Union Bankshares, Inc.

NasdaqGM:UNB Rapport sur les actions

Capitalisation boursière : US$109.8m

Union Bankshares Croissance future

Future contrôle des critères 0/6

Nous ne disposons actuellement pas d'une couverture d'analyste suffisante pour prévoir la croissance et les revenus de Union Bankshares.

Informations clés

n/a

Taux de croissance des bénéfices

n/a

Taux de croissance du BPA

Banks croissance des bénéfices8.2%
Taux de croissance des recettesn/a
Rendement futur des capitaux propresn/a
Couverture par les analystes

None

Dernière mise à journ/a

Mises à jour récentes de la croissance future

Pas de mise à jour

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
Article d’analyse • 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...
Article d’analyse • 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...
Article d’analyse • 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...
Article d’analyse • 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
Article d’analyse • 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...
Article d’analyse • 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...
Article d’analyse • 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...
Article d’analyse • 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...
Article d’analyse • 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).
Article d’analyse • 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...
Article d’analyse • 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...
Article d’analyse • 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...
Article d’analyse • 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...
Article d’analyse • 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...

Dans cette section, nous présentons généralement des projections de croissance du chiffre d'affaires et des bénéfices basées sur les estimations consensuelles d'analystes professionnels afin d'aider les investisseurs à comprendre la capacité de l'entreprise à générer des bénéfices. Mais comme Union Bankshares n'a pas fourni suffisamment de données passées et n'a pas de prévisions d'analystes, ses bénéfices futurs ne peuvent pas être calculés de manière fiable en extrapolant les données passées ou en utilisant les prévisions des analystes.

Il s'agit d'une situation assez rare car 97% des entreprises couvertes par SimplyWall St disposent de données financières passées.

Prévisions de croissance des bénéfices et des revenus

NasdaqGM:UNB - Estimations futures des analystes et données financières antérieures (USD Millions )
DateRecettesLes revenusFlux de trésorerie disponibleCash from OpMoy. Nombre d'analystes
3/31/202655121516N/A
12/31/202554111617N/A
9/30/202553111920N/A
6/30/20254991011N/A
3/31/20254891414N/A
12/31/20244791112N/A
9/30/202446989N/A
6/30/2024481069N/A
3/31/2024481179N/A
12/31/2023481179N/A
9/30/202349121112N/A
6/30/202350131818N/A
3/31/202350131616N/A
12/31/202249132829N/A
9/30/202249132425N/A
6/30/202249134748N/A
3/31/202249134549N/A
12/31/202149132629N/A
9/30/202149142932N/A
6/30/202148141417N/A
3/31/20214713-6-5N/A
12/31/20204513-8-7N/A
9/30/20204312-3-1N/A
6/30/20204110-20-18N/A
3/31/20204010-14N/A
12/31/20194011N/A12N/A
9/30/2019397N/A8N/A
6/30/2019387N/A12N/A
3/31/2019387N/A9N/A
12/31/2018377N/A17N/A
9/30/2018379N/A9N/A
6/30/2018379N/A8N/A
3/31/2018379N/A11N/A
12/31/2017368N/A10N/A
9/30/2017369N/A14N/A
6/30/2017359N/A13N/A
3/31/2017359N/A14N/A
12/31/2016359N/A8N/A
9/30/2016348N/A7N/A
6/30/2016338N/A7N/A
3/31/2016338N/A11N/A
12/31/2015328N/A13N/A
9/30/2015328N/A8N/A
6/30/2015328N/A9N/A

Prévisions de croissance des analystes

Taux de revenus par rapport au taux d'épargne: Données insuffisantes pour déterminer si la croissance des bénéfices prévue de UNB est supérieure au taux d'épargne ( 3.5% ).

Bénéfices vs marché: Données insuffisantes pour déterminer si les bénéfices de UNB devraient croître plus rapidement que le marché US

Croissance élevée des bénéfices: Données insuffisantes pour déterminer si les bénéfices de UNB devraient augmenter de manière significative au cours des 3 prochaines années.

Chiffre d'affaires vs marché: Données insuffisantes pour déterminer si les revenus de UNB devraient croître plus rapidement que le marché US.

Croissance élevée des revenus: Données insuffisantes pour déterminer si les revenus de UNB devraient croître plus rapidement que 20% par an.

Prévisions de croissance du bénéfice par action

Rendement futur des capitaux propres

ROE futur: Données insuffisantes pour déterminer si le retour sur capitaux propres de UNB devrait être élevé dans 3 ans

Découvrir les entreprises en croissance

7D

1Y

7D

1Y

7D

1Y

Analyse de l'entreprise et données financières

DonnéesDernière mise à jour (heure UTC)
Analyse de l'entreprise2026/05/24 20:25
Cours de l'action en fin de journée2026/05/22 00:00
Les revenus2026/03/31
Revenus annuels2025/12/31

Sources de données

Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.

PaquetDonnéesCadre temporelExemple de source américaine *
Finances de l'entreprise10 ans
  • Compte de résultat
  • Tableau des flux de trésorerie
  • Bilan
Estimations consensuelles des analystes+3 ans
  • Prévisions financières
  • Objectifs de prix des analystes
Prix du marché30 ans
  • Cours des actions
  • Dividendes, scissions et actions
Propriété10 ans
  • Actionnaires principaux
  • Délits d'initiés
Gestion10 ans
  • L'équipe dirigeante
  • Conseil d'administration
Principaux développements10 ans
  • Annonces de l'entreprise

* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.

Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.

Modèle d'analyse et flocon de neige

Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.

Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.

Indicateurs de l'industrie et du secteur

Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.

Sources des analystes

Union Bankshares, Inc. est couverte par 0 analystes. 0 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.