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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.92
UNB's Cash to Debt is ranked lower than
57% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. UNB: 0.92 )
Ranked among companies with meaningful Cash to Debt only.
UNB' s 10-Year Cash to Debt Range
Min: 0.53  Med: 1.27 Max: N/A
Current: 0.92
Equity to Asset 0.08
UNB's Equity to Asset is ranked lower than
70% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UNB: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
UNB' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.11 Max: 0.12
Current: 0.08
0.07
0.12
Interest Coverage 4.49
UNB's Interest Coverage is ranked higher than
77% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. UNB: 4.49 )
Ranked among companies with meaningful Interest Coverage only.
UNB' s 10-Year Interest Coverage Range
Min: 0.67  Med: 1.62 Max: 4.49
Current: 4.49
0.67
4.49
F-Score: 5
WACC vs ROIC
4.90%
15.16%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 30.73
UNB's Operating margin (%) is ranked higher than
53% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. UNB: 30.73 )
Ranked among companies with meaningful Operating margin (%) only.
UNB' s 10-Year Operating margin (%) Range
Min: -256.05  Med: 30.59 Max: 40.18
Current: 30.73
-256.05
40.18
Net-margin (%) 24.43
UNB's Net-margin (%) is ranked higher than
60% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. UNB: 24.43 )
Ranked among companies with meaningful Net-margin (%) only.
UNB' s 10-Year Net-margin (%) Range
Min: 19.41  Med: 26.75 Max: 139.17
Current: 24.43
19.41
139.17
ROE (%) 15.08
UNB's ROE (%) is ranked higher than
83% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. UNB: 15.08 )
Ranked among companies with meaningful ROE (%) only.
UNB' s 10-Year ROE (%) Range
Min: 12.57  Med: 13.53 Max: 16.03
Current: 15.08
12.57
16.03
ROA (%) 1.30
UNB's ROA (%) is ranked higher than
77% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UNB: 1.30 )
Ranked among companies with meaningful ROA (%) only.
UNB' s 10-Year ROA (%) Range
Min: 1.04  Med: 1.43 Max: 1.7
Current: 1.3
1.04
1.7
ROC (Joel Greenblatt) (%) 85.89
UNB's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. UNB: 85.89 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -368.4  Med: 107.92 Max: 173.35
Current: 85.89
-368.4
173.35
Revenue Growth (3Y)(%) 5.50
UNB's Revenue Growth (3Y)(%) is ranked higher than
67% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. UNB: 5.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.6  Med: 5.45 Max: 87.1
Current: 5.5
0.6
87.1
EBITDA Growth (3Y)(%) 14.90
UNB's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UNB: 14.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UNB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -10  Med: 3.80 Max: 14.9
Current: 14.9
-10
14.9
EPS Growth (3Y)(%) 13.90
UNB's EPS Growth (3Y)(%) is ranked higher than
60% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. UNB: 13.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -5.9  Med: 4.70 Max: 13.9
Current: 13.9
-5.9
13.9
» UNB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 15.00
UNB's P/E(ttm) is ranked lower than
56% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. UNB: 15.00 )
Ranked among companies with meaningful P/E(ttm) only.
UNB' s 10-Year P/E(ttm) Range
Min: 11.96  Med: 15.26 Max: 19.47
Current: 15
11.96
19.47
Forward P/E 11.44
UNB's Forward P/E is ranked higher than
58% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. UNB: 11.44 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.90
UNB's PE(NRI) is ranked lower than
56% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. UNB: 14.90 )
Ranked among companies with meaningful PE(NRI) only.
UNB' s 10-Year PE(NRI) Range
Min: 11.98  Med: 15.29 Max: 19.44
Current: 14.9
11.98
19.44
P/B 2.23
UNB's P/B is ranked lower than
91% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UNB: 2.23 )
Ranked among companies with meaningful P/B only.
UNB' s 10-Year P/B Range
Min: 1.63  Med: 2.10 Max: 2.64
Current: 2.23
1.63
2.64
P/S 3.64
UNB's P/S is ranked lower than
65% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. UNB: 3.64 )
Ranked among companies with meaningful P/S only.
UNB' s 10-Year P/S Range
Min: 2.69  Med: 3.52 Max: 5.46
Current: 3.64
2.69
5.46
PFCF 145.17
UNB's PFCF is ranked lower than
98% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. UNB: 145.17 )
Ranked among companies with meaningful PFCF only.
UNB' s 10-Year PFCF Range
Min: 4.37  Med: 11.39 Max: 2504
Current: 145.17
4.37
2504
POCF 33.08
UNB's POCF is ranked lower than
91% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. UNB: 33.08 )
Ranked among companies with meaningful POCF only.
UNB' s 10-Year POCF Range
Min: 4.12  Med: 9.98 Max: 99.5
Current: 33.08
4.12
99.5
EV-to-EBIT 12.01
UNB's EV-to-EBIT is ranked higher than
61% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. UNB: 12.01 )
Ranked among companies with meaningful EV-to-EBIT only.
UNB' s 10-Year EV-to-EBIT Range
Min: 8.2  Med: 11.60 Max: 16.2
Current: 12.01
8.2
16.2
PEG 1.69
UNB's PEG is ranked lower than
66% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. UNB: 1.69 )
Ranked among companies with meaningful PEG only.
UNB' s 10-Year PEG Range
Min: 1.31  Med: 2.42 Max: 44.9
Current: 1.69
1.31
44.9
Shiller P/E 17.61
UNB's Shiller P/E is ranked lower than
52% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.18 vs. UNB: 17.61 )
Ranked among companies with meaningful Shiller P/E only.
UNB' s 10-Year Shiller P/E Range
Min: 10.51  Med: 15.01 Max: 18.9
Current: 17.61
10.51
18.9
Days Sales Outstanding 23.76
UNB's Days Sales Outstanding is ranked higher than
72% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. UNB: 23.76 )
Ranked among companies with meaningful Days Sales Outstanding only.
UNB' s 10-Year Days Sales Outstanding Range
Min: 17.44  Med: 32.36 Max: 274.12
Current: 23.76
17.44
274.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.06
UNB's Dividend Yield is ranked higher than
76% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. UNB: 4.06 )
Ranked among companies with meaningful Dividend Yield only.
UNB' s 10-Year Dividend Yield Range
Min: 3.62  Med: 5.07 Max: 7.57
Current: 4.06
3.62
7.57
Dividend Payout 0.60
UNB's Dividend Payout is ranked lower than
83% of the 1279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UNB: 0.60 )
Ranked among companies with meaningful Dividend Payout only.
UNB' s 10-Year Dividend Payout Range
Min: 0.51  Med: 0.76 Max: 1.09
Current: 0.6
0.51
1.09
Dividend growth (3y) 1.30
UNB's Dividend growth (3y) is ranked lower than
71% of the 652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UNB: 1.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
UNB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.80 Max: 68
Current: 1.3
0
68
Yield on cost (5-Year) 4.10
UNB's Yield on cost (5-Year) is ranked higher than
65% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. UNB: 4.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNB' s 10-Year Yield on cost (5-Year) Range
Min: 3.66  Med: 5.12 Max: 7.65
Current: 4.1
3.66
7.65

