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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.44
UNB's Cash-to-Debt is ranked lower than
75% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. UNB: 0.44 )
Ranked among companies with meaningful Cash-to-Debt only.
UNB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.44  Med: 1.71 Max: 5.26
Current: 0.44
0.44
5.26
Equity-to-Asset 0.08
UNB's Equity-to-Asset is ranked lower than
70% of the 1484 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.11 Max: 0.12
Current: 0.08
0.07
0.12
Interest Coverage 5.12
UNB's Interest Coverage is ranked higher than
81% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. UNB: 5.12 )
Ranked among companies with meaningful Interest Coverage only.
UNB' s Interest Coverage Range Over the Past 10 Years
Min: 0.85  Med: 2.16 Max: 5.12
Current: 5.12
0.85
5.12
Beneish M-Score: -2.94
WACC vs ROIC
5.58%
12.88%
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 : 6/10

vs
industry
vs
history
Operating Margin % 30.20
UNB's Operating Margin % is ranked lower than
51% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. UNB: 30.20 )
Ranked among companies with meaningful Operating Margin % only.
UNB' s Operating Margin % Range Over the Past 10 Years
Min: 23.57  Med: 29.65 Max: 34.11
Current: 30.2
23.57
34.11
Net Margin % 24.38
UNB's Net Margin % is ranked higher than
59% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. UNB: 24.38 )
Ranked among companies with meaningful Net Margin % only.
UNB' s Net Margin % Range Over the Past 10 Years
Min: 19.41  Med: 23.36 Max: 25.31
Current: 24.38
19.41
25.31
ROE % 15.35
UNB's ROE % is ranked higher than
86% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. UNB: 15.35 )
Ranked among companies with meaningful ROE % only.
UNB' s ROE % Range Over the Past 10 Years
Min: 12.57  Med: 14.25 Max: 16.03
Current: 15.35
12.57
16.03
ROA % 1.30
UNB's ROA % is ranked higher than
78% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UNB: 1.30 )
Ranked among companies with meaningful ROA % only.
UNB' s ROA % Range Over the Past 10 Years
Min: 1.04  Med: 1.24 Max: 1.46
Current: 1.3
1.04
1.46
3-Year Revenue Growth Rate 4.60
UNB's 3-Year Revenue Growth Rate is ranked higher than
55% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. UNB: 4.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UNB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0.6  Med: 5 Max: 87.4
Current: 4.6
0.6
87.4
3-Year EBITDA Growth Rate 5.90
UNB's 3-Year EBITDA Growth Rate is ranked higher than
50% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. UNB: 5.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UNB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -10  Med: 5.05 Max: 14.9
Current: 5.9
-10
14.9
3-Year EPS without NRI Growth Rate 6.10
UNB's 3-Year EPS without NRI Growth Rate is ranked lower than
53% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UNB: 6.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UNB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -5.9  Med: 5.05 Max: 13.9
Current: 6.1
-5.9
13.9
GuruFocus has detected 6 Warning Signs with Union Bankshares Inc $UNB.
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» UNB's 10-Y Financials

Financials (Next Earnings Date: 2017-05-18 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BCBP, OTCPK:BERK, NAS:BOCH, NAS:BKSC, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
Union Bankshares Inc is a bank holding company for Union Bank, which offers retail and commercial banking services to its customers through its branches, ATMs, telebanking, and internet banking systems.

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.

