24.24 USD
+0.31 (+1.3%)
Overall UNB gets a fundamental rating of 3 out of 10. We evaluated UNB against 383 industry peers in the Banks industry. UNB may be in some trouble as it scores bad on both profitability and health. UNB has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year UNB was profitable.
- UNB had a positive operating cash flow in the past year.
- In the past 5 years UNB has always been profitable.
- UNB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- UNB has a worse Return On Assets (0.72%) than 64.23% of its industry peers.
- UNB's Return On Equity of 14.59% is amongst the best of the industry. UNB outperforms 92.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 14.59% | ||
| ROIC | N/A |
ROA(3y)0.76%
ROA(5y)0.91%
ROE(3y)17.72%
ROE(5y)16.92%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 21.12%, UNB is not doing good in the industry: 63.71% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of UNB has declined.
- UNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.12% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.35%
PM growth 5Y-6.97%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- UNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, UNB has more shares outstanding
- The number of shares outstanding for UNB has been increased compared to 5 years ago.
- The debt/assets ratio for UNB has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of UNB is 0.87, which is an excellent value as it means it would take UNB, only 0.87 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of UNB (0.87) is better than 70.50% of its industry peers.
- A Debt/Equity ratio of 0.21 indicates that UNB is not too dependend on debt financing.
- UNB has a Debt to Equity ratio (0.21) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 27.64% over the past year.
- UNB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.17% yearly.
- Looking at the last year, UNB shows a quite strong growth in Revenue. The Revenue has grown by 15.05% in the last year.
- Measured over the past years, UNB shows a small growth in Revenue. The Revenue has been growing by 3.38% on average per year.
EPS 1Y (TTM)27.64%
EPS 3Y-12.99%
EPS 5Y-4.17%
EPS Q2Q%157.09%
Revenue 1Y (TTM)15.05%
Revenue growth 3Y-0.4%
Revenue growth 5Y3.38%
Sales Q2Q%101.45%
3.2 Future
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 9.81, the valuation of UNB can be described as very reasonable.
- Based on the Price/Earnings ratio, UNB is valued cheaper than 83.55% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.25, UNB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.81 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, UNB is valued cheaper than 91.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.93 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.02%, UNB is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.64, UNB pays a better dividend. On top of this UNB pays more dividend than 96.08% of the companies listed in the same industry.
- UNB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.02% |
5.2 History
- The dividend of UNB has a limited annual growth rate of 3.09%.
- UNB has paid a dividend for at least 10 years, which is a reliable track record.
- UNB has decreased its dividend recently.
Dividend Growth(5Y)3.09%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
- 57.02% of the earnings are spent on dividend by UNB. This is a bit on the high side, but may be sustainable.
- UNB's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP57.02%
EPS Next 2YN/A
EPS Next 3YN/A
UNION BANKSHARES INC /VT / UNB FAQ
What is the ChartMill fundamental rating of UNION BANKSHARES INC /VT (UNB) stock?
ChartMill assigns a fundamental rating of 3 / 10 to UNB.
What is the valuation status of UNION BANKSHARES INC /VT (UNB) stock?
ChartMill assigns a valuation rating of 4 / 10 to UNION BANKSHARES INC /VT (UNB). This can be considered as Fairly Valued.
How profitable is UNION BANKSHARES INC /VT (UNB) stock?
UNION BANKSHARES INC /VT (UNB) has a profitability rating of 3 / 10.
What is the valuation of UNION BANKSHARES INC /VT based on its PE and PB ratios?
The Price/Earnings (PE) ratio for UNION BANKSHARES INC /VT (UNB) is 9.81 and the Price/Book (PB) ratio is 1.43.