of $9.7M (+9.0% Y/Y).
Analyseartikel • Jan 23

Union Bankshares (NASDAQ:UNB) Has Announced That It Will Be Increasing Its Dividend To US$0.35

Union Bankshares, Inc. ( NASDAQ:UNB ) will increase its dividend on the 3rd of February to US$0.35. This will take the...
Analyseartikel • May 13

Shareholders Will Probably Hold Off On Increasing Union Bankshares, Inc.'s (NASDAQ:UNB) CEO Compensation For The Time Being

In the past three years, the share price of Union Bankshares, Inc. ( NASDAQ:UNB ) has struggled to grow and now...
Analyseartikel • Mar 09

If You Like EPS Growth Then Check Out Union Bankshares (NASDAQ:UNB) Before It's Too Late

Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
Analyseartikel • Feb 02

Are You An Income Investor? Don't Miss Out On Union Bankshares, Inc. (NASDAQ:UNB)

Dividend paying stocks like Union Bankshares, Inc. ( NASDAQ:UNB ) tend to be popular with investors, and for good...
Analyseartikel • Dec 09

Union Bankshares' (NASDAQ:UNB) Stock Price Has Reduced 48% In The Past Three Years

It is a pleasure to report that the Union Bankshares, Inc. ( NASDAQ:UNB ) is up 32% in the last quarter. But that...

Aufschlüsselung der Einnahmen und Ausgaben

Wie Union Bankshares Geld verdient und ausgibt. Basierend auf den neuesten gemeldeten Einnahmen der letzten zwölf Monate.

Gewinn- und Umsatzhistorie

NasdaqGM:UNB Einnahmen, Ausgaben und Erträge (USD Millions)
DatumEinnahmenGewinnAllgemeine und VerwaltungskostenF&E-Ausgaben
30 Jun 265712330
31 Mar 265512320
31 Dec 255411320
30 Sep 255311300
30 Jun 25499300
31 Mar 25489290
31 Dec 24479280
30 Sep 24469280
30 Jun 244810270
31 Mar 244811260
31 Dec 234811260
30 Sep 234912260
30 Jun 235013260
31 Mar 235013260
31 Dec 224913250
30 Sep 224913250
30 Jun 224913260
31 Mar 224913260
31 Dec 214913250
30 Sep 214914250
30 Jun 214814240
31 Mar 214713230
31 Dec 204513230
30 Sep 204312220
30 Jun 204110220
31 Mar 204010210
31 Dec 194011210
30 Sep 19397240
30 Jun 19387240
31 Mar 19387230
31 Dec 18377230
30 Sep 18379190
30 Jun 18379190
31 Mar 18379180
31 Dec 17368180
30 Sep 17369180
30 Jun 17359180
31 Mar 17359180
31 Dec 16359180
30 Sep 16348170
30 Jun 16338170
31 Mar 16338160
31 Dec 15328160
30 Sep 15328160

Qualität der Erträge: UNB hat hohe Qualitätseinkünfte.

Wachsende Gewinnspanne: UNBDie aktuellen Gewinnspannen (21.2%) sind höher als im letzten Jahr (18.8%).

Analyse von freiem Cashflow und Gewinn

Analyse des Gewinnwachstums in der Vergangenheit

Ergebnisentwicklung: UNBDie Erträge des Unternehmens sind in den letzten 5 Jahren um 6.1% pro Jahr zurückgegangen.

Beschleunigtes Wachstum: UNBDas Gewinnwachstum des Unternehmens im letzten Jahr (31.4%) übertrifft seinen 5-Jahres-Durchschnitt (-6.1% pro Jahr).

Erträge im Vergleich zur Industrie: UNB Das Gewinnwachstum im vergangenen Jahr (31.4%) übertraf das der Branche Banks 24.7% .

Eigenkapitalrendite

Hohe Eigenkapitalrendite: UNBDie Eigenkapitalrendite des Unternehmens (13.4%) wird als niedrig angesehen.

Kapitalrendite

Rendite auf das eingesetzte Kapital

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Unternehmensanalyse und Finanzdaten Status

DatenZuletzt aktualisiert (UTC-Zeit)
Unternehmensanalyse2026/07/28 11:15
Aktienkurs zum Tagesende2026/07/28 00:00
Gewinne2026/06/30
Jährliche Einnahmen2025/12/31

Datenquellen

Die in unserer Unternehmensanalyse verwendeten Daten stammen von S&P Global Market Intelligence LLC. Die folgenden Daten werden in unserem Analysemodell verwendet, um diesen Bericht zu erstellen. Die Daten sind normalisiert, was zu einer Verzögerung bei der Verfügbarkeit der Quelle führen kann.

PaketDatenZeitrahmenBeispiel US-Quelle *
Finanzdaten des Unternehmens10 Jahre
  • Gewinn- und Verlustrechnung
  • Kapitalflussrechnung
  • Bilanz
Konsensschätzungen der Analysten+3 Jahre
  • Finanzielle Vorausschau
  • Kursziele der Analysten
Marktpreise30 Jahre
  • Aktienkurse
  • Dividenden, Splits und Aktionen
Eigentümerschaft10 Jahre
  • Top-Aktionäre
  • Insiderhandel
Verwaltung10 Jahre
  • Das Führungsteam
  • Direktorium
Wichtige Entwicklungen10 Jahre
  • Ankündigungen des Unternehmens

* Beispiel für US-Wertpapiere, für nicht-US-amerikanische Wertpapiere werden gleichwertige regulatorische Formulare und Quellen verwendet.

Sofern nicht anders angegeben, beziehen sich alle Finanzdaten auf einen Jahreszeitraum, werden aber vierteljährlich aktualisiert. Dies wird als Trailing Twelve Month (TTM) oder Last Twelve Month (LTM) Daten bezeichnet. Erfahren Sie mehr.

Analysemodell und Schneeflocke

Details zum Analysemodell, mit dem dieser Bericht erstellt wurde, finden Sie auf unserer Github-Seite; außerdem bieten wir Leitfäden zur Nutzung unserer Berichte und Tutorials auf Youtube an.

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Analysten-Quellen

Union Bankshares, Inc. wird von 0 Analysten beobachtet. 0 dieser Analysten hat die Umsatz- oder Gewinnschätzungen übermittelt, die als Grundlage für unseren Bericht dienen. Die von den Analysten übermittelten Daten werden im Laufe des Tages aktualisiert.