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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 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 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 1660 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 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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: 5
M-Score: -2.78
WACC vs ROIC
4.42%
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
51% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 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
55% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 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
81% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 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
73% of the 1683 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
62% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 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 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 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)(%) 4.80
UNB's EPS Growth (3Y)(%) is ranked lower than
58% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UNB: 4.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UNB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -6  Med: 4.8 Max: 13.8
Current: 4.8
-6
13.8
» UNB's 10-Y Financials

Financials


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
Compare:NAS:FCFP, NAS:FFNW, OTCPK:JMSB, OTCPK:CSHX, NAS:ORRF, NAS:FBIZ, NAS:SONA, NAS:ACNB, NAS:FRBK, NAS:OSHC, NAS:PFBI, NAS:NRIM, NAS:SHBI, OTCPK:EXSR, NAS:CVLY, NAS:PVBC, NAS:SFST, NAS:CVCY, OTCBB:CZFS, NAS:CUBN » 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) 24.77
UNB's P/E(ttm) is ranked lower than
83% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. UNB: 24.77 )
Ranked among companies with meaningful P/E(ttm) only.
UNB' s P/E(ttm) Range Over the Past 10 Years
Min: 11.91  Med: 15.21 Max: 25.07
Current: 24.77
11.91
25.07
PE(NRI) 24.90
UNB's PE(NRI) is ranked lower than
83% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. UNB: 24.90 )
Ranked among companies with meaningful PE(NRI) only.
UNB' s PE(NRI) Range Over the Past 10 Years
Min: 11.98  Med: 15.22 Max: 25.2
Current: 24.9
11.98
25.2
Price/Owner Earnings (ttm) 24.87
UNB's Price/Owner Earnings (ttm) is ranked lower than
80% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. UNB: 24.87 )
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: 15.4 Max: 623.93
Current: 24.87
7.15
623.93
P/B 3.53
UNB's P/B is ranked lower than
95% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. UNB: 3.53 )
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: 3.58
Current: 3.53
1.63
3.58
P/S 5.86
UNB's P/S is ranked lower than
83% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. UNB: 5.86 )
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: 5.93
Current: 5.86
2.69
5.93
PFCF 37.44
UNB's PFCF is ranked lower than
91% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. UNB: 37.44 )
Ranked among companies with meaningful PFCF only.
UNB' s PFCF Range Over the Past 10 Years
Min: 4.36  Med: 14.56 Max: 3130
Current: 37.44
4.36
3130
POCF 28.10
UNB's POCF is ranked lower than
89% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. UNB: 28.10 )
Ranked among companies with meaningful POCF only.
UNB' s POCF Range Over the Past 10 Years
Min: 4.13  Med: 12.1 Max: 100
Current: 28.1
4.13
100
EV-to-EBIT 21.59
UNB's EV-to-EBIT is ranked lower than
74% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. UNB: 21.59 )
Ranked among companies with meaningful EV-to-EBIT only.
UNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.2  Med: 11.8 Max: 21.83
Current: 21.59
8.2
21.83
EV-to-EBITDA 19.00
UNB's EV-to-EBITDA is ranked lower than
74% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. UNB: 19.00 )
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: 19.21
Current: 19
7.3
19.21
PEG 2.68
UNB's PEG is ranked lower than
74% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. UNB: 2.68 )
Ranked among companies with meaningful PEG only.
UNB' s PEG Range Over the Past 10 Years
Min: 1.37  Med: 2 Max: 17.69
Current: 2.68
1.37
17.69
Shiller P/E 29.38
UNB's Shiller P/E is ranked lower than
72% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. UNB: 29.38 )
Ranked among companies with meaningful Shiller P/E only.
UNB' s Shiller P/E Range Over the Past 10 Years
Min: 10.82  Med: 14.55 Max: 29.74
Current: 29.38
10.82
29.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.47
UNB's Dividend Yield is ranked lower than
54% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. UNB: 2.47 )
Ranked among companies with meaningful Dividend Yield only.
UNB' s Dividend Yield Range Over the Past 10 Years
Min: 2.43  Med: 5.07 Max: 7.57
Current: 2.47
2.43
7.57
Dividend Payout 0.61
UNB's Dividend Payout is ranked lower than
85% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UNB: 0.61 )
Ranked among companies with meaningful Dividend Payout only.
UNB' s Dividend Payout Range Over the Past 10 Years
Min: 0.51  Med: 0.72 Max: 1.09
Current: 0.61
0.51
1.09
Dividend Growth (3y) 2.60
UNB's Dividend Growth (3y) is ranked lower than
70% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 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 2.51
UNB's Forward Dividend Yield is ranked lower than
58% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. UNB: 2.51 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.66
UNB's Yield on cost (5-Year) is ranked lower than
62% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. UNB: 2.66 )
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: 2.62  Med: 5.46 Max: 8.16
Current: 2.66
2.62
8.16

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.74
UNB's Price/Tangible Book is ranked lower than
95% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UNB: 3.74 )
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: 3.78
Current: 3.74
1.45
3.78
Price/Projected FCF 1.76
UNB's Price/Projected FCF is ranked lower than
91% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. UNB: 1.76 )
Ranked among companies with meaningful Price/Projected FCF only.
UNB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.65  Med: 0.96 Max: 1.78
Current: 1.76
0.65
1.78
Price/Median PS Value 1.66
UNB's Price/Median PS Value is ranked lower than
86% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UNB: 1.66 )
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: 1.66
0.77
1.96
Price/Peter Lynch Fair Value 2.58
UNB's Price/Peter Lynch Fair Value is ranked lower than
87% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UNB: 2.58 )
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: 2.58
1.38
3.07
Price/Graham Number 2.03
UNB's Price/Graham Number is ranked lower than
94% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. UNB: 2.03 )
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: 2.06
Current: 2.03
0.67
2.06
Earnings Yield (Greenblatt) (%) 4.68
UNB's Earnings Yield (Greenblatt) (%) is ranked lower than
56% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UNB: 4.68 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.62  Med: 8.5 Max: 12.2
Current: 4.68
4.62
12.2
Forward Rate of Return (Yacktman) (%) 12.84
UNB's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. UNB: 12.84 )
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: 11.1 Max: 17.6
Current: 12.84
-0.6
17.6

More Statistics

Revenue (TTM) (Mil) $34.30
EPS (TTM) $ 1.82
Beta0.20
Short Percentage of Float4.17%
52-Week Range $26.50 - 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 

More From Other Websites
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Union Bankshares posts 3Q profit Oct 19 2016
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 19 2016
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