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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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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 21.94
UNB's PE Ratio is ranked lower than
78% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. UNB: 21.94 )
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: 21.94
11.91
24.29
PE Ratio without NRI 21.94
UNB's PE Ratio without NRI is ranked lower than
78% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. UNB: 21.94 )
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: 21.94
11.91
24.29
Price-to-Owner-Earnings 20.13
UNB's Price-to-Owner-Earnings is ranked lower than
68% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. UNB: 20.13 )
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: 15.66 Max: 623.93
Current: 20.13
7.15
623.93
PB Ratio 3.33
UNB's PB Ratio is ranked lower than
95% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UNB: 3.33 )
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: 3.69
Current: 3.33
1.63
3.69
PS Ratio 5.34
UNB's PS Ratio is ranked lower than
80% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. UNB: 5.34 )
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: 5.91
Current: 5.34
2.69
5.91
Price-to-Free-Cash-Flow 74.69
UNB's Price-to-Free-Cash-Flow is ranked lower than
94% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. UNB: 74.69 )
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: 14.9 Max: 3130
Current: 74.69
4.36
3130
Price-to-Operating-Cash-Flow 49.29
UNB's Price-to-Operating-Cash-Flow is ranked lower than
93% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. UNB: 49.29 )
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: 12.35 Max: 100
Current: 49.29
