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Union Bankshares Inc

Union Bankshares Inc

UNB · NASDAQ · Financial Services / Banks - Regional

22.80USD-0.04 (-0.15%)

Price History

Full chart

Market Stats

Previous Close22.84
Open22.98
Day Range22.80 – 22.99
52-Week Range19.77 – 26.03
Volume2.80K
Market Cap114.45M
P/E (TTM)8.93
Forward P/E11.72
EPS2.59
Dividend Yield6.10%
Beta0.28
50-Day Avg23.88
200-Day Avg24.05

About

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It 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; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay 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 and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. The company was founded in 1891 and is headquartered in Morrisville, Vermont.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jeffery F. Weidley
  • Employees195
  • Headquarters20 Lower Main Street, Morrisville, VT, United States, 05661-0667, USA
  • Websitehttps://www.ublocal.com

Leadership

  • Mr. Timothy Willis SargentIndependent Vice Chairman, Secretary & Lead Independent Director · b. 1976
  • Mr. Jonathan Jay GouldExecutive VP & Senior Commercial Loan Officer of Union Bank · b. 1960
  • Mr. Jeffery F. WeidleyCEO, President & Director · b. 1984
  • Ms. Carrie R. LocklinChief Financial Officer · b. 1974
  • Ms. Kristy Adams AlfieriAssistant Secretary

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue12.56M12.05M26.70M27.20M25.73M23.98M23.95M26.31M29.25M30.30M28.09M33.61M28.50M29.49M35.12M32.40M32.96M34.45M36.41M38.41M41.65M46.33M52.75M52.24M53.07M67.28M77.94M87.30M
Growth (%)--4.09%+121.55%+1.88%-5.39%-6.82%-0.09%+9.85%+11.19%+3.58%-7.31%+19.65%-15.19%+3.48%+19.08%-7.76%+1.74%+4.52%+5.69%+5.50%+8.44%+11.22%+13.88%-0.98%+1.60%+26.76%+15.86%+12.00%
Cost of Revenue9.65M9.48M10.13M9.88M6.72M4.32M3.34M4.56M7.00M8.49M7.51M5.69M4.64M4.68M4.01M2.76M2.50M2.58M2.21M2.46M4.03M6.38M7.35M3.56M4.52M18.77M30.52M33.57M
Gross Profit2.91M2.57M16.57M17.31M19.01M19.65M20.61M21.75M22.25M21.81M20.57M27.91M23.86M24.81M31.11M29.63M30.46M31.88M34.20M35.96M37.62M39.95M45.41M48.67M48.55M48.51M47.42M53.73M
Gross Margin23.17%21.31%62.06%63.66%73.88%81.97%86.05%82.67%76.07%71.97%73.25%83.06%83.73%84.12%88.58%91.47%92.42%92.53%93.93%93.61%90.32%86.24%86.07%93.18%91.48%72.10%60.84%61.54%
Operating Expense-3.70M-3.32M9.94M10.50M11.76M12.06M12.32M13.06M13.81M14.19M14.45M21.27M16.57M18.47M22.60M20.64M20.79M21.34M23.09M23.91M29.28M27.47M30.18M32.85M33.30M35.63M38.29M41.70M
Operating Income6.61M5.89M6.62M6.82M7.25M7.59M8.29M8.70M8.44M7.62M6.13M6.65M7.29M6.34M8.51M9.00M9.67M10.54M11.11M12.05M8.35M12.48M15.22M15.82M15.25M12.88M9.13M12.03M
Operating Margin52.58%48.89%24.82%25.06%28.17%31.67%34.62%33.05%28.85%25.15%21.81%19.78%25.57%21.49%24.22%27.77%29.33%30.60%30.51%31.38%20.03%26.94%28.86%30.28%28.73%19.14%11.71%13.78%
EBITDA7.40M6.88M7.46M7.51M8.11M8.51M9.19M9.61M9.28M8.39M6.91M7.36M7.95M7.13M9.56M10.07M10.81M11.79M12.54M13.45M9.73M14.22M17.29M17.71M17.05M14.52M10.72M13.66M
EBITDA Margin58.87%57.11%27.96%27.63%31.50%35.49%38.39%36.51%31.72%27.70%24.60%21.90%27.89%24.17%27.23%31.08%32.81%34.23%34.43%35.00%23.36%30.69%32.77%33.91%32.12%21.58%13.76%15.64%
Net Income4.55M4.08M4.80M4.83M5.18M5.39M5.84M6.24M6.26M5.66M5.11M5.23M5.59M5.22M6.84M7.13M7.69M7.88M8.51M8.45M7.07M10.65M12.80M13.17M12.62M11.26M8.76M11.10M
Net Income Margin36.23%33.82%17.98%17.77%20.14%22.47%24.36%23.71%21.38%18.66%18.18%15.55%19.60%17.70%19.49%22.02%23.34%22.87%23.37%22.00%16.98%22.99%24.27%25.21%23.77%16.73%11.24%12.71%
R&D-------------00000000-------
R&D as % of Total Revenue-------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense9.25M9.12M9.88M9.56M6.36M4.21M3.31M4.50M6.82M8.23M7.18M5.29M4.12M3.91M3.35M2.46M2.15M2.02M2.06M2.25M3.58M5.62M5.15M3.56M4.52M19.27M29.59M32.80M
Interest Expense % of Total Revenue73.65%75.70%37.00%35.17%24.73%17.56%13.82%17.10%23.32%27.15%25.55%15.75%14.44%13.25%9.54%7.59%6.54%5.88%5.66%5.87%8.60%12.12%9.76%6.82%8.52%28.64%37.96%37.57%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets290.13M295.48M303.39M337.48M343.49M356.65M359.53M374.75M381.15M393.36M440.10M447.52M454.08M552.75M577.26M584.92M623.85M628.88M691.47M745.75M805.34M872.91M1.09B1.21B1.34B1.47B1.53B1.62B
Total Liabilities258.37M263.26M268.24M300.26M304.32M315.66M317.13M333.14M339.23M351.29M400.95M406.34M411.27M512.41M532.21M538.12M571.87M575.31M635.37M686.92M740.85M801.07M1.01B1.12B1.28B1.41B1.46B1.54B
Total Equity31.76M32.22M35.16M37.22M39.17M40.99M42.40M41.60M41.92M42.07M39.15M41.18M41.73M40.34M45.05M49.82M51.43M53.57M56.10M58.82M64.49M71.84M80.87M84.34M55.22M65.81M66.48M80.86M
Cash19.20M15.10M12.07M18.63M21.36M30.24M24.44M22.62M17.11M24.68M19.58M27.92M19.49M29.89M26.95M22.84M17.07M16.97M13.78M13.21M13.35M11.97M18.11M17.86M20.93M19.12M14.63M4.66M
Total Debt6.08M2.87M6.38M10.34M7.54M7.22M7.93M16.26M14.60M20.33M27.42M30.99M28.99M29.02M19.74M14.61M17.00M9.56M32.70M32.95M27.82M47.16M7.16M16.30M66.37M81.94M275.97M302.79M
Net Debt-13.11M-12.23M-5.62M-8.28M-13.83M-23.01M-16.50M-6.36M-2.52M-4.36M7.83M3.08M9.50M-876.00K-7.21M-8.23M-74.00K-7.41M17.82M18.37M14.48M35.19M-10.95M-1.68M45.27M62.82M261.34M298.13M

