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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 0.37
UNB's Cash to Debt is ranked lower than
79% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. UNB: 0.37 )
Ranked among companies with meaningful Cash to Debt only.
UNB' s Cash to Debt Range Over the Past 10 Years
Min: 0.37  Med: 1.27 Max: N/A
Current: 0.37
Equity to Asset 0.08
UNB's Equity to Asset is ranked lower than
72% of the 1612 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 5.25
UNB's Interest Coverage is ranked higher than
81% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. UNB: 5.25 )
Ranked among companies with meaningful Interest Coverage only.
UNB' s Interest Coverage Range Over the Past 10 Years
Min: 0.85  Med: 1.7 Max: 5.25
Current: 5.25
0.85
5.25
F-Score: 4
M-Score: -2.78
WACC vs ROIC
6.32%
13.05%
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 (%) 30.30
UNB's Operating margin (%) is ranked lower than
52% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.98 vs. UNB: 30.30 )
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: 37.62
Current: 30.3
23.57
37.62
Net-margin (%) 23.59
UNB's Net-margin (%) is ranked higher than
54% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. UNB: 23.59 )
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: 27.88
Current: 23.59
19.41
27.88
ROE (%) 14.72
UNB's ROE (%) is ranked higher than
80% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. UNB: 14.72 )
Ranked among companies with meaningful ROE (%) only.
UNB' s ROE (%) Range Over the Past 10 Years
Min: 12.57  Med: 14.23 Max: 16.03
Current: 14.72
12.57
16.03
ROA (%) 1.26
UNB's ROA (%) is ranked higher than
71% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. UNB: 1.26 )
Ranked among companies with meaningful ROA (%) only.
UNB' s ROA (%) Range Over the Past 10 Years
Min: 1.04  Med: 1.24 Max: 1.65
Current: 1.26
1.04
1.65
Revenue Growth (3Y)(%) 0.70
UNB's Revenue Growth (3Y)(%) is ranked lower than
64% of the 1346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. UNB: 0.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UNB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.6  Med: 5.4 Max: 87.4
Current: 0.7
0.6
87.4
EBITDA Growth (3Y)(%) 5.70
UNB's EBITDA Growth (3Y)(%) is ranked higher than
50% of the 1235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UNB: 5.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UNB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -10  Med: 4.4 Max: 14.9
Current: 5.7
-10
14.9
EPS Growth (3Y)(%) 4.70
UNB's EPS Growth (3Y)(%) is ranked lower than
58% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UNB: 4.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UNB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.9  Med: 4.7 Max: 13.9
Current: 4.7
-5.9
13.9
GuruFocus has detected 2 Warning Signs with Union Bankshares Inc $UNB.
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» UNB's 10-Y Financials

