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UNB

UNB - Union Bankshares Inc-Morrisville VT Stock Price, Fair Value and News

30.47USD-0.29 (-0.94%)Delayed

Market Summary

UNB
USD30.47-0.29
Delayed
-0.94%

UNB Stock Price

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UNB RSI Chart

UNB Valuation

Market Cap

137.7M

Price/Earnings (Trailing)

12.23

Price/Sales (Trailing)

2.41

EV/EBITDA

1.18

Price/Free Cashflow

19.01

UNB Price/Sales (Trailing)

UNB Profitability

EBT Margin

28.94%

Return on Equity

17.11%

Return on Assets

0.77%

Free Cashflow Yield

5.26%

UNB Fundamentals

UNB Revenue

Revenue (TTM)

57.1M

Rev. Growth (Yr)

24.78%

Rev. Growth (Qtr)

3.83%

UNB Earnings

Earnings (TTM)

11.3M

Earnings Growth (Yr)

-11.47%

Earnings Growth (Qtr)

20.42%

Breaking Down UNB Revenue

Last 7 days

-1.9%

Last 30 days

-1.3%

Last 90 days

-0.3%

Trailing 12 Months

34.8%

How does UNB drawdown profile look like?

UNB Financial Health

Debt/Equity

0.11

Debt/Cashflow

1.28

UNB Investor Care

Dividend Yield

4.73%

Dividend/Share (TTM)

1.44

Shares Dilution (1Y)

0.22%

Diluted EPS (TTM)

2.48

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
202347.3M50.7M54.0M57.1M
202239.5M40.0M41.6M43.9M
202137.3M38.0M38.6M39.3M
202036.2M36.5M36.7M36.8M
201933.2M34.2M35.2M35.9M
201829.7M30.6M31.3M32.2M
201727.2M27.6M28.3M29.0M
201625.5M25.9M26.3M26.8M
201524.9M24.9M25.1M25.1M
201424.7M24.8M24.8M24.9M
201324.8M24.7M24.5M24.5M
201224.4M24.8M25.1M25.0M
201123.1M23.3M23.5M23.7M
201000022.9M

Tracking the Latest Insider Buys and Sells of Union Bankshares Inc-Morrisville VT

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Feb 29, 2024
gould jonathan jay
acquired
-
-
2,226
-
Feb 29, 2024
hale karyn j
acquired
-
-
2,252
chief financial officer
Feb 29, 2024
schoenig vincent w
acquired
-
-
1,862
-
Feb 29, 2024
hogan patricia n
acquired
-
-
1,862
-
Feb 29, 2024
jacques lura l
acquired
-
-
490
-
Feb 29, 2024
silverman david scott
acquired
-
-
4,980
president & ceo
Feb 29, 2024
kendall stephen h
acquired
-
-
1,862
-
Feb 29, 2024
locklin carrie r
acquired
-
-
693
-
Feb 22, 2024
parent mary k
bought
3,114
31.145
100
-
Feb 01, 2024
kendall stephen h
acquired
1,581
30.44
51.9495
-

1–10 of 50

Which funds bought or sold UNB recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Mar 11, 2024
VANGUARD GROUP INC
added
0.12
1,331,260
4,432,240
-%
Mar 08, 2024
TRUST CO OF VERMONT
reduced
-93.56
-551,131
55,783
-%
Feb 29, 2024
Scarborough Advisors, LLC
new
-
6,798
6,798
-%
Feb 15, 2024
BARCLAYS PLC
new
-
7,000
7,000
-%
Feb 14, 2024
Spears Abacus Advisors LLC
reduced
-2.22
401,897
1,417,260
0.11%
Feb 14, 2024
Royal Bank of Canada
added
235
2,000
2,000
-%
Feb 14, 2024
BRIDGEWAY CAPITAL MANAGEMENT, LLC
unchanged
-
135,218
502,354
0.01%
Feb 14, 2024
BNP PARIBAS FINANCIAL MARKETS
unchanged
-
284
950
-%
Feb 14, 2024
LPL Financial LLC
added
13.95
366,127
950,295
-%

1–10 of 34

Are Funds Buying or Selling UNB?

Are funds buying UNB calls or puts?
Calls
Puts
No. of funds holding Calls - Puts
Net Call Options
No. of funds that own UNB
No. of Funds

Recent SEC filings of Union Bankshares Inc-Morrisville VT

View All Filings
Date Filed Form Type Document
Mar 26, 2024
10-K
Annual Report
Mar 01, 2024
4
Insider Trading
Mar 01, 2024
4
Insider Trading
Mar 01, 2024
4
Insider Trading
Mar 01, 2024
4
Insider Trading
Mar 01, 2024
4
Insider Trading
Mar 01, 2024
4
Insider Trading
Mar 01, 2024
4
Insider Trading
Mar 01, 2024
4
Insider Trading
Feb 22, 2024
4
Insider Trading