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.38M4.16M4.66M-862.52K5.74M4.69M16.56M9.05M10.00M2.90M12.71M-2.86M11.26M7.36M3.47M17.82M2.20M13.13M7.64M9.87M16.76M11.78M-7.06M29.19M29.03M9.19M12.15M17.23M
Investing Cash Flow-14.84M-11.48M-9.98M-16.73M-2.62M-14.21M-17.88M-24.42M-3.08M-14.61M-41.72M-4.55M-20.37M-22.63M-148.00K-34.98M-22.15M-34.85M-40.72M-55.34M-67.98M-49.06M-125.91M-190.01M-207.58M-82.25M-124.83M-88.33M
Financing Cash Flow12.16M3.23M1.69M27.65M1.07M8.41M-2.11M8.46M-177.59K4.18M41.91M3.21M1.27M25.36M18.80M1.37M30.97M-2.07M54.39M44.71M50.00M51.13M204.61M103.97M150.51M112.84M50.85M67.57M
Capital Expenditure928.71K350.66K737.32K1.02M1.12M483.80K1.36M1.56M1.28M1.07M1.83M897.33K896.00K1.50M2.02M1.29M2.17M2.29M1.94M1.99M3.07M6.42M1.01M3.51M665.00K1.95M1.07M1.25M
Free Cash Flow3.45M3.81M3.93M-1.88M4.63M4.19M15.18M7.49M8.72M1.83M10.88M-3.76M10.36M5.86M1.45M16.53M34.00K10.84M5.71M7.88M13.69M5.36M-8.07M25.68M28.37M7.25M11.08M15.97M
Dividends Paid1.97M2.27M2.97M3.21M3.45M3.73M4.10M6.29M4.81M5.07M5.03M4.60M4.46M4.46M4.46M4.50M4.64M4.82M4.94M5.15M5.33M5.50M5.69M5.88M6.24M6.42M6.44M6.48M
FCF to OCF78.79%91.56%84.19%218.36%80.55%89.39%91.68%82.75%87.17%63.13%85.58%131.37%92.04%79.65%41.88%92.75%1.54%82.57%74.65%79.86%81.68%45.51%114.26%87.98%97.71%78.83%91.19%92.73%
Dividend Paid to FCF57.09%59.55%75.62%-170.64%74.59%88.96%26.98%83.93%55.19%276.83%46.23%-122.44%43.03%76.05%306.53%27.24%13638.24%44.42%86.56%65.36%38.92%102.65%-70.50%22.88%21.98%88.54%58.16%40.58%

