UNION BANKSHARES INC /VT (UNB) Fundamental Analysis & Valuation

NASDAQ:UNB • US9054001071

Current stock price

24.79 USD
+0.16 (+0.65%)
Last:

This UNB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. UNB Profitability Analysis

1.1 Basic Checks

  • UNB had positive earnings in the past year.
  • UNB had a positive operating cash flow in the past year.
  • Each year in the past 5 years UNB has been profitable.
  • UNB had a positive operating cash flow in each of the past 5 years.
UNB Yearly Net Income VS EBIT VS OCF VS FCFUNB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M

1.2 Ratios

  • UNB has a worse Return On Assets (0.69%) than 75.80% of its industry peers.
  • UNB's Return On Equity of 13.70% is amongst the best of the industry. UNB outperforms 89.89% of its industry peers.
Industry RankSector Rank
ROA 0.69%
ROE 13.7%
ROIC N/A
ROA(3y)0.67%
ROA(5y)0.81%
ROE(3y)14.66%
ROE(5y)16.49%
ROIC(3y)N/A
ROIC(5y)N/A
UNB Yearly ROA, ROE, ROICUNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • With a Profit Margin value of 20.34%, UNB is not doing good in the industry: 70.48% of the companies in the same industry are doing better.
  • UNB's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for UNB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.94%
PM growth 5Y-5.45%
GM growth 3YN/A
GM growth 5YN/A
UNB Yearly Profit, Operating, Gross MarginsUNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. UNB Health Analysis

2.1 Basic Checks

  • UNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for UNB has been increased compared to 1 year ago.
  • The number of shares outstanding for UNB has been increased compared to 5 years ago.
  • UNB has a better debt/assets ratio than last year.
UNB Yearly Shares OutstandingUNB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M
UNB Yearly Total Debt VS Total AssetsUNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • UNB has a debt to FCF ratio of 1.02. This is a very positive value and a sign of high solvency as it would only need 1.02 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.02, UNB is doing good in the industry, outperforming 68.62% of the companies in the same industry.
  • A Debt/Equity ratio of 0.20 indicates that UNB is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.20, UNB perfoms like the industry average, outperforming 42.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.02
Altman-Z N/A
ROIC/WACCN/A
WACC10.46%
UNB Yearly LT Debt VS Equity VS FCFUNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UNB Yearly Current Assets VS Current LiabilitesUNB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. UNB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 25.43% over the past year.
  • UNB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.27% yearly.
  • The Revenue has grown by 13.30% in the past year. This is quite good.
  • Measured over the past years, UNB shows a small growth in Revenue. The Revenue has been growing by 2.74% on average per year.
EPS 1Y (TTM)25.43%
EPS 3Y-4.72%
EPS 5Y-3.27%
EPS Q2Q%-9.43%
Revenue 1Y (TTM)13.3%
Revenue growth 3Y4.02%
Revenue growth 5Y2.74%
Sales Q2Q%101.41%

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.
UNB Yearly Revenue VS EstimatesUNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
UNB Yearly EPS VS EstimatesUNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 0.5 1 1.5 2 2.5

More info and screens

Find the best growth stocksShow best growing peers

4

4. UNB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.29, which indicates a very decent valuation of UNB.
  • Based on the Price/Earnings ratio, UNB is valued a bit cheaper than 77.66% of the companies in the same industry.
  • UNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
Industry RankSector Rank
PE 10.29
Fwd PE N/A
UNB Price Earnings VS Forward Price EarningsUNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UNB indicates a rather cheap valuation: UNB is cheaper than 86.97% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.16
EV/EBITDA N/A
UNB Per share dataUNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. UNB Dividend Analysis

5.1 Amount

  • UNB has a Yearly Dividend Yield of 5.85%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.56, UNB pays a better dividend. On top of this UNB pays more dividend than 97.34% 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 1.81.
Industry RankSector Rank
Dividend Yield 5.85%

5.2 History

  • The dividend of UNB has a limited annual growth rate of 2.30%.
  • UNB has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of UNB decreased in the last 3 years.
Dividend Growth(5Y)2.3%
Div Incr Years0
Div Non Decr Years2
UNB Yearly Dividends per shareUNB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 58.49% 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.
DP58.49%
EPS Next 2YN/A
EPS Next 3YN/A
UNB Yearly Income VS Free CF VS DividendUNB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M
UNB Dividend Payout.UNB Dividend Payout, showing the Payout Ratio.UNB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

UNB Fundamentals: All Metrics, Ratios and Statistics

UNION BANKSHARES INC /VT

NASDAQ:UNB (4/24/2026, 8:12:29 PM)

24.79

+0.16 (+0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15
Earnings (Next)07-14
Inst Owners20.41%
Inst Owner Change1.7%
Ins Owners1.58%
Ins Owner Change7.6%
Market Cap114.28M
Revenue(TTM)54.48M
Net Income(TTM)11.08M
Analysts0
Price TargetN/A
Short Float %2.65%
Short Ratio9.7
Dividend
Industry RankSector Rank
Dividend Yield 5.85%
Yearly Dividend1.42
Dividend Growth(5Y)2.3%
DP58.49%
Div Incr Years0
Div Non Decr Years2
Ex-Date04-27
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.29
Fwd PE N/A
P/S 2.1
P/FCF 7.16
P/OCF 6.63
P/B 1.41
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)2.41
EY9.72%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.46
FCFY13.98%
OCF(TTM)3.74
OCFY15.07%
SpS11.82
BVpS17.54
TBVpS17.54
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.8409 (24.41%)
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 13.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.34%
GM N/A
FCFM 29.32%
ROA(3y)0.67%
ROA(5y)0.81%
ROE(3y)14.66%
ROE(5y)16.49%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.94%
PM growth 5Y-5.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.02
Debt/EBITDA N/A
Cap/Depr 76.82%
Cap/Sales 2.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 144.15%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.46%
ROIC/WACCN/A
Cap/Depr(3y)87.6%
Cap/Depr(5y)96.95%
Cap/Sales(3y)2.87%
Cap/Sales(5y)3.44%
Profit Quality(3y)111.66%
Profit Quality(5y)150.94%
High Growth Momentum
Growth
EPS 1Y (TTM)25.43%
EPS 3Y-4.72%
EPS 5Y-3.27%
EPS Q2Q%-9.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.3%
Revenue growth 3Y4.02%
Revenue growth 5Y2.74%
Sales Q2Q%101.41%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y44.15%
FCF growth 3Y-17.42%
FCF growth 5YN/A
OCF growth 1Y41.76%
OCF growth 3Y-15.97%
OCF growth 5YN/A

UNION BANKSHARES INC /VT / UNB Fundamental Analysis 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.


Can you provide the profitability details for UNION BANKSHARES INC /VT?

UNION BANKSHARES INC /VT (UNB) has a profitability rating of 3 / 10.


Can you provide the dividend sustainability for UNB stock?

The dividend rating of UNION BANKSHARES INC /VT (UNB) is 6 / 10 and the dividend payout ratio is 58.49%.