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Union Bankshares Inc
(NASDAQ: UNB)
AdChoices
23.65
-0.60
-2.47%
After Hours :
-
-
-

Open

23.44

Previous Close

24.25

Volume (Avg)

691 (2.00k)

Day's Range

23.44-23.65

52Wk Range

21.25-25.99

Market Cap.

105.44M

Dividend Rate (Yield )

1.04 (4.40%)

Beta

0.21

Shares Outstanding

4.46M

P/E Ratio (EPS)

14.47 (1.63)

AdChoices
Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
Industry Banks – Regional – US
Highlights
Analyst Recommendation: Not Available
    • Revenue

    • 30.52M

    • Net Income

    • 7.14M

    • Market Cap.

    • 105.44M

    • Enterprise Value

    • -

    • Net Profit Margin %

    • 23.68

    • PEG (Price/Earnings Growth) Ratio

    • -

    • Beta

    • 0.21

    • Forward P/E

    • -

    • Price/Sales

    • 3.43

    • Price/Book Value

    • 2.03

    • Price/Cash flow

    • 15.53

      • EBITDA

      • 10.07M

      • Return on Capital %

      • 1.30

      • Return on Equity %

      • 14.91

      • Return on Assets %

      • 1.30

      • Book Value/Share

      • 11.64

      • Shares Outstanding

      • 4.46M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 0.26 (10/22/2014)

      • Dividend Declaration Date

      • 10/15/2014

      Analyst Recommendation
      -
      Not Available
        • 1 Year Price Target

        • -

        • Credit Rating

        • -

        • Analysts

        • 0

        • EPS Estimate

        • -

        • Cashflow Estimate

        • -

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • 2.40

          • -0.66

          • Net Income

            YTD/YTD (last year)

          • 4.30

          • 7.93

          • Net Income

            Q/Q (last year)

          • 6.80

          • -2.61

          • Sales (Revenue)

            5-Year Annual Average

          • 6.95

          • -11.83

          • Net Income

            5-Year Annual Average

          • 6.90

          • 6.49

          • Dividends

            5-Year Annual Average

          • -2.05

          • 33.22

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • -

            • Pre-Tax Margin

            • 29.77

            • 36.31

            • Net Profit Margin

            • 23.68

            • 25.32

            • Average Gross Margin

              5-Year Annual Average

            • -

            • -

            • Average Pre-Tax Margin

              5-Year Annual Average

            • 27.50

            • 25.85

            • Average Net Profit Margin

              5-Year Annual Average

            • 21.80

            • 127.78B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • 0.48

              • 0.74

              • Current Ratio

              • -

              • -

              • Quick Ratio

              • -

              • -

              • Interest Coverage

              • -

              • -

              • Leverage Ratio

              • 11.01

              • 8.88

              • Book Value/Share

              • 11.64

              • 19.98

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • 14.75

                • 15.08

                • P/E Ratio 5-Year High

                • 15.91

                • 1,590.26

                • P/E Ratio 5-Year Low

                • 9.33

                • 247.77

                • Price/Sales Ratio

                • 3.49

                • 3.17

                • Price/Book Value

                • 2.07

                • 1.23

                • Price/Cash Flow Ratio

                • 15.53

                • 7.89

                • Key Metrics

                • Company

                • Industry

                  • Return on Equity %

                    (5-Year Average)

                  • 14.91

                    (14.10)

                  • 11.32

                    (9.64)

                  • Return on Assets %

                    (5-Year Average)

                  • 1.30

                    (1.20)

                  • 1.26

                    (0.99)

                  • Return on Capital %

                    (5-Year Average)

                  • 12.79

                    (13.40)

                  • 5.43

                    (3.93)

                  • Income/Employee

                  • 38.74k

                  • 57.85k

                  • Inventory Turnover

                  • -

                  • -

                  • Asset Turnover

                  • 0.06

                  • 0.05

                  Current Historical
                  Financials
                  • Income Statement
                  • Balance Sheet
                  • Cash Flow
                  Operating Income
                  9.00M
                  Operating Margin
                  29.48
                  Total Equity
                  -
                  Retained Earnings
                  -
                  Free Cashflow
                  -
                  Price/Cashflow
                  15.53
                  Ownership

                  Institutional Ownership

                  4.46%

                  Top 10 Institutions

                  4.15%

                  Mutual Fund Ownership

                  0.93%

                  Float

                  72.45%

                  5% / Insider Ownership

                  7.65%

                  Corporate insiders or major stockholders reporting trading activity in the stock.

