UNION BANKSHARES INC /VT (UNB)
US9054001071 - Common Stock
Taking everything into account, UNB scores 3 out of 10 in our fundamental rating. UNB was compared to 411 industry peers in the Banks industry. UNB has a medium profitability rating, but doesn't score so well on its financial health evaluation. UNB does not seem to be growing, but still is valued expensively. UNB also has an excellent dividend rating.
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.
UNB had positive earnings in each of the past 5 years.
Of the past 5 years UNB 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of UNB (0.77%) is comparable to the rest of the industry.
UNB has a better Return On Equity (17.11%) than 94.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 17.11% | ||
| ROIC | N/A |
ROA(3y)0.93%
ROA(5y)1.04%
ROE(3y)18.53%
ROE(5y)17.25%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UNB has a Profit Margin (23.57%) which is in line with its industry peers.
UNB's Profit Margin has improved in the last couple of years.
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) | 23.57% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.31%
PM growth 5Y4.89%
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.
Compared to 1 year ago, UNB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UNB is 2.24, which is a good value as it means it would take UNB, 2.24 years of fcf income to pay off all of its debts.
UNB has a Debt to FCF ratio of 2.24. This is comparable to the rest of the industry: UNB outperforms 54.74% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that UNB is not too dependend on debt financing.
UNB has a Debt to Equity ratio (0.25) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.05%.
UNB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.31% yearly.
Looking at the last year, UNB shows a decrease in Revenue. The Revenue has decreased by -1.85% in the last year.
Measured over the past years, UNB shows a small growth in Revenue. The Revenue has been growing by 4.63% on average per year.
EPS 1Y (TTM)-11.05%
EPS 3Y-4.52%
EPS 5Y9.31%
EPS growth Q2Q-11.69%
Revenue 1Y (TTM)-1.85%
Revenue growth 3Y0.1%
Revenue growth 5Y4.63%
Revenue growth Q2Q-6.95%
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
UNB is valuated reasonably with a Price/Earnings ratio of 11.24.
Compared to the rest of the industry, the Price/Earnings ratio of UNB indicates a slightly more expensive valuation: UNB is more expensive than 62.29% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.92, UNB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UNB is valued a bit more expensive than the industry average as 76.89% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.54 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.21
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.12%, UNB is a good candidate for dividend investing.
UNB's Dividend Yield is rather good when compared to the industry average which is at 3.82. UNB pays more dividend than 82.97% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, UNB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
5.2 History
The dividend of UNB has a limited annual growth rate of 3.73%.
UNB has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.73%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
UNB pays out 56.98% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of UNB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP56.98%
EPS Next 2YN/A
EPS Next 3YN/A
UNION BANKSHARES INC /VT
NASDAQ:UNB (4/26/2024, 7:21:37 PM)
28.11
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap127.06M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 17.11% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 23.57% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-11.05%
EPS 3Y-4.52%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.85%
Revenue growth 3Y0.1%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y