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UNION BANKSHARES INC /VT (UNB) Stock Fundamental Analysis

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

26.47  +0.14 (+0.53%)

Fundamental Rating

3

Taking everything into account, UNB scores 3 out of 10 in our fundamental rating. UNB was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of UNB have multiple concerns. 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.
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.
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's Return On Assets of 0.58% is on the low side compared to the rest of the industry. UNB is outperformed by 71.65% of its industry peers.
Looking at the Return On Equity, with a value of 12.62%, UNB belongs to the top of the industry, outperforming 86.08% of the companies in the same industry.
Industry RankSector Rank
ROA 0.58%
ROE 12.62%
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 17.97%, UNB is doing worse than 69.11% of the companies in the same industry.
UNB's Profit Margin has declined 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 RankSector Rank
OM N/A
PM (TTM) 17.97%
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.
The number of shares outstanding for UNB has been increased compared to 1 year ago.
Compared to 5 years ago, UNB has more shares outstanding
Compared to 1 year ago, UNB has an improved debt to assets ratio.
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 1.20, which is an excellent value as it means it would take UNB, only 1.20 years of fcf income to pay off all of its debts.
UNB has a Debt to FCF ratio of 1.20. This is in the better half of the industry: UNB outperforms 68.61% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that UNB is not too dependend on debt financing.
UNB has a worse Debt to Equity ratio (0.23) than 62.78% of its industry peers.
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 RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC12.68%
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 -17.68%.
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.
Looking at the last year, UNB shows a small growth in Revenue. The Revenue has grown by 4.58% in the last year.
The Revenue has been growing slightly by 3.38% on average over the past years.
EPS 1Y (TTM)-17.68%
EPS 3Y-12.99%
EPS 5Y-4.17%
EPS Q2Q%2.8%
Revenue 1Y (TTM)4.58%
Revenue growth 3Y-0.4%
Revenue growth 5Y3.38%
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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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.64 indicates a correct valuation of UNB.
UNB's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.98. UNB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.64
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

Based on the Price/Free Cash Flow ratio, UNB is valued a bit cheaper than 71.39% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.89
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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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.53%, UNB is a good candidate for dividend investing.
UNB's Dividend Yield is rather good when compared to the industry average which is at 3.47. UNB pays more dividend than 89.11% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, UNB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.53%

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.
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 72.91% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of UNB has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP72.91%
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 (6/30/2025, 12:44:10 PM)

26.47

+0.14 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-16 2025-07-16
Inst Owners20.36%
Inst Owner Change3.07%
Ins Owners2.17%
Ins Owner Change9.07%
Market Cap120.17M
Analysts0
Price TargetN/A
Short Float %1.4%
Short Ratio5.04
Dividend
Industry RankSector Rank
Dividend Yield 5.53%
Yearly Dividend1.42
Dividend Growth(5Y)3.09%
DP72.91%
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 13.64
Fwd PE N/A
P/S 2.44
P/FCF 8.89
P/OCF 8.37
P/B 1.71
P/tB 1.71
EV/EBITDA N/A
EPS(TTM)1.94
EY7.33%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.98
FCFY11.25%
OCF(TTM)3.16
OCFY11.94%
SpS10.84
BVpS15.43
TBVpS15.43
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 12.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.97%
GM N/A
FCFM 27.47%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.2
Debt/EBITDA N/A
Cap/Depr 53.31%
Cap/Sales 1.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 152.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.68%
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)-17.68%
EPS 3Y-12.99%
EPS 5Y-4.17%
EPS Q2Q%2.8%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.58%
Revenue growth 3Y-0.4%
Revenue growth 5Y3.38%
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 1Y-13.49%
FCF growth 3Y-24.44%
FCF growth 5Y16.24%
OCF growth 1Y-12.18%
OCF growth 3Y-25.33%
OCF growth 5Y0.86%