23.73 USD
0 (0%)
UNB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. UNB has a bad profitability rating. Also its financial health evaluation is rather negative. UNB has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
UNB had positive earnings in the past year.
UNB had a positive operating cash flow in the past year.
Each year in the past 5 years UNB has been profitable.
Of the past 5 years UNB 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.72%, UNB is not doing good in the industry: 64.16% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 14.59%, UNB belongs to the top of the industry, outperforming 92.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 14.59% | ||
| 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
The Profit Margin of UNB (21.12%) is worse than 63.12% of its industry peers.
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) | 21.12% | ||
| 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
Compared to 5 years ago, UNB has more shares outstanding
The debt/assets ratio for UNB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of UNB is 0.87, which is an excellent value as it means it would take UNB, only 0.87 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.87, UNB is doing good in the industry, outperforming 70.13% of the companies in the same industry.
A Debt/Equity ratio of 0.21 indicates that UNB is not too dependend on debt financing.
UNB has a Debt to Equity ratio (0.21) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 0.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UNB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.64%, which is quite impressive.
The Earnings Per Share has been decreasing by -4.17% on average over the past years.
UNB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.05%.
UNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.38% yearly.
EPS 1Y (TTM)27.64%
EPS 3Y-12.99%
EPS 5Y-4.17%
EPS Q2Q%157.09%
Revenue 1Y (TTM)15.05%
Revenue growth 3Y-0.4%
Revenue growth 5Y3.38%
Sales Q2Q%101.45%
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 9.61.
Compared to the rest of the industry, the Price/Earnings ratio of UNB indicates a rather cheap valuation: UNB is cheaper than 85.71% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.56. UNB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UNB is valued cheaper than 90.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.81 | ||
| 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
UNB has a Yearly Dividend Yield of 6.23%, which is a nice return.
UNB's Dividend Yield is rather good when compared to the industry average which is at 2.70. UNB pays more dividend than 95.58% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, UNB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.23% |
5.2 History
The dividend of UNB has a limited annual growth rate of 3.09%.
UNB has been paying a dividend for at least 10 years, so it has 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
57.02% of the earnings are spent on dividend by UNB. This is a bit on the high side, but may be sustainable.
UNB's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP57.02%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:UNB (12/15/2025, 2:11:42 PM)
23.73
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.47%
Inst Owner Change-2.51%
Ins Owners2.11%
Ins Owner Change0%
Market Cap108.68M
Revenue(TTM)53.65M
Net Income(TTM)11.33M
Analysts0
Price TargetN/A
Short Float %1.28%
Short Ratio4.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.23% |
Yearly Dividend1.42
Dividend Growth(5Y)3.09%
DP57.02%
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 | 9.61 | ||
| Fwd PE | N/A | ||
| P/S | 2.03 | ||
| P/FCF | 5.81 | ||
| P/OCF | 5.48 | ||
| P/B | 1.4 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.47
EY10.41%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.09
FCFY17.22%
OCF(TTM)4.33
OCFY18.23%
SpS11.71
BVpS16.96
TBVpS16.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 14.59% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.12% | ||
| GM | N/A | ||
| FCFM | 34.87% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 0.87 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 69.69% | ||
| Cap/Sales | 2.06% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 165.09% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC12.23%
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)27.64%
EPS 3Y-12.99%
EPS 5Y-4.17%
EPS Q2Q%157.09%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.05%
Revenue growth 3Y-0.4%
Revenue growth 5Y3.38%
Sales Q2Q%101.45%
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 1Y67.5%
FCF growth 3Y-24.44%
FCF growth 5Y16.24%
OCF growth 1Y58.91%
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 4 / 10 to UNION BANKSHARES INC /VT (UNB). This can be considered as Fairly Valued.
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 57.02%.