Union Bankshares, Inc.

NasdaqGM:UNB Stok Raporu

Piyasa değeri: US$107.9m

Union Bankshares Gelecekteki Büyüme

Future kriter kontrolleri 0/6

Şu anda Union Bankshares için büyüme ve gelir tahmini yapmak üzere yeterli analist kapsamımız yok.

Anahtar bilgiler

n/a

Kazanç büyüme oranı

n/a

EPS büyüme oranı

Banks kazanç büyümesi8.1%
Gelir büyüme oranın/a
Gelecekteki özkaynak getirisin/a
Analist kapsamı

None

Son güncellemen/a

Gelecekteki son büyüme güncellemeleri

Güncelleme yok

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
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • 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
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • 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).
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • 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...

Bu bölümde, yatırımcıların şirketin kâr elde etme kabiliyetini anlamalarına yardımcı olmak için genellikle profesyonel analistlerin fikir birliği tahminlerine dayanan gelir ve kazanç büyüme tahminlerini sunuyoruz. Ancak Union Bankshares yeterli geçmiş veri sağlamadığından ve analist tahmini olmadığından, gelecekteki kazançları geçmiş verileri ekstrapole ederek veya analist tahminlerini kullanarak güvenilir bir şekilde hesaplanamaz.

SimplyWall St tarafından kapsanan şirketlerin %97'si geçmiş finansal verilere sahip olduğu için bu oldukça nadir bir durumdur.

Kazanç ve Gelir Büyüme Tahminleri

NasdaqGM:UNB - Analistlerin gelecek tahminleri ve geçmiş finansal verileri (USD Millions )
TarihGelirKazançlarSerbest Nakit AkışıFaaliyetlerden NakitAvg. Analist Sayısı
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

Analist Gelecek Büyüme Tahminleri

Kazançlar ve Tasarruf Oranları: UNB 'un tahmini kazanç büyümesinin tasarruf oranının ( 3.5% ) üzerinde olup olmadığını belirlemek için yeterli veri yok.

Kazançlar ve Piyasa: UNB 'un kazançlarının US pazarından daha hızlı büyümesinin öngörülüp öngörülmediğini belirlemek için yeterli veri yok

Yüksek Büyüme Kazançları: UNB şirketinin kazançlarının önümüzdeki 3 yıl içerisinde önemli ölçüde artıp artmayacağını belirlemek için yeterli veri bulunmuyor.

Gelir ve Pazar: UNB şirketinin gelirinin US pazarından daha hızlı büyüyeceğinin tahmin edilip edilmediğini belirlemek için yeterli veri yok.

Yüksek Büyüme Geliri: UNB şirketinin gelirinin yıllık 20% oranından daha hızlı artacağının tahmin edilip edilmediğini belirlemek için yeterli veri yok.

Hisse Başına Kazanç Büyüme Tahminleri

Gelecekteki Özkaynak Getirisi

Gelecekteki ROE: UNB 'un Özsermaye Getirisi'nin 3 yıl içinde yüksek olmasının öngörülüp öngörülmediğini belirlemek için yeterli veri yok

Büyüyen şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/06/09 15:52
Gün Sonu Hisse Fiyatı2026/06/09 00:00
Kazançlar2026/03/31
Yıllık Kazançlar2025/12/31

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.

Analist Kaynakları

Union Bankshares, Inc. 0 Bu analistlerden 0, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.