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NASDAQ: UNB
Union Bankshares Inc Stock

$27.76+0.16 (+0.58%)
Updated Apr 24, 2024
UNB Price
$27.76
Fair Value Price
$39.02
Market Cap
$125.46M
52 Week Low
$20.07
52 Week High
$32.00
P/E
11.1x
P/B
1.91x
P/S
2.86x
PEG
1.58x
Dividend Yield
5.19%
Revenue
$48.25M
Earnings
$11.26M
Gross Margin
100%
Operating Margin
26.69%
Profit Margin
23.3%
Debt to Equity
21.32
Operating Cash Flow
$9M
Beta
0.78
Next Earnings
N/A
Ex-Dividend
Apr 25, 2024
Next Dividend
May 2, 2024

UNB 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. 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. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. It operates 18 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.

Zen Score

Industry Average (33)
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Due Diligence Checks

UNB ($27.76) is undervalued by 28.85% relative to our estimate of its Fair Value price of $39.02 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
UNB ($27.76) is significantly undervalued by 28.85% relative to our estimate of its Fair Value price of $39.02 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
UNB ($27.76) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more UNB due diligence checks available for Premium users.

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UNB News

Valuation

UNB fair value

Fair Value of UNB stock based on Discounted Cash Flow (DCF)
Price
$27.76
Fair Value
$39.02
Undervalued by
28.85%
UNB ($27.76) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
UNB ($27.76) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
UNB ($27.76) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

UNB price to earnings (PE)

For valuing profitable companies with steady earnings
Company
11.1x
Industry
-10.44x
Market
41.27x
UNB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UNB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

UNB price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.91x
Industry
0.99x
UNB is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

UNB price to earnings growth (PEG)

For valuing profitable companies with growth potential
UNB is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

UNB's financial health

Profit margin

Revenue
$12.1M
Net Income
$3.0M
Profit Margin
25.2%
UNB's Earnings (EBIT) of $12.88M... subscribe to Premium to read more.
Interest Coverage Financials
UNB's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.5B
Liabilities
$1.4B
Debt to equity
21.32
UNB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
UNB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$3.0M
Investing
-$3.4M
Financing
$56.7M
UNB's operating cash flow ($9.19M)... subscribe to Premium to read more.
Debt Coverage Financials

UNB vs Bank Stocks

TickerMarket Cap1d %P/EP/B
UNB$125.46M+0.60%11.10x1.91x
CFFI$124.82M-1.49%5.35x0.58x
FGBI$124.80M-0.70%16.10x0.50x
BFIN$126.60M+0.40%13.73x0.81x
FCCO$123.28M-0.25%10.36x0.94x

Union Bankshares Stock FAQ

What is Union Bankshares's quote symbol?

(NASDAQ: UNB) Union Bankshares trades on the NASDAQ under the ticker symbol UNB. Union Bankshares stock quotes can also be displayed as NASDAQ: UNB.

If you're new to stock investing, here's how to buy Union Bankshares stock.

What is the 52 week high and low for Union Bankshares (NASDAQ: UNB)?

(NASDAQ: UNB) Union Bankshares's 52-week high was $32.00, and its 52-week low was $20.07. It is currently -13.25% from its 52-week high and 38.32% from its 52-week low.

How much is Union Bankshares stock worth today?

(NASDAQ: UNB) Union Bankshares currently has 4,519,384 outstanding shares. With Union Bankshares stock trading at $27.76 per share, the total value of Union Bankshares stock (market capitalization) is $125.46M.

Union Bankshares stock was originally listed at a price of $13.33 in Aug 9, 1999. If you had invested in Union Bankshares stock at $13.33, your return over the last 24 years would have been 108.21%, for an annualized return of 3.1% (not including any dividends or dividend reinvestments).

How much is Union Bankshares's stock price per share?

(NASDAQ: UNB) Union Bankshares stock price per share is $27.76 today (as of Apr 24, 2024).

What is Union Bankshares's Market Cap?

(NASDAQ: UNB) Union Bankshares's market cap is $125.46M, as of Apr 25, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Union Bankshares's market cap is calculated by multiplying UNB's current stock price of $27.76 by UNB's total outstanding shares of 4,519,384.
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