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UNION BANKSHARES INC /VT (UNB) Stock Fundamental Analysis

NASDAQ:UNB - Nasdaq - US9054001071 - Common Stock - Currency: USD

28.9  -1.7 (-5.56%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to UNB. UNB was compared to 405 industry peers in the Banks industry. UNB may be in some trouble as it scores bad on both profitability and health. UNB is valued expensive and it does not seem to be growing. UNB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year UNB was profitable.
In the past year UNB had a positive cash flow from operations.
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.
UNB Yearly Net Income VS EBIT VS OCF VS FCFUNB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M

1.2 Ratios

The Return On Assets of UNB (0.58%) is worse than 67.17% of its industry peers.
UNB has a better Return On Equity (12.18%) than 84.46% of its industry peers.
Industry RankSector Rank
ROA 0.58%
ROE 12.18%
ROIC N/A
ROA(3y)0.93%
ROA(5y)1.04%
ROE(3y)18.53%
ROE(5y)17.25%
ROIC(3y)N/A
ROIC(5y)N/A
UNB Yearly ROA, ROE, ROICUNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 18.89%, UNB is doing worse than 64.41% of the companies in the same industry.
In the last couple of years the Profit Margin of UNB has grown nicely.
UNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 18.89%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.31%
PM growth 5Y4.89%
GM growth 3YN/A
GM growth 5YN/A
UNB Yearly Profit, Operating, Gross MarginsUNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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2

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
The number of shares outstanding for UNB has been increased compared to 5 years ago.
UNB has a better debt/assets ratio than last year.
UNB Yearly Shares OutstandingUNB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M
UNB Yearly Total Debt VS Total AssetsUNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B

2.2 Solvency

UNB has a debt to FCF ratio of 2.12. This is a good value and a sign of high solvency as UNB would need 2.12 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.12, UNB perfoms like the industry average, outperforming 59.15% of the companies in the same industry.
A Debt/Equity ratio of 0.22 indicates that UNB is not too dependend on debt financing.
UNB's Debt to Equity ratio of 0.22 is in line compared to the rest of the industry. UNB outperforms 45.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.12
Altman-Z N/A
ROIC/WACCN/A
WACC13.25%
UNB Yearly LT Debt VS Equity VS FCFUNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UNB Yearly Current Assets VS Current LiabilitesUNB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M

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1

3. Growth

3.1 Past

The earnings per share for UNB have decreased strongly by -11.08% in the last year.
The Earnings Per Share has been growing by 9.31% on average over the past years. This is quite good.
UNB shows a decrease in Revenue. In the last year, the revenue decreased by -1.37%.
UNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.63% yearly.
EPS 1Y (TTM)-11.08%
EPS 3Y-4.52%
EPS 5Y9.31%
EPS Q2Q%-1.47%
Revenue 1Y (TTM)-1.37%
Revenue growth 3Y0.1%
Revenue growth 5Y4.63%
Sales Q2Q%N/A

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.
UNB Yearly Revenue VS EstimatesUNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
UNB Yearly EPS VS EstimatesUNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.5 1 1.5 2 2.5

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2

4. Valuation

4.1 Price/Earnings Ratio

UNB is valuated reasonably with a Price/Earnings ratio of 11.56.
Based on the Price/Earnings ratio, UNB is valued a bit cheaper than 65.66% of the companies in the same industry.
When comparing the Price/Earnings ratio of UNB to the average of the S&P500 Index (29.62), we can say UNB is valued rather cheaply.
Industry RankSector Rank
PE 11.56
Fwd PE N/A
UNB Price Earnings VS Forward Price EarningsUNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

60.65% of the companies in the same industry are cheaper than UNB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.06
EV/EBITDA N/A
UNB Per share dataUNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.24
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

UNB has a Yearly Dividend Yield of 4.71%, which is a nice return.
Compared to an average industry Dividend Yield of 3.19, UNB pays a better dividend. On top of this UNB pays more dividend than 89.22% of the companies listed in the same industry.
UNB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 4.71%

5.2 History

The dividend of UNB has a limited annual growth rate of 3.73%.
UNB has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of UNB decreased recently.
Dividend Growth(5Y)3.73%
Div Incr Years0
Div Non Decr Years1
UNB Yearly Dividends per shareUNB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

UNB pays out 73.07% of its income as dividend. This is not a sustainable payout ratio.
UNB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP73.07%
EPS Next 2YN/A
EPS Next 3YN/A
UNB Yearly Income VS Free CF VS DividendUNB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M
UNB Dividend Payout.UNB Dividend Payout, showing the Payout Ratio.UNB Dividend Payout.PayoutRetained Earnings

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UNION BANKSHARES INC /VT

NASDAQ:UNB (2/21/2025, 8:00:01 PM)

28.9

-1.7 (-5.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15 2025-01-15
Earnings (Next)04-15 2025-04-15
Inst Owners19.77%
Inst Owner Change-42.54%
Ins Owners1.76%
Ins Owner Change0%
Market Cap130.63M
Analysts0
Price TargetN/A
Short Float %0.79%
Short Ratio3.47
Dividend
Industry RankSector Rank
Dividend Yield 4.71%
Yearly Dividend1.42
Dividend Growth(5Y)3.73%
DP73.07%
Div Incr Years0
Div Non Decr Years1
Ex-Date01-24 2025-01-24 (0.36)
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 RankSector Rank
PE 11.56
Fwd PE N/A
P/S 2.8
P/FCF 17.06
P/OCF 13.86
P/B 1.81
P/tB 1.81
EV/EBITDA N/A
EPS(TTM)2.5
EY8.65%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.69
FCFY5.86%
OCF(TTM)2.08
OCFY7.21%
SpS10.32
BVpS16
TBVpS16
PEG (NY)N/A
PEG (5Y)1.24
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 12.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.89%
GM N/A
FCFM 16.42%
ROA(3y)0.93%
ROA(5y)1.04%
ROE(3y)18.53%
ROE(5y)17.25%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.31%
PM growth 5Y4.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.12
Debt/EBITDA N/A
Cap/Depr 107.35%
Cap/Sales 3.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 86.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.25%
ROIC/WACCN/A
Cap/Depr(3y)113.56%
Cap/Depr(5y)151.74%
Cap/Sales(3y)4.22%
Cap/Sales(5y)6.11%
Profit Quality(3y)161.36%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-11.08%
EPS 3Y-4.52%
EPS 5Y9.31%
EPS Q2Q%-1.47%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.37%
Revenue growth 3Y0.1%
Revenue growth 5Y4.63%
Sales Q2Q%N/A
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 1Y-67.92%
FCF growth 3YN/A
FCF growth 5Y-11.95%
OCF growth 1Y-61.71%
OCF growth 3YN/A
OCF growth 5Y-11.32%