Peers (Alternatives to Union Bankshares Inc-Morrisville VT)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
574.7B
171.1B
9.83% 42.39%
11.6
3.36
60.72% 31.52%
297.7B
130.3B
8.68% 33.18%
11.23
2.29
79.51% -3.68%
206.2B
85.7B
10.06% 39.05%
10.77
2.41
41.49% 39.96%
120.0B
133.3B
10.88% 37.45%
13
0.9
79.09% -
16.4B
10.2B
11.38% -2.76%
10.23
1.61
44.53% -22.43%
14.6B
7.9B
6.82% 30.36%
15.11
1.84
46.47% -49.56%
MID-CAP
7.2B
4.2B
2.60% 18.49%
8.16
1.72
56.25% -23.46%
6.4B
3.9B
0.02% 35.77%
9.4
1.62
45.91% -25.03%
3.3B
1.3B
-0.91% 7.40%
12.35
2.6
43.24% -22.35%
3.2B
2.0B
-1.30% -0.93%
17.55
1.64
70.97% -50.03%
SMALL-CAP
509.4M
120.2M
2.72% 45.71%
19.47
4.24
25.23% -24.02%
428.7M
164.9M
-6.65% 19.35%
36.65
2.6
42.66% -70.76%
411.8M
162.6M
-0.86% -7.25%
13.69
2.53
25.39% -38.37%
313.8M
96.6M
-6.16% 2.24%
9.9
3.25
11.02% -11.37%
46.8M
60.9M
-6.19% -32.56%
-13.99
0.77
24.06% -144.92%

Union Bankshares Inc-Morrisville VT News

Latest updates
Vermont Biz5 years ago

Union Bankshares Inc-Morrisville VT Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Thousands)
Income Statement (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Revenue3.8%15.0015.0014.0013.0012.0011.0010.0010.0010.0010.0010.0010.009.009.009.009.009.009.009.009.009.00
EBITDA Margin-5.4%1.00*1.06*1.16*1.24*1.31*1.36*1.38*1.38*1.38*1.37*1.37*1.35*---------
Interest Expenses-100.0%-9.0010.0010.0010.0010.0010.009.009.009.009.008.008.008.008.008.008.008.008.007.007.00
Income Taxes45.3%0.000.000.000.001.001.001.000.001.001.001.001.001.001.000.000.000.000.000.000.00-0.18
Earnings Before Taxes-----------4.003.005.005.003.003.003.003.003.003.00-0.61
EBT Margin-5.4%0.29*0.31*0.33*0.35*0.38*0.40*0.41*0.42*0.42*0.43*0.43*0.43*---------
Net Income20.4%3.003.003.003.003.004.003.002.003.004.003.003.004.004.003.002.003.003.003.003.00-0.44
Net Income Margin-8.6%0.20*0.22*0.25*0.28*0.29*0.30*0.32*0.32*0.34*0.35*0.36*0.36*---------
Free Cashflow834.0%2.00-0.303.002.006.006.001.0015.002.0029.00-0.17-5.08---------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Assets5.2%1,4691,3961,3351,3621,3361,3001,1921,2341,2051,1581,0661,1041,0941,009917883873845774813805
    Cash Equivalents264.1%78.0021.0036.0022.0038.0032.0025.0051.0066.0012061.0057.0012364.0037.0042.0051.0030.00--37.00
  Net PPE2.0%21.0020.0020.0020.0020.0021.0021.0021.0022.0022.0022.0020.0020.0020.0020.0021.0021.0023.0021.0019.0016.00
  Goodwill-------------2.002.002.002.002.00---2.00
Liabilities4.2%1,4031,3461,2761,3011,2811,2511,1321,1641,1211,0759841,0241,013931841809801774705747741
  Long Term Debt-----------7.007.007.009.009.0062.0047.0047.0042.0038.0028.00
Shareholder's Equity33.6%66.0049.0059.0061.0055.0050.0060.0069.0084.0084.0082.0080.0081.0078.0076.0074.0072.0071.0069.0067.0064.00
  Retained Earnings1.6%89.0088.0087.0086.0085.0083.0081.0079.0078.0076.0074.0072.0071.0069.0066.0065.0064.0063.0061.0060.0059.00
  Additional Paid-In Capital0.5%3.003.002.002.002.002.002.002.002.002.002.002.001.001.001.001.001.001.001.001.001.00
Shares Outstanding-100.0%-5.005.005.00-4.004.004.00-4.004.004.00-4.00-------
Float-------105---143---74.00---145--
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Cashflow From Operations638.4%3,0354113,6612,0846,3106,3751,57814,7681,89229,9162,158-4,7764,62015,372-20,137-6,91710,252-7671,1131,0466,908
  Share Based Compensation-80.0%26.0013010511387.0012313310325.0091.0091.0092.0027.0058.0075.0076.0021.0054.0047.0043.00-3.00
Cashflow From Investing95.9%-3,392-81,97538,777-35,662-29,508-116,3295,669-67,415-102,042-58,58144,236-73,621-26,795-76,686-14,292-8,136-14,943-62,37842,337-13,945-6,961
Cashflow From Financing-15.5%56,69367,091-28,45417,51228,942116,799-32,75337,52745,99187,515-41,66912,13280,46989,16329,3455,63125,92567,356-44,3532,20223,442
  Dividend Payments-0.1%1,6221,6231,6231,6231,5761,5741,5731,5731,4801,4791,4791,4791,4321,4321,4311,4321,3731,3781,3771,3731,332
  Buy Backs-72.7%15.0055.00-60.00--4.0075.00---2.00-------13.00104

