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XNASUNB
Market cap135mUSD
Jan 17, Last price  
30.00USD
1D
0.42%
1Q
9.09%
Jan 2017
-33.99%
Name

Union Bankshares Inc

Chart & Performance

D1W1MN
XNAS:UNB chart
P/E
12.06
P/S
2.81
EPS
2.49
Div Yield, %
4.73%
Shrs. gr., 5y
0.27%
Rev. gr., 5y
4.85%
Revenues
48m
-0.34%
20,642,00621,812,78522,433,73022,340,22922,321,87823,443,68424,724,23926,886,00032,202,00030,523,00031,606,00032,911,00034,915,00036,157,00038,072,00040,709,00047,606,00048,671,00048,411,00048,246,000
Net income
11m
-10.76%
5,835,1276,237,3696,255,2755,655,1475,106,1205,226,5685,586,7875,219,0006,844,0007,135,0007,694,0007,878,0008,511,0008,449,0007,072,00010,648,00012,805,00013,170,00012,615,00011,257,000
CFO
9m
-68.34%
16,558,7629,051,46710,004,3692,899,39812,709,512-2,860,83111,257,0587,358,0003,472,00017,818,0002,204,00013,130,0007,644,0009,868,00016,761,00011,776,000-7,062,00029,190,00029,031,0009,191,000
Dividend
Jul 26, 20240.36 USD/sh
Earnings
Apr 15, 2025

Profile

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; home improvement loans and overdraft; and residential construction and mortgage loans. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. It operates 18 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.
IPO date
Jul 13, 2000
Employees
188
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
48,246
-0.34%
48,411
-0.53%
Cost of revenue
7,274
19,723
Unusual Expense (Income)
NOPBT
40,972
28,688
NOPBT Margin
84.92%
59.26%
Operating Taxes
1,620
2,632
Tax Rate
3.95%
9.17%
NOPAT
39,352
26,056
Net income
11,257
-10.76%
12,615
-4.21%
Dividends
(6,415)
(6,236)
Dividend yield
4.61%
5.75%
Proceeds from repurchase of equity
(130)
(79)
BB yield
0.09%
0.07%
Debt
Debt current
50,168
Long-term debt
76,719
68,292
Deferred revenue
(2,266)
Other long-term liabilities
1,327,079
(53,147)
Net debt
(288,637)
(404,270)
Cash flow
Cash from operating activities
9,191
29,031
CAPEX
(1,946)
(665)
Cash from investing activities
(82,252)
(207,583)
Cash from financing activities
112,842
150,515
FCF
73,720
22,876
Balance
Cash
327,176
271,199
Long term investments
38,180
251,531
Excess cash
362,944
520,309
Stockholders' equity
67,508
57,215
Invested Capital
1,401,371
1,314,024
ROIC
2.90%
2.15%
ROCE
2.79%
2.09%
EV
Common stock shares outstanding
4,537
4,514
Price
30.65
27.66%
24.01
-19.51%
Market cap
139,071
28.31%
108,386
-19.42%
EV
(149,566)
(295,884)
EBITDA
42,611
30,489
EV/EBITDA
Interest
19,267
4,524
Interest/NOPBT
47.02%
15.77%