UNION BANKSHARES INC /VT (UNB) Stock Fundamental Analysis
USA - NASDAQ:UNB - US9054001071 - Common Stock
23.31 USD
+0.28 (+1.22%)
UNB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. UNB may be in some trouble as it scores bad on both profitability and health. UNB is valued expensive and it does not seem to be growing.
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.
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.
1.2 Ratios
UNB has a Return On Assets of 0.62%. This is in the lower half of the industry: UNB underperforms 69.23% of its industry peers.
UNB's Return On Equity of 12.94% is amongst the best of the industry. UNB outperforms 86.41% 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
Looking at the Profit Margin, with a value of 18.38%, UNB is doing worse than 68.72% 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 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
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.
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.
UNB has a Debt to FCF ratio (1.59) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.23 indicates that UNB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.23, UNB is doing worse than 61.79% 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
WACC12.19%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for UNB have decreased by -8.61% in the last year.
UNB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.17% yearly.
The Revenue has been growing slightly by 6.28% in the past year.
UNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.38% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
UNB is valuated reasonably with a Price/Earnings ratio of 11.43.
UNB's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of UNB to the average of the S&P500 Index (25.83), we can say UNB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.43 | ||
| Fwd PE | N/A |
4.2 Price Multiples
64.10% of the companies in the same industry are more expensive than UNB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.37 | ||
| 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
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.25%, UNB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.38, UNB pays a better dividend. On top of this UNB pays more dividend than 93.33% of the companies listed in the same industry.
UNB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.25% |
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
5.3 Sustainability
UNB pays out 70.00% of its income as dividend. 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
NASDAQ:UNB (11/7/2025, 8:23:45 PM)
23.31
+0.28 (+1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.27%
Inst Owner Change1.67%
Ins Owners2.12%
Ins Owner Change1.78%
Market Cap106.06M
Revenue(TTM)50.18M
Net Income(TTM)9.22M
Analysts0
Price TargetN/A
Short Float %1.64%
Short Ratio6.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.25% |
Yearly Dividend1.42
Dividend Growth(5Y)3.09%
DP70%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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 | 11.43 | ||
| Fwd PE | N/A | ||
| P/S | 2.11 | ||
| P/FCF | 10.37 | ||
| P/OCF | 9.31 | ||
| P/B | 1.49 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.04
EY8.75%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.25
FCFY9.64%
OCF(TTM)2.5
OCFY10.74%
SpS11.03
BVpS15.66
TBVpS15.66
PEG (NY)N/A
PEG (5Y)N/A
Graham Number26.81
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
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-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
WACC12.19%
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 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 for UNB stock?
ChartMill assigns a valuation rating of 3 / 10 to UNION BANKSHARES INC /VT (UNB). This can be considered as Overvalued.
How profitable is UNION BANKSHARES INC /VT (UNB) stock?
UNION BANKSHARES INC /VT (UNB) has a profitability rating of 3 / 10.
How sustainable is the dividend of UNION BANKSHARES INC /VT (UNB) stock?
The dividend rating of UNION BANKSHARES INC /VT (UNB) is 6 / 10 and the dividend payout ratio is 70%.