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Union Bankshares, Inc.NasdaqGM:UNB 株式レポート

時価総額 US$106.6m
株価
US$23.10
US$29.35
21.3% 割安 内在価値ディスカウント
1Y-21.7%
7D-2.9%
1D
ポートフォリオ価値
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Union Bankshares, Inc.

NasdaqGM:UNB 株式レポート

時価総額:US$106.6m

Union Bankshares(UNB)株式概要

ユニオン・バンクシェアーズはユニオンバンクの銀行持株会社として、米国でリテール、商業、地方銀行の商品とサービスを提供している。 詳細

UNB ファンダメンタル分析
スノーフレーク・スコア
評価4/6
将来の成長0/6
過去の実績4/6
財務の健全性4/6
配当金5/6

UNB Community Fair Values

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Union Bankshares, Inc. 競合他社

価格と性能

株価の高値、安値、推移の概要Union Bankshares
過去の株価
現在の株価US$23.10
52週高値US$29.82
52週安値US$20.65
ベータ0.31
1ヶ月の変化-7.71%
3ヶ月変化-2.45%
1年変化-21.67%
3年間の変化5.57%
5年間の変化-32.69%
IPOからの変化166.54%

最新ニュース

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
分析記事 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...

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
分析記事 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...
分析記事 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...
分析記事 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...
分析記事 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
分析記事 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...
分析記事 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...
分析記事 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...
分析記事 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...
分析記事 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).
分析記事 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...
分析記事 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...
分析記事 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...
分析記事 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...
分析記事 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...

株主還元

UNBUS BanksUS 市場
7D-2.9%-0.4%1.6%
1Y-21.7%19.4%28.5%

業界別リターン: UNB過去 1 年間で19.4 % の収益を上げたUS Banks業界を下回りました。

リターン対市場: UNBは、過去 1 年間で28.5 % のリターンを上げたUS市場を下回りました。

価格変動

Is UNB's price volatile compared to industry and market?
UNB volatility
UNB Average Weekly Movement4.5%
Banks Industry Average Movement3.2%
Market Average Movement7.2%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.0%

安定した株価: UNB 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。

時間の経過による変動: UNBの 週次ボラティリティ ( 4% ) は過去 1 年間安定しています。

会社概要

設立従業員CEO(最高経営責任者ウェブサイト
1891195David Silvermanwww.ublocal.com

ユニオン・バンクシェアーズはユニオンバンクの銀行持株会社として、米国でリテール、商業、地方銀行の商品やサービスを提供している。個人向け当座預金、貯蓄預金、マネーマーケット、IRA/SEP/KEOGH、健康貯蓄口座、譲渡性預金などのリテール預金サービスを提供している。また、商業用不動産ローン、事業主や投資家向けの工場・設備、運転資金、不動産改修、その他事業目的の商業用ローン、中小企業管理保証付ローン、住宅建設・住宅ローン、FHLBB信用状を担保とするローンや超過預金を含む地方自治体融資、住宅改良ローン、事前承認信用枠に対する当座貸越特権も提供している。さらに、口座照合、クレジットカード預け入れ、自動手形交換所開設、電信送金、ポジティブ・ペイ、夜間預け入れサービスなどのオンライン・キャッシュ・マネジメント・サービス、売上手形の預け入れと即時与信のためのマーチャント・クレジットカード・サービス、リモート・デポジット・キャプチャー・サービス、オンライン住宅ローン申請および消費者預金口座開設サービスも提供している。さらに、ビジネス向け当座預金口座、信用状、銀行小切手・為替、貸金庫、ATMカード・サービス、デビットカード、請求書支払いを含む電話・インターネット・モバイルバンキングサービス、資産管理・受託・信託サービスも提供している。個人向けにはリテール・バンキング・サービスを、中小企業、有限責任会社、パートナーシップ、個人事業主、非営利団体、地方自治体、学校区にはコマーシャル・バンキング・サービスを提供している。設立は1891年で、バーモント州モリスビルに本社を置く。

Union Bankshares, Inc. 基礎のまとめ

Union Bankshares の収益と売上を時価総額と比較するとどうか。
UNB 基礎統計学
時価総額US$106.58m
収益(TTM)US$11.58m
売上高(TTM)US$55.32m
9.2x
PER(株価収益率
1.3x
PBR(株価純資産倍率

収益と収入

最新の決算報告書(TTM)に基づく主な収益性統計
UNB 損益計算書(TTM)
収益US$55.32m
売上原価US$0
売上総利益US$55.32m
その他の費用US$43.74m
収益US$11.58m

直近の収益報告

Mar 31, 2026

次回決算日

該当なし

一株当たり利益(EPS)2.51
グロス・マージン100.00%
純利益率20.94%
有利子負債/自己資本比率406.3%

UNB の長期的なパフォーマンスは?

過去の実績と比較を見る

配当金

6.2%
現在の配当利回り
57%
配当性向

企業分析と財務データの現状

データ最終更新日(UTC時間)
企業分析2026/05/31 23:35
終値2026/05/29 00:00
収益2026/03/31
年間収益2025/12/31

データソース

企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。

パッケージデータタイムフレーム米国ソース例
会社財務10年
  • 損益計算書
  • キャッシュ・フロー計算書
  • 貸借対照表
アナリストのコンセンサス予想+プラス3年
  • 予想財務
  • アナリストの目標株価
市場価格30年
  • 株価
  • 配当、分割、措置
所有権10年
  • トップ株主
  • インサイダー取引
マネジメント10年
  • リーダーシップ・チーム
  • 取締役会
主な進展10年
  • 会社からのお知らせ

* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用

特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM(Trailing Twelve Month)またはLTM(Last Twelve Month)データとして知られています。詳細はこちら

分析モデルとスノーフレーク

本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドYoutubeのチュートリアルも掲載しています。

シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。

業界およびセクターの指標

私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。

アナリスト筋

Union Bankshares, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0