                  Top Mutual Fund Owners

                  Top Institutional Owners

                  Mutual Fund Name

                  Institution Name

                  • Mutual Fund Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • DFA U.S. Micro Cap Portfolio

                  •  

                    14,917

                  • 0.00

                  • 0.33

                  • Vanguard Extended Market Index Fund

                  •  

                    8,739

                  • 0.00

                  • 0.20

                  • DFA U.S. Core Equity II Fund

                  •  

                    2,439

                  • 0.00

                  • 0.05

                  • DFA U.S. Small Cap Portfolio

                  •  

                    2,252

                  • 0.00

                  • 0.05

                  • DFA U.S. Vector Equity Fund

                  •  

                    2,000

                  • 0.00

                  • 0.04

                  • DFA US Core Equity I Fund

                  •  

                    863

                  • 0.00

                  • 0.02

                  • JHVIT Small Cap Opportunities Trust

                  •  

                    798

                  • 0.00

                  • 0.02

                  • Wilshire Micro-Cap ETF

                  •  

                    513

                  • 0.00

                  • 0.01

                  • AXA/Lord Abbett Micro Cap Portfolio

                  •  

                    473

                  • 0.00

                  • 0.01

                  • Institution Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • Spears Abacus Advisors LLC

                  •  

                    83,760

                  • -3.09%

                  • 1.88

                  • Dimensional Fund Advisors, Inc.

                  •  

                    28,401

                  • 0.00%

                  • 0.63

                  • Pnc Bank, National Association

                  •  

                    12,000

                  • 0.00%

                  • 0.27

                  • Vanguard Group, Inc.

                  •  

                    8,739

                  • 0.00%

                  • 0.20

                  • UBS Financial Services Inc.

                  •  

                    8,641

                  • -7.61%

                  • 0.19

                  • Community Financial Services Group

                  •  

                    4,897

                  • 0.00%

                  • 0.11

                  Company Profile

                  Sector

                  Financial Services

                  Industry

                  Banks – Regional – US

                  Type

                  Cyclical

                  Style

                  Small Value

                  Union Bankshares Inc was incorporated in the State of Vermont in 1982. It is the holding Company for Union Bank or Union. The Company’s business is that of a community bank in the financial services industry. The Company has one defi...morenable business segment, Union Bank, which is a commercial bank operating in northern Vermont and northeastern New Hampshire. Union is a community bank that provides commercial and retail banking services. The Company offers retail and commercial banking services to its customers through its branches, ATMs, telebanking, and internet banking systems. The Company provides retail banking services to individuals living within its market area and commercial banking services to small and medium-sized corporations, partnerships, and sole proprietorships, as well as nonprofit org...moreanizations, local municipalities and school districts. The Company utilizes its lending activities to develop broader customer relationships in areas served by its network of branches as a means to augment deposits. The Company produces loans for its portfolio as well as sells or participates. The Company's retail loan portfolio consists primarily of residential mortgage loans, construction loans, home equity loans or lines of credit, traditional installment loans and personal lines of credit. The Company's commercial loan portfolio consists of term loans, lines of credit, commercial construction loans and commercial and multi-family real estate loans provided to primarily locally based borrowers. The municipal loan portfolio consists of term loans and construction financing. Union faces competition from local and regional commercial banks, savings banks, tax exempt credit unions, mortgage brokers, and financial services affiliates of bank holding companies, as well as from national financial service providers such as mutual funds, brokerage houses, insurance companies, consumer finance companies and internet banks. The Company as a registered one bank holding company is subject to regulation, examination and supervision by the Federal Reserve Board.lessless

                  Key People

                  David S. Silverman

                  CEO/CEO, Subsidiary/Director/President/President, Subsidiary

                  Kenneth D. Gibbons

                  Chairman of the Board/Chairman of the Board, Subsidiary/Director

                  Mr. Karyn Hale

                  CFO/Senior VP, Subsidiary/Treasurer/Treasurer, Subsidiary/Vice President

                  Jeffrey G. Coslett

                  Senior VP, Subsidiary/Vice President

                  Cynthia D. Borck

                  Director

                  • Union Bankshares Inc

                  • 20 Lower Main Street

                  • Morrisville, VT 05661-0667

                  • USA.Map

                  • Phone: +1 802 888-6600

                  • Fax: +1 802 888-7697

                  • unionbankvt.com

                  Incorporated

                  1982

                  Employees

                  188

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