Union Bankshares, Inc. (UNB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 48 | 49 | 49 | 48 | 48 | 55 | 57 | - |
| Operating profit | $m | 12 | 13 | ||||||
| Net profit | $m | 13 | 13 | 13 | 11 | 9 | 11 | 12 | 12 |
| EPS reported | $ | 2.43 | 2.61 | ||||||
| Operating cashflow per share | $ | 3.77 | -5.93 | ||||||
| Capex per share | $ | 0.27 | 0.09 | ||||||
| FCF per share | $ | 3.49 | -6.03 | ||||||
| Free cash flow | $m | 16 | -20 | ||||||
| Net debt | $m | 290 | 347 | ||||||
| Book value equity | $m | 81 | 90 | ||||||
| Book value per share | $ | 17.68 | 18.86 | ||||||
| Number of shares | m | 4.57 | 4.79 | ||||||
| DPS (TTM paid) | $ | 1.44 | 1.44 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.77 | 9.04 | ||||||
| P/B LTM | x | 1.34 | 1.20 | ||||||
| P/S LTM | x | 1.99 | 1.90 | ||||||
| P/FCF LTM | x | 6.79 | -5.31 | ||||||
| EV/EBITDA LTM | x | 29.78 | 27.61 | ||||||
| EV/Sales LTM | x | 4.66 | 4.81 | ||||||
| Earnings Yield LTM | % | +10.24% | +11.06% | ||||||
| FCF Yield | % | +14.72% | -18.84% | ||||||
| Quality | |||||||||
| ROE | % | +13.72% | +14.72% | ||||||
| ROIC | % | +0.80% | +0.78% | ||||||
| Operating margin | % | +13.78% | +14.86% | ||||||
| Gross margin | % | +61.54% | +63.14% | ||||||
| FCF/Sales | % | +18.30% | -31.97% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +26.56% | +35.94% | ||||||
| Sales Growth YoY | % | +12.71% | +18.33% | ||||||
| Net Income Growth YoY | % | +26.68% | +38.37% | ||||||
| FCF Growth | % | +44.15% | - | ||||||
| Operating Profit Growth | % | +31.72% | +47.08% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +5.97% | +6.10% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +58.33% | +40.39% | ||||||
| FCF/Debt | x | 0.05 | -0.06 | ||||||
| Net Debt/EBITDA | x | 21.83 | 22.79 | ||||||
| EBIT/Net interest | x | 0.37 | 0.41 | ||||||
| Net debt/market cap | % | +2.79% | +3.05% | ||||||
| Net debt/Equity | x | 3.59 | 3.84 | ||||||
| Gross debt/equity | x | 3.74 | 3.91 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Union Bankshares, Inc., established in 1891 and based in Morrisville, Vermont, serves as the holding company for Union Bank. This institution provides a comprehensive suite of retail, commercial, and municipal banking services across northern Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking accounts, complemented by standby letters of credit. Additional services include asset management, fiduciary, and trust provisions. Customers manage their finances through a network of 18 banking offices, 3 loan centers, and numerous ATMs, supported by extensive telephone, internet, and mobile banking capabilities, debit cards, and online mortgage application services.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Union Bankshares, Inc. (UNB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Union Bankshares, Inc., established in 1891 and based in Morrisville, Vermont, serves as the holding company for Union Bank. This institution provides a comprehensive suite of retail, commercial, and municipal banking services across northern Vermont and New Hampshire. For individuals, offerings include various deposit accounts like checking, savings, money market, and specialized retirement/health savings accounts, in addition to certificates of deposit. Lending products encompass residential construction, mortgage, and home improvement loans. Business clients can access commercial real estate loans, financing for plant and equipment, working capital, and real estate renovation, alongside Small Business Administration (SBA) guaranteed loans. The company further delivers sophisticated cash management tools, merchant credit card processing, remote deposit capture, and business checking accounts, complemented by standby letters of credit. Additional services include asset management, fiduciary, and trust provisions. Customers manage their finances through a network of 18 banking offices, 3 loan centers, and numerous ATMs, supported by extensive telephone, internet, and mobile banking capabilities, debit cards, and online mortgage application services.
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