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

NASDAQ:UNB • US9054001071

24.06 USD
-0.2 (-0.82%)
Last: Mar 5, 2026, 08:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Overall UNB gets a fundamental rating of 3 out of 10. We evaluated UNB against 379 industry peers in the Banks industry. Both the profitability and financial health of UNB have multiple concerns. UNB has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M

1.2 Ratios

  • UNB has a worse Return On Assets (0.72%) than 66.75% of its industry peers.
  • UNB has a better Return On Equity (14.59%) than 92.08% of its industry peers.
Industry RankSector 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
UNB Yearly ROA, ROE, ROICUNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 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 21.12%, UNB is doing worse than 65.17% of the companies in the same industry.
  • In the last couple of years the Profit Margin of UNB has declined.
  • 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) 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
UNB Yearly Profit, Operating, Gross MarginsUNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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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.
  • Compared to 1 year ago, UNB has an improved debt to assets ratio.
UNB Yearly Shares OutstandingUNB Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • UNB has a debt to FCF ratio of 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.87, UNB is in the better half of the industry, outperforming 70.71% of the companies in the same industry.
  • UNB has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.21, UNB perfoms like the industry average, outperforming 41.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.87
Altman-Z N/A
ROIC/WACCN/A
WACC12.05%
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 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 5M 10M 15M

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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 27.64% over the past year.
  • Measured over the past years, UNB shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.17% on average per year.
  • UNB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.05%.
  • 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.
UNB Yearly Revenue VS EstimatesUNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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

4. UNB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.74, the valuation of UNB can be described as reasonable.
  • Based on the Price/Earnings ratio, UNB is valued cheaply inside the industry as 81.79% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.74. UNB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.74
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

  • UNB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UNB is cheaper than 90.24% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.89
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

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

6

5. UNB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.87%, UNB is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.73, UNB pays a better dividend. On top of this UNB pays more dividend than 93.14% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, UNB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.87%

5.2 History

  • The dividend of UNB has a limited annual growth rate of 3.09%.
  • UNB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of UNB decreased 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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.
  • The Dividend Rate of UNB has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP57.02%
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 0 10M 20M
UNB Dividend Payout.UNB Dividend Payout, showing the Payout Ratio.UNB Dividend Payout.PayoutRetained Earnings

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UNB Fundamentals: All Metrics, Ratios and Statistics

UNION BANKSHARES INC /VT

NASDAQ:UNB (3/5/2026, 8:24:54 PM)

24.06

-0.2 (-0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-14
Inst Owners23.5%
Inst Owner Change-17.02%
Ins Owners2.07%
Ins Owner Change-1.51%
Market Cap110.19M
Revenue(TTM)53.65M
Net Income(TTM)11.33M
Analysts0
Price TargetN/A
Short Float %2.49%
Short Ratio6.4
Dividend
Industry RankSector Rank
Dividend Yield 5.87%
Yearly Dividend1.42
Dividend Growth(5Y)3.09%
DP57.02%
Div Incr Years0
Div Non Decr Years1
Ex-Date01-30
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 9.74
Fwd PE N/A
P/S 2.05
P/FCF 5.89
P/OCF 5.56
P/B 1.42
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)2.47
EY10.27%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.09
FCFY16.98%
OCF(TTM)4.33
OCFY17.98%
SpS11.71
BVpS16.96
TBVpS16.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.7
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 14.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.12%
GM N/A
FCFM 34.87%
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
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-12.35%
PM growth 5Y-6.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.87
Debt/EBITDA N/A
Cap/Depr 69.69%
Cap/Sales 2.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 165.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.05%
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)27.64%
EPS 3Y-12.99%
EPS 5Y-4.17%
EPS Q2Q%157.09%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.05%
Revenue growth 3Y-0.4%
Revenue growth 5Y3.38%
Sales Q2Q%101.45%
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 1Y67.5%
FCF growth 3Y-24.44%
FCF growth 5Y16.24%
OCF growth 1Y58.91%
OCF growth 3Y-25.33%
OCF growth 5Y0.86%

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 9.74 and the Price/Book (PB) ratio is 1.42.