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


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:ORRF, NAS:ACNB, NAS:FCFP, NAS:OSHC, NAS:INBK, NAS:FGBI, OTCBB:CZFS, NAS:SHBI, NAS:UNTY, NAS:SONA, OTCPK:FMAO, NAS:PVBC, OTCPK:CSHX, NAS:PMBC, NAS:CUBN, NAS:PFBI, NAS:CIVB, NAS:NRIM, NAS:ESXB, NAS:CFNB » 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
P/E(ttm) 22.61
UNB's P/E(ttm) is ranked lower than
80% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. UNB: 22.61 )
Ranked among companies with meaningful P/E(ttm) only.
UNB' s P/E(ttm) Range Over the Past 10 Years
Min: 11.91  Med: 15.2 Max: 25.49
Current: 22.61
11.91
25.49
PE(NRI) 22.61
UNB's PE(NRI) is ranked lower than
80% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. UNB: 22.61 )
Ranked among companies with meaningful PE(NRI) only.
UNB' s PE(NRI) Range Over the Past 10 Years
Min: 11.91  Med: 15.2 Max: 25.49
Current: 22.61
11.91
25.49
Price/Owner Earnings (ttm) 22.77
UNB's Price/Owner Earnings (ttm) is ranked lower than
77% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.64 vs. UNB: 22.77 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UNB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.15  Med: 15.63 Max: 623.93
Current: 22.77
7.15
623.93
P/B 3.23
UNB's P/B is ranked lower than
95% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. UNB: 3.23 )
Ranked among companies with meaningful P/B only.
UNB' s P/B Range Over the Past 10 Years
Min: 1.63  Med: 2.1 Max: 3.64
Current: 3.23
1.63
3.64
P/S 5.35
UNB's P/S is ranked lower than
80% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. UNB: 5.35 )
Ranked among companies with meaningful P/S only.
UNB' s P/S Range Over the Past 10 Years
Min: 2.69  Med: 3.52 Max: 6.03
Current: 5.35
2.69
6.03
PFCF 34.21
UNB's PFCF is ranked lower than
89% of the 823 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. UNB: 34.21 )
Ranked among companies with meaningful PFCF only.
UNB' s PFCF Range Over the Past 10 Years
Min: 4.36  Med: 14.67 Max: 3130
Current: 34.21
4.36
3130
POCF 25.69
UNB's POCF is ranked lower than
86% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. UNB: 25.69 )
Ranked among companies with meaningful POCF only.
UNB' s POCF Range Over the Past 10 Years
Min: 4.13  Med: 12.31 Max: 100
Current: 25.69
4.13
100
EV-to-EBIT 19.95
UNB's EV-to-EBIT is ranked lower than
72% of the 1216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. UNB: 19.95 )
Ranked among companies with meaningful EV-to-EBIT only.
UNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.2  Med: 11.85 Max: 22.2
Current: 19.95
8.2
22.2
EV-to-EBITDA 17.53
UNB's EV-to-EBITDA is ranked lower than
71% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.20 vs. UNB: 17.53 )
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: 19.5
Current: 17.53
7.3
19.5
PEG 2.46
UNB's PEG is ranked lower than
71% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. UNB: 2.46 )
Ranked among companies with meaningful PEG only.
UNB' s PEG Range Over the Past 10 Years
Min: 1.37  Med: 1.99 Max: 17.55
Current: 2.46
1.37
17.55
Shiller P/E 26.91
UNB's Shiller P/E is ranked lower than
67% of the 484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.92 vs. UNB: 26.91 )
Ranked among companies with meaningful Shiller P/E only.
UNB' s Shiller P/E Range Over the Past 10 Years
Min: 10.89  Med: 14.55 Max: 30.33
Current: 26.91
10.89
30.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
UNB's Dividend Yield is ranked higher than
50% of the 2358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. UNB: 2.70 )
Ranked among companies with meaningful Dividend Yield only.
UNB' s Dividend Yield Range Over the Past 10 Years
Min: 2.37  Med: 5.07 Max: 7.57
Current: 2.7
2.37
7.57
Dividend Payout 0.60
UNB's Dividend Payout is ranked lower than
84% of the 1314 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UNB: 0.60 )
Ranked among companies with meaningful Dividend Payout only.
UNB' s Dividend Payout Range Over the Past 10 Years
Min: 0.6  Med: 0.78 Max: 0.98
Current: 0.6
0.6
0.98
Dividend Growth (3y) 2.60
UNB's Dividend Growth (3y) is ranked lower than
70% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. UNB: 2.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UNB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -3.7  Med: 2.6 Max: 18.8
Current: 2.6
-3.7
18.8
Forward Dividend Yield 2.82
UNB's Forward Dividend Yield is ranked lower than
51% of the 2268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. UNB: 2.82 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.91
UNB's Yield on cost (5-Year) is ranked lower than
57% of the 2640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. UNB: 2.91 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.55  Med: 5.46 Max: 8.16
Current: 2.91
2.55
8.16

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.41
UNB's Price/Tangible Book is ranked lower than
95% of the 1600 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. UNB: 3.41 )
Ranked among companies with meaningful Price/Tangible Book only.
UNB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.45  Med: 2.23 Max: 3.41
Current: 3.41
1.45
3.41
Price/Projected FCF 1.62
UNB's Price/Projected FCF is ranked lower than
88% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. UNB: 1.62 )
Ranked among companies with meaningful Price/Projected FCF only.
UNB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.65  Med: 0.95 Max: 1.62
Current: 1.62
0.65
1.62
Price/Median PS Value 1.52
UNB's Price/Median PS Value is ranked lower than
81% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. UNB: 1.52 )
Ranked among companies with meaningful Price/Median PS Value only.
UNB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.77  Med: 1.03 Max: 1.96
Current: 1.52
0.77
1.96
Price/Peter Lynch Fair Value 2.34
UNB's Price/Peter Lynch Fair Value is ranked lower than
83% of the 402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. UNB: 2.34 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UNB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.38  Med: 1.94 Max: 3.07
Current: 2.34
1.38
3.07
Price/Graham Number 1.85
UNB's Price/Graham Number is ranked lower than
93% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. UNB: 1.85 )
Ranked among companies with meaningful Price/Graham Number only.
UNB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.67  Med: 1.22 Max: 1.95
Current: 1.85
0.67
1.95
Earnings Yield (Greenblatt) (%) 5.00
UNB's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UNB: 5.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.5  Med: 8.4 Max: 12.2
Current: 5
4.5
12.2
Forward Rate of Return (Yacktman) (%) 13.10
UNB's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. UNB: 13.10 )
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: 10.7 Max: 17.6
Current: 13.1
-0.6
17.6

More Statistics

Revenue (TTM) (Mil) $34.30
EPS (TTM) $ 1.82
Beta0.46
Short Percentage of Float4.22%
52-Week Range $26.90 - 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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