UNB Fundamental Analysis - UNION BANKSHARES INC /VT

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to UNB. UNB was compared to 395 industry peers in the Banks industry. UNB has a bad profitability rating. Also its financial health evaluation is rather negative. UNB does not seem to be growing, but still is valued expensively.

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1. Profitability

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.

Of the past 5 years UNB 4 years had a positive operating cash flow.

1.2 Ratios

UNB has a Return On Assets of 0.62%. This is in the lower half of the industry: UNB underperforms 68.61% of its industry peers.

UNB has a Return On Equity of 12.94%. This is amongst the best in the industry. UNB outperforms 86.58% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.62%
ROE	12.94%
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

UNB's Profit Margin of 18.38% is on the low side compared to the rest of the industry. UNB is outperformed by 66.84% of its industry peers.

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)	18.38%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

2.2 Solvency

UNB has a debt to FCF ratio of 1.59. This is a very positive value and a sign of high solvency as it would only need 1.59 years to pay back of all of its debts.

With a Debt to FCF ratio value of 1.59, UNB perfoms like the industry average, outperforming 56.96% of the companies in the same industry.

UNB has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.23, UNB is doing worse than 61.77% of the companies in the same industry.

Although UNB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	1.59
Altman-Z	N/A

ROIC/WACCN/A

WACC12.16%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UNB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.61%.

The Earnings Per Share has been decreasing by -4.17% on average over the past years.

The Revenue has been growing slightly by 6.28% in the past 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)-8.61%

EPS 3Y-12.99%

EPS 5Y-4.17%

EPS Q2Q%17.93%

Revenue 1Y (TTM)6.28%

Revenue growth 3Y-0.4%

Revenue growth 5Y3.38%

Sales Q2Q%7.76%

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.

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4. Valuation

4.1 Price/Earnings Ratio

UNB is valuated correctly with a Price/Earnings ratio of 12.83.

The rest of the industry has a similar Price/Earnings ratio as UNB.

Compared to an average S&P500 Price/Earnings ratio of 27.13, UNB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.83
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as UNB.

		Industry Rank	Sector Rank
P/FCF	11.64
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

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.52%, UNB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.17, UNB pays a better dividend. On top of this UNB pays more dividend than 92.91% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.32, UNB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.52%

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

5.3 Sustainability

70.00% of the earnings are spent on dividend by UNB. This is not a sustainable payout ratio.

UNB's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP70%

EPS Next 2YN/A

EPS Next 3YN/A

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UNION BANKSHARES INC /VT

NASDAQ:UNB (8/29/2025, 8:00:01 PM)

After market: 26.17 0 (0%)

26.17

+0.07 (+0.27%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-16 2025-07-16/bmo

Earnings (Next)10-14 2025-10-14

Inst Owners20.49%

Inst Owner Change19%

Ins Owners2.17%

Ins Owner Change1.78%

Market Cap119.07M

Analysts0

Price TargetN/A

Short Float %3.12%

Short Ratio6.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.52%

Yearly Dividend1.42

Dividend Growth(5Y)3.09%

DP70%

Div Incr Years0

Div Non Decr Years1

Ex-Date07-25 2025-07-25 (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 Rank	Sector Rank
PE	12.83
Fwd PE	N/A
P/S	2.37
P/FCF	11.64
P/OCF	10.46
P/B	1.67
P/tB	1.67
EV/EBITDA	N/A

EPS(TTM)2.04

EY7.8%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.25

FCFY8.59%

OCF(TTM)2.5

OCFY9.56%

SpS11.03

BVpS15.66

TBVpS15.66

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.62%
ROE	12.94%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.38%
GM	N/A
FCFM	20.38%

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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	1.59
Debt/EBITDA	N/A
Cap/Depr	74.68%
Cap/Sales	2.32%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	110.9%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.16%

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)-8.61%

EPS 3Y-12.99%

EPS 5Y-4.17%

EPS Q2Q%17.93%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.28%

Revenue growth 3Y-0.4%

Revenue growth 5Y3.38%

Sales Q2Q%7.76%

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 1Y-42.06%

FCF growth 3Y-24.44%

FCF growth 5Y16.24%

OCF growth 1Y-38.21%

OCF growth 3Y-25.33%

OCF growth 5Y0.86%

UNION BANKSHARES INC /VT (UNB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens