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UNB

Union Bankshares NasdaqGM:UNB Stock Report

Last Price

US$26.46

Market Cap

US$117.1m

7D

0.6%

1Y

-14.7%

Updated

07 Feb, 2023

Data

Company Financials

Union Bankshares, Inc.

NasdaqGM:UNB Stock Report

Mkt Cap: US$117.1m

UNB Stock Overview

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire.

UNB fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance3/6
Financial Health5/6
Dividends5/6

Rewards

Trading at 49.5% below our estimate of its fair value

Pays a high and reliable dividend of 5.44%

Risk Analysis

No risks detected for UNB from our risk checks.

My Notes

New

Notes are coming soon

Union Bankshares, Inc. Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Union Bankshares
Historical stock prices
Current Share PriceUS$26.46
52 Week HighUS$32.00
52 Week LowUS$21.29
Beta0.79
1 Month Change11.34%
3 Month Change10.18%
1 Year Change-14.66%
3 Year Change-21.55%
5 Year Change-48.03%
Change since IPO205.25%

Recent News & Updates

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

Jan 22
Union Bankshares (NASDAQ:UNB) Is Paying Out A Larger Dividend Than Last Year

Recent updates

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

Jan 22
Union Bankshares (NASDAQ:UNB) Is Paying Out A Larger Dividend Than Last Year

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

Oct 19

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

Aug 28

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

Jul 20

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

Jan 23
Union Bankshares (NASDAQ:UNB) Has Announced That It Will Be Increasing Its Dividend To US$0.35

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

May 13
Shareholders Will Probably Hold Off On Increasing Union Bankshares, Inc.'s (NASDAQ:UNB) CEO Compensation For The Time Being

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

Mar 09
If You Like EPS Growth Then Check Out Union Bankshares (NASDAQ:UNB) Before It's Too Late

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

Feb 02
Are You An Income Investor? Don't Miss Out On Union Bankshares, Inc. (NASDAQ:UNB)

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

Dec 09
Union Bankshares' (NASDAQ:UNB) Stock Price Has Reduced 48% In The Past Three Years

Shareholder Returns

UNBUS BanksUS Market
7D0.6%1.5%0.9%
1Y-14.7%-18.0%-10.9%

Return vs Industry: UNB exceeded the US Banks industry which returned -18% over the past year.

Return vs Market: UNB underperformed the US Market which returned -10.9% over the past year.

Price Volatility

Is UNB's price volatile compared to industry and market?
UNB volatility
UNB Average Weekly Movement4.7%
Banks Industry Average Movement3.8%
Market Average Movement6.7%
10% most volatile stocks in US Market17.5%
10% least volatile stocks in US Market2.8%

Stable Share Price: UNB is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: UNB's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1891194David Silvermanhttps://www.ublocal.com

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; home improvement loans and overdraft; and residential construction and mortgage loans.

Union Bankshares, Inc. Fundamentals Summary

How do Union Bankshares's earnings and revenue compare to its market cap?
UNB fundamental statistics
Market CapUS$117.09m
Earnings (TTM)US$12.55m
Revenue (TTM)US$48.13m

9.5x

P/E Ratio

2.4x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
UNB income statement (TTM)
RevenueUS$48.13m
Cost of RevenueUS$0
Gross ProfitUS$48.13m
Other ExpensesUS$35.58m
EarningsUS$12.55m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)2.79
Gross Margin100.00%
Net Profit Margin26.07%
Debt/Equity Ratio82.8%

How did UNB perform over the long term?

See historical performance and comparison

Dividends

5.4%

Current Dividend Yield

49%

Payout Ratio