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.37
UNB's Price/Tangible Book is ranked lower than
89% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UNB: 2.37 )
Ranked among companies with meaningful Price/Tangible Book only.
UNB' s 10-Year Price/Tangible Book Range
Min: 1.45  Med: 2.20 Max: 5.04
Current: 2.37
1.45
5.04
Price/Projected FCF 1.11
UNB's Price/Projected FCF is ranked lower than
79% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. UNB: 1.11 )
Ranked among companies with meaningful Price/Projected FCF only.
UNB' s 10-Year Price/Projected FCF Range
Min: 0.63  Med: 0.95 Max: 1.41
Current: 1.11
0.63
1.41
Price/Median PS Value 1.03
UNB's Price/Median PS Value is ranked higher than
61% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UNB: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
UNB' s 10-Year Price/Median PS Value Range
Min: 0.77  Med: 1.02 Max: 1.97
Current: 1.03
0.77
1.97
Price/Peter Lynch Fair Value 1.39
UNB's Price/Peter Lynch Fair Value is ranked lower than
71% of the 348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. UNB: 1.39 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UNB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.31  Med: 2.14 Max: 3.07
Current: 1.39
1.31
3.07
Price/Graham Number 1.25
UNB's Price/Graham Number is ranked lower than
80% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UNB: 1.25 )
Ranked among companies with meaningful Price/Graham Number only.
UNB' s 10-Year Price/Graham Number Range
Min: 0.83  Med: 1.19 Max: 2.93
Current: 1.25
0.83
2.93
Earnings Yield (Greenblatt) (%) 8.30
UNB's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UNB: 8.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.2  Med: 8.60 Max: 12.2
Current: 8.3
6.2
12.2
Forward Rate of Return (Yacktman) (%) 16.61
UNB's Forward Rate of Return (Yacktman) (%) is ranked higher than
57% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. UNB: 16.61 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UNB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1.9  Med: 10.20 Max: 17.5
Current: 16.61
-1.9
17.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 definable 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 organizations, 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 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 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.
» More Articles for UNB

Headlines

Articles On GuruFocus.com
Merchants Bancshares, Inc. Announces Appointment of Chief Financial Officer Oct 15 2014 
Union Bankshares Inc Reports Operating Results (10-Q) Nov 12 2010 
Union Bankshares Inc Reports Operating Results (10-Q) Aug 13 2010 
Union Bankshares Inc Reports Operating Results (10-Q) May 14 2010 
Union Bankshares Inc Reports Operating Results (10-Q) Nov 16 2009 
Union Bankshares Inc Reports Operating Results (10-Q) Aug 14 2009 
Union Bankshares Corporation Declares Cash Dividend Aug 04 2009 
Union Bankshares Corporation Declares Cash Dividend Aug 03 2009 
Union Bankshares Inc Reports Operating Results (10-Q) May 15 2009 
Union Bankshares Corporation Declares Cash Dividend Feb 04 2009 

More From Other Websites
Union Bank Announces Officer Promotions Jun 29 2015
UNION BANKSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2015
UNION BANKSHARES INC Financials May 19 2015
UNION BANKSHARES INC Files SEC form 10-Q, Quarterly Report May 11 2015
10-Q for Union Bankshares, Inc. (Vermont) May 09 2015
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 08 2015
Union Bankshares posts 1Q profit Apr 20 2015
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 15 2015
Union Bankshares Announces First Quarter Ended March 31, 2015 Earnings and Quarterly Dividend... Apr 15 2015
UNION BANKSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 10 2015
UNION BANKSHARES INC Files SEC form 10-K, Annual Report Mar 13 2015
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 09 2015
Union Bankshares posts 4Q profit Jan 28 2015
Union Bankshares posts 4Q profit Jan 28 2015
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 21 2015
UNION BANKSHARES INC Files SEC form 10-Q, Quarterly Report Nov 12 2014
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 06 2014
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 15 2014
Merchants Bancshares, Inc. Announces Appointment of Chief Financial Officer Oct 02 2014
UNION BANKSHARES INC Files SEC form 10-Q, Quarterly Report Aug 14 2014

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