Earnings

Report DateSep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Oct 16, 2008Jan 22, 2009Apr 15, 2009Jul 15, 2009Oct 21, 2009Jan 20, 2010May 14, 2010Jul 22, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Oct 19, 2016Jan 18, 2017Apr 19, 2017Jul 19, 2017Oct 18, 2017Mar 16, 2018May 10, 2018Aug 9, 2018Nov 8, 2018Feb 7, 2019Apr 17, 2019Jul 17, 2019Oct 16, 2019Jan 15, 2020May 8, 2020Jul 15, 2020Oct 21, 2020Jan 20, 2021Apr 21, 2021Jul 21, 2021Oct 20, 2021Jan 19, 2022Apr 20, 2022Jul 20, 2022Oct 19, 2022Jan 18, 2023Apr 19, 2023Jul 19, 2023Oct 18, 2023Jan 17, 2024Apr 17, 2024Jul 17, 2024Oct 16, 2024Jan 15, 2025May 14, 2025Jul 16, 2025Oct 15, 2025Jan 21, 2026May 8, 2026Jul 15, 2026Nov 6, 2026
EPS Estimate--------------------------------0.250.250.30-------------------------------------0.700.720.74---------------------------
EPS Actual0.270.260.270.270.260.240.310.270.260.300.350.280.290.330.390.310.310.330.420.320.340.370.350.270.330.310.330.310.270.260.300.280.280.320.290.270.340.310.230.230.320.390.280.320.440.500.390.400.470.340.400.430.480.430.420.450.460.440.390.480.510.530.430.430.500.530.530.620.540.52-0.100.470.560.620.610.490.600.920.850.640.660.870.760.550.650.840.770.660.590.560.680.530.440.290.670.550.530.750.600.650.61-
Surprise--------------------------------12.00%28.00%-3.33%--------------------------------------20.00%-13.89%-17.57%---------------------------
Timing-------------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours----After-hours------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---After-hoursAfter-hoursAfter-hours---

Key Statistics & Ratios

Market Cap114.45M
Enterprise Value428.91M
Trailing P/E8.93
Forward P/E11.72
PEG Ratio0.00
Price / Sales2.01
Price / Book1.29
EPS2.59
Book Value18.86
Revenue (TTM)57.03M
Gross Profit (TTM)57.03M
Profit Margin21.24%
Operating Margin21.96%
Return on Equity14.98%
Return on Assets0.80%
Shares Outstanding4.95M
Shares Float3.90M
Beta0.28
Dividend Yield6.10%
Dividend Rate1.44
Payout Ratio55.23%

Ownership Breakdown

Institutions
16.04%
Insiders
26.00%
Retail / Other
57.96%

Top Institutional Holders

  • BlackRock Inc
    200.03K4.04%
  • Vanguard Capital Management, LLC
    149.47K3.02%
  • Cardinal Capital Management
    104.51K2.11%
  • Geode Capital Management, LLC
    88.48K1.79%
  • Truffle Hound Capital, LLC
    80.00K1.62%
  • Northern Trust Corp
    47.64K0.96%
  • Dimensional Fund Advisors, Inc.
    41.05K0.83%
  • Spears Abacus Advisors LLC
    40.17K0.81%
  • State Street Corp
    36.58K0.74%
  • Millennium Management LLC
    31.71K0.64%
  • Trust Co Of Vermont
    29.32K0.59%
  • The Goldman Sachs Group Inc
    29.11K0.59%
  • Vanguard Fiduciary Trust Co
    25.35K0.51%
  • Vanguard Portfolio Management, LLC
    21.76K0.44%
  • Morgan Stanley - Brokerage Accounts
    19.80K0.40%
  • Renaissance Technologies Corp
    18.23K0.37%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    107.20K2.17%
  • Fidelity Extended Market Index
    19.31K0.39%
  • BSF Systematic US Eq Abs Ret A2 USD
    17.06K0.34%
  • DFA US Micro Cap I
    15.31K0.31%

Dividends

20264×
0.36Oct 30, 20260.36Jul 27, 20260.36Apr 27, 20260.36Jan 30, 2026
20254×
0.36Oct 24, 20250.36Jul 25, 20250.36Apr 25, 20250.36Jan 24, 2025
20244×
0.36Oct 25, 20240.36Jul 26, 20240.36Apr 25, 20240.36Jan 25, 2024
20234×
0.36Oct 26, 20230.36Jul 27, 20230.36Apr 27, 20230.36Jan 26, 2023
20224×
0.35Oct 27, 20220.35Jul 28, 20220.35Apr 28, 20220.35Jan 27, 2022
20214×
0.33Oct 28, 20210.33Jul 29, 20210.33Apr 29, 20210.33Jan 29, 2021

Stock Splits

  • Aug 11, 20033:2