UNB Income Statement

2023-12-31
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Interest and dividend income  
Interest and fees on loans$ 49,283$ 38,358
Interest on debt securities:  
Taxable4,5774,217
Tax exempt1,956913
Dividends26328
Interest on federal funds sold and overnight deposits630245
Interest on interest bearing deposits in banks401187
Total interest and dividend income57,11043,948
Interest expense  
Interest on deposits15,8933,522
Interest on short-term borrowed funds1,406433
Interest on long-term borrowed funds1,3980
Interest on subordinated notes570569
Total interest expense19,2674,524
    Net interest income37,84339,424
Credit loss benefit, net(499)0
    Net interest income after credit loss benefit38,34239,424
Noninterest income  
Wealth management income943838
Service fees7,0026,859
Net gains on sales of investment securities available-for-sale031
Net gains on sales of loans held for sale1,1631,004
Net gains (losses) on other investments189(60)
Other income607781
Total noninterest income9,9049,453
Noninterest expenses  
Salaries and wages14,24714,083
Employee benefits5,3655,030
Occupancy expense, net2,0351,913
Equipment expense3,7223,692
Other expenses10,0008,912
Total noninterest expenses35,36933,630
        Income before provision for income taxes12,87715,247
Provision for income taxes1,6202,632
Net income$ 11,257$ 12,615
Basic earnings per common share (in usd per share)$ 2.50$ 2.81
Diluted earnings per common share (in usd per share)2.482.79
Dividends per common share (in usd per share)$ 1.44$ 1.40

UNB Balance Sheet

2023-12-31
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2023
Dec. 31, 2022
Assets  
Cash and due from banks$ 4,429$ 4,504
Federal funds sold and overnight deposits73,23733,381
Cash and cash equivalents77,66637,885
Interest bearing deposits in banks14,69016,428
Investment securities available-for-sale264,383250,267
Other investments1,5001,264
Total investments265,883251,531
Loans held for sale3,0701,178
Loans1,028,270958,157
Allowance for credit losses on loans(6,566)(8,339)
Net deferred loan costs1,7521,336
Net loans1,023,456951,154
Premises and equipment, net20,77120,479
Company-owned life insurance18,96518,518
Other assets44,37839,316
Total assets1,468,8791,336,489
Deposits  
Noninterest bearing250,992286,145
Interest bearing765,689762,722
Time288,922153,045
Total deposits1,305,6031,201,912
Borrowed funds65,69650,000
Subordinated notes16,23916,205
Accrued interest and other liabilities15,53413,152
Total liabilities1,403,0721,281,269
Commitments and Contingencies (Notes 9, 15, 16, 18, 19 and 22)
Stockholders’ Equity  
Common stock, $2.00 par value; 7,500,000 shares authorized; 4,995,348 shares issued at December 31, 2023 and 4,982,523 shares issued at December 31, 20229,9919,965
Additional-paid-in capital2,6212,225
Retained earnings89,47284,669
Treasury stock at cost; 476,500 shares at December 31, 2023 and 473,936 shares at December 31, 2022(4,322)(4,220)
Accumulated other comprehensive loss(31,955)(37,419)
Total stockholders' equity65,80755,220
Total liabilities and stockholders' equity$ 1,468,879$ 1,336,489
UNB
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. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.
 CEO
 WEBSITEwww.ublocal.com
 EMPLOYEES188

Union Bankshares Inc-Morrisville VT Frequently Asked Questions


What is the ticker symbol for Union Bankshares Inc-Morrisville VT? What does UNB stand for in stocks?

UNB is the stock ticker symbol of Union Bankshares Inc-Morrisville VT. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Union Bankshares Inc-Morrisville VT (UNB)?

As of Wed Mar 27 2024, market cap of Union Bankshares Inc-Morrisville VT is 137.71 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UNB stock?

You can check UNB's fair value in chart for subscribers.

What is the fair value of UNB stock?

You can check UNB's fair value in chart for subscribers. The fair value of Union Bankshares Inc-Morrisville VT is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Union Bankshares Inc-Morrisville VT is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UNB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Union Bankshares Inc-Morrisville VT a good stock to buy?

The fair value guage provides a quick view whether UNB is over valued or under valued. Whether Union Bankshares Inc-Morrisville VT is cheap or expensive depends on the assumptions which impact Union Bankshares Inc-Morrisville VT's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UNB.

What is Union Bankshares Inc-Morrisville VT's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed Mar 27 2024, UNB's PE ratio (Price to Earnings) is 12.23 and Price to Sales (PS) ratio is 2.41. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UNB PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Union Bankshares Inc-Morrisville VT's stock?

In the past 10 years, Union Bankshares Inc-Morrisville VT has provided 0.059 (multiply by 100 for percentage) rate of return.