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UNION BANKSHARES INC /VT (UNB) Stock Fundamental Analysis

NASDAQ:UNB - Nasdaq - US9054001071 - Common Stock - Currency: USD

33.99  -0.44 (-1.28%)

Fundamental Rating

3

Overall UNB gets a fundamental rating of 3 out of 10. We evaluated UNB against 395 industry peers in the Banks industry. UNB has a bad profitability rating. Also its financial health evaluation is rather negative. UNB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

UNB had positive earnings in the past year.
In the past year UNB had a positive cash flow from operations.
UNB had positive earnings in each of the past 5 years.
UNB had a positive operating cash flow in 4 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M

1.2 Ratios

UNB has a worse Return On Assets (0.57%) than 71.39% of its industry peers.
UNB has a Return On Equity of 13.18%. This is amongst the best in the industry. UNB outperforms 87.85% of its industry peers.
Industry RankSector Rank
ROA 0.57%
ROE 13.18%
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
UNB Yearly ROA, ROE, ROICUNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 18.22%, UNB is doing worse than 67.34% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 18.22%
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
UNB Yearly Profit, Operating, Gross MarginsUNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

UNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
UNB has more shares outstanding than it did 1 year ago.
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.
UNB Yearly Shares OutstandingUNB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
UNB Yearly Total Debt VS Total AssetsUNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of UNB is 1.47, which is an excellent value as it means it would take UNB, only 1.47 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UNB (1.47) is better than 61.77% of its industry peers.
UNB has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
UNB has a worse Debt to Equity ratio (0.24) than 63.29% of its industry peers.
Even though the debt/equity ratio score it not favorable for UNB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.47
Altman-Z N/A
ROIC/WACCN/A
WACC11.62%
UNB Yearly LT Debt VS Equity VS FCFUNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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1

3. Growth

3.1 Past

UNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.08%.
The Earnings Per Share has been growing by 9.31% on average over the past years. This is quite good.
The Revenue has decreased by -1.37% in the past year.
The Revenue has been growing slightly by 4.63% on average over the past years.
EPS 1Y (TTM)-11.08%
EPS 3Y-4.52%
EPS 5Y9.31%
EPS Q2Q%N/A
Revenue 1Y (TTM)-1.37%
Revenue growth 3Y0.1%
Revenue growth 5Y4.63%
Sales Q2Q%9.72%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
UNB Yearly EPS VS EstimatesUNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 0.5 1 1.5 2 2.5

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.60, UNB is valued correctly.
Based on the Price/Earnings ratio, UNB is valued a bit more expensive than the industry average as 60.51% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 24.83. UNB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.6
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 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.93
EV/EBITDA N/A
UNB Per share dataUNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.46
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

UNB has a Yearly Dividend Yield of 4.22%, which is a nice return.
Compared to an average industry Dividend Yield of 3.42, UNB pays a bit more dividend than its industry peers.
UNB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 4.22%

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
UNB Yearly Dividends per shareUNB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

UNB pays out 73.55% of its income as dividend. This is not a sustainable payout ratio.
UNB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP73.55%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M
UNB Dividend Payout.UNB Dividend Payout, showing the Payout Ratio.UNB Dividend Payout.PayoutRetained Earnings

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UNION BANKSHARES INC /VT

NASDAQ:UNB (5/13/2025, 11:32:11 AM)

33.99

-0.44 (-1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-15 2025-07-15
Inst Owners19.77%
Inst Owner Change2.86%
Ins Owners1.76%
Ins Owner Change7.42%
Market Cap154.31M
Analysts0
Price TargetN/A
Short Float %1.56%
Short Ratio5.32
Dividend
Industry RankSector Rank
Dividend Yield 4.22%
Yearly Dividend1.42
Dividend Growth(5Y)3.09%
DP73.55%
Div Incr Years0
Div Non Decr Years1
Ex-Date04-25 2025-04-25 (0.36)
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 13.6
Fwd PE N/A
P/S 3.21
P/FCF 13.93
P/OCF 12.7
P/B 2.32
P/tB 2.32
EV/EBITDA N/A
EPS(TTM)2.5
EY7.36%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.44
FCFY7.18%
OCF(TTM)2.68
OCFY7.87%
SpS10.59
BVpS14.64
TBVpS14.64
PEG (NY)N/A
PEG (5Y)1.46
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 13.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.22%
GM N/A
FCFM 23.04%
ROA(3y)0.76%
ROA(5y)0.91%
ROE(3y)17.72%
ROE(5y)16.92%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.47
Debt/EBITDA N/A
Cap/Depr 67.23%
Cap/Sales 2.23%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.62%
ROIC/WACCN/A
Cap/Depr(3y)74.39%
Cap/Depr(5y)91.39%
Cap/Sales(3y)2.56%
Cap/Sales(5y)3.4%
Profit Quality(3y)138.52%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-11.08%
EPS 3Y-4.52%
EPS 5Y9.31%
EPS Q2Q%N/A
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.37%
Revenue growth 3Y0.1%
Revenue growth 5Y4.63%
Sales Q2Q%9.72%
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 1Y52.93%
FCF growth 3Y-24.44%
FCF growth 5Y16.24%
OCF growth 1Y32.21%
OCF growth 3Y-25.33%
OCF growth 5Y0.86%