A Business at a Glance
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Certain Definitions: Capitalized terms used in the following discussion and not otherwise defined below have the meanings assigned to them in Note 1 to the Company's audited consolidated financial statements contained in Part II, item 8, page 54 of this Annual Report. General: Union Bankshares, Inc. (“ Company”) is a one-bank holding company whose sole subsidiary is Union Bank (“ Union”). It was incorporated in the State of Vermont in 1982 to serve as a holding company for Union Bank. The Company's common stock is traded on the NASDAQ Global Market under the symbol "UNB". Union Bank was organized and chartered as a State bank in 1891 and became a wholly owned subsidiary of the Company upon completion of the holding company reorganization in 1982. Both Union Bankshares, Inc. and Union Bank are headquartered in Morrisville, Vermont. The Company's business is that of a community bank in the financial services industry.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 54M | 48M | 48M | 49M | 49M | 48M |
| Net Income | 11M | 8.8M | 11M | 13M | 13M | 13M |
| EPS | $2.47 | $1.92 | $2.48 | $2.79 | $2.92 | $2.85 |
| Free Cash Flow | 19M | 11M | 7.2M | 28M | 26M | -8.1M |
| ROIC | 14.6% | 13.2% | 17.1% | 22.8% | 15.6% | 15.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 21.99 | 21.32 | 23.20 | 13.29 | 12.52 |
| Dividends/Share | $1.43 | $1.44 | $1.44 | $1.40 | $1.32 | $1.28 |
| Operating Income | 959K | 996K | 607K | 781K | 704K | 953K |
| Operating Margin | 1.8% | 2.1% | 1.3% | 1.6% | 1.4% | 2.0% |
| ROE | 14.6% | 13.2% | 17.1% | 22.8% | 15.6% | 15.8% |
| Shares Outstanding | 5M | 5M | 5M | 5M | 5M | 4M |
UNION BANKSHARES INC passes 3 of 9 quality checks, indicating weak fundamentals.
UNION BANKSHARES INC trades at 9.9x trailing earnings, compared to its 15-year median P/E of 11.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 6.0x vs a median of 11.1x. The company's 5-year average ROIC is 16.9%. Total shareholder yield (dividends) is 5.8%. At current prices, the estimated annualized return to fair value is +10.5%.
UNION BANKSHARES INC (UNB) has a current P/E ratio of 9.9, compared to its historical median P/E of 11.2. The stock is currently considered Fair based on its historical valuation range.
UNION BANKSHARES INC (UNB) has a 5-year average return on invested capital (ROIC) of 16.9%. This indicates strong capital allocation and a potential competitive advantage.
UNION BANKSHARES INC (UNB) has a market capitalization of $112M. It is classified as a small-cap stock.
Yes, UNION BANKSHARES INC (UNB) pays a dividend with a trailing twelve-month yield of 5.82%.
Based on historical P/E analysis, UNION BANKSHARES INC (UNB) appears fair. The current P/E of 9.9 is 11% below its historical median of 11.2. The estimated fair value CAGR (P/E method) is 1.0%.
UNION BANKSHARES INC (UNB) operates in the State Commercial Banks industry, within the Financials sector.
UNION BANKSHARES INC (UNB) reported annual revenue of $48 million in its most recent fiscal year, based on SEC EDGAR filings.
UNION BANKSHARES INC (UNB) has a net profit margin of 18.2%. This is a healthy margin.
UNION BANKSHARES INC (UNB) generated $11 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UNION BANKSHARES INC (UNB) has a debt-to-equity ratio of 21.99. This indicates higher leverage, which may increase financial risk.
UNION BANKSHARES INC (UNB) reported earnings per share (EPS) of $1.92 in its most recent fiscal year.
UNION BANKSHARES INC (UNB) has a return on equity (ROE) of 13.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for UNION BANKSHARES INC (UNB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UNION BANKSHARES INC (UNB) has a book value per share of $14.57, based on its most recent annual SEC filing.
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