Ratios

vs
industry
vs
history
PE Ratio 22.15
UNB's PE Ratio is ranked lower than
82% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. UNB: 22.15 )
Ranked among companies with meaningful PE Ratio only.
UNB' s PE Ratio Range Over the Past 10 Years
Min: 11.91  Med: 15.21 Max: 24.29
Current: 22.15
11.91
24.29
PE Ratio without NRI 22.15
UNB's PE Ratio without NRI is ranked lower than
82% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. UNB: 22.15 )
Ranked among companies with meaningful PE Ratio without NRI only.
UNB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.91  Med: 15.21 Max: 24.29
Current: 22.15
11.91
24.29
Price-to-Owner-Earnings 24.74
UNB's Price-to-Owner-Earnings is ranked lower than
84% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. UNB: 24.74 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UNB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.15  Med: 15.68 Max: 623.93
Current: 24.74
7.15
623.93
PB Ratio 3.35
UNB's PB Ratio is ranked lower than
97% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UNB: 3.35 )
Ranked among companies with meaningful PB Ratio only.
UNB' s PB Ratio Range Over the Past 10 Years
Min: 1.63  Med: 2.1 Max: 3.68
Current: 3.35
1.63
3.68
PS Ratio 5.40
UNB's PS Ratio is ranked lower than
85% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. UNB: 5.40 )
Ranked among companies with meaningful PS Ratio only.
UNB' s PS Ratio Range Over the Past 10 Years
Min: 2.69  Med: 3.52 Max: 5.93
Current: 5.4
2.69
5.93
Price-to-Free-Cash-Flow 33.05
UNB's Price-to-Free-Cash-Flow is ranked lower than
90% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. UNB: 33.05 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UNB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.36  Med: 15.22 Max: 3130
Current: 33.05
4.36
3130
Price-to-Operating-Cash-Flow 24.68
UNB's Price-to-Operating-Cash-Flow is ranked lower than
89% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. UNB: 24.68 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UNB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.13  Med: 12.42 Max: 100
Current: 24.68
4.13
100
EV-to-EBIT 19.59
UNB's EV-to-EBIT is ranked lower than
70% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. UNB: 19.59 )
Ranked among companies with meaningful EV-to-EBIT only.
UNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.2  Med: 11.9 Max: 21.3
Current: 19.59
8.2
21.3
EV-to-EBITDA 17.26
UNB's EV-to-EBITDA is ranked lower than
70% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. UNB: 17.26 )
Ranked among companies with meaningful EV-to-EBITDA only.
UNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.3  Med: 10.7 Max: 18.8
Current: 17.26
7.3
18.8
PEG Ratio 2.33
UNB's PEG Ratio is ranked lower than
69% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. UNB: 2.33 )
Ranked among companies with meaningful PEG Ratio only.
UNB' s PEG Ratio Range Over the Past 10 Years
Min: 1.37  Med: 1.99 Max: 17.55
Current: 2.33
1.37
17.55
Shiller PE Ratio 27.43
UNB's Shiller PE Ratio is ranked lower than
73% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. UNB: 27.43 )
Ranked among companies with meaningful Shiller PE Ratio only.
UNB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.82  Med: 14.59 Max: 30.13
Current: 27.43
10.82
30.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.67
UNB's Dividend Yield % is ranked lower than
54% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. UNB: 2.67 )
Ranked among companies with meaningful Dividend Yield % only.
UNB' s Dividend Yield % Range Over the Past 10 Years
Min: 2.39  Med: 5.07 Max: 7.57
Current: 2.67
2.39
7.57
Dividend Payout Ratio 0.58
UNB's Dividend Payout Ratio is ranked lower than
82% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UNB: 0.58 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UNB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.58  Med: 0.72 Max: 0.98
Current: 0.58
0.58
0.98
3-Year Dividend Growth Rate 3.20
UNB's 3-Year Dividend Growth Rate is ranked lower than
66% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. UNB: 3.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UNB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -3.7  Med: 2.9 Max: 18.8
Current: 3.2
-3.7
18.8
Forward Dividend Yield % 2.74
UNB's Forward Dividend Yield % is ranked lower than
57% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. UNB: 2.74 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.99
UNB's 5-Year Yield-on-Cost % is ranked lower than
58% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. UNB: 2.99 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UNB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.68  Med: 5.68 Max: 8.48
Current: 2.99
2.68
8.48

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.54
UNB's Price-to-Tangible-Book is ranked lower than
96% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. UNB: 3.54 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UNB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.49  Med: 2.2 Max: 3.8
Current: 3.54
1.49
3.8
Price-to-Intrinsic-Value-Projected-FCF 1.56
UNB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
89% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. UNB: 1.56 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UNB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.69  Med: 0.97 Max: 1.68
Current: 1.56
0.69
1.68
Price-to-Median-PS-Value 1.54
UNB's Price-to-Median-PS-Value is ranked lower than
84% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. UNB: 1.54 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UNB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.77  Med: 1.07 Max: 1.73
Current: 1.54
0.77
1.73
Price-to-Peter-Lynch-Fair-Value 2.65
UNB's Price-to-Peter-Lynch-Fair-Value is ranked lower than
89% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UNB: 2.65 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UNB' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.38  Med: 2.07 Max: 2.85
Current: 2.65
1.38
2.85
Price-to-Graham-Number 1.87
UNB's Price-to-Graham-Number is ranked lower than
95% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. UNB: 1.87 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UNB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.85  Med: 1.19 Max: 2.01
Current: 1.87
0.85
2.01
Earnings Yield (Greenblatt) % 5.10
UNB's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. UNB: 5.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.7  Med: 8.4 Max: 12.2
Current: 5.1
4.7
12.2
Forward Rate of Return (Yacktman) % 12.13
UNB's Forward Rate of Return (Yacktman) % is ranked higher than
52% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. UNB: 12.13 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UNB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -0.6  Med: 11.85 Max: 17.6
Current: 12.13
-0.6
17.6

More Statistics

Revenue (TTM) (Mil) $34.92
EPS (TTM) $ 1.91
Beta0.39
Short Percentage of Float3.61%
52-Week Range $28.25 - 50.15
Shares Outstanding (Mil)4.46
» More Articles for UNB

Headlines

Articles On GuruFocus.com
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 Inc Reports Operating Results (10-Q) May 15 2009 

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