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UNB

Union Bankshares NasdaqGM:UNB Stock Report

Last Price

US$27.04

Market Cap

US$119.4m

7D

-2.4%

1Y

-23.8%

Updated

15 Aug, 2022

Data

Company Financials
UNB fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance3/6
Financial Health6/6
Dividends5/6

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.

Rewards

Trading at 63.5% below our estimate of its fair value

Pays a high and reliable dividend of 5.18%

Risk Analysis

No risks detected for UNB from our risk checks.

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$27.04
52 Week HighUS$35.74
52 Week LowUS$24.82
Beta0.78
1 Month Change0.66%
3 Month Change-6.96%
1 Year Change-23.84%
3 Year Change-5.46%
5 Year Change-34.06%
Change since IPO211.97%

Recent News & Updates

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).

Shareholder Returns

UNBUS BanksUS Market
7D-2.4%6.1%3.6%
1Y-23.8%-10.2%-9.6%

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

Return vs Market: UNB underperformed the US Market which returned -10.2% over the past year.

Price Volatility

Is UNB's price volatile compared to industry and market?
UNB volatility
UNB Average Weekly Movement4.5%
Banks Industry Average Movement3.7%
Market Average Movement7.7%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

Stable Share Price: UNB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: UNB's weekly volatility (4%) 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$119.36m
Earnings (TTM)US$12.72m
Revenue (TTM)US$48.63m

9.6x

P/E Ratio

2.0x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
UNB income statement (TTM)
RevenueUS$48.63m
Cost of RevenueUS$0
Gross ProfitUS$48.63m
Other ExpensesUS$35.92m
EarningsUS$12.72m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)2.83
Gross Margin100.00%
Net Profit Margin26.15%
Debt/Equity Ratio27.0%

How did UNB perform over the long term?

See historical performance and comparison

Dividends

5.2%

Current Dividend Yield

48%

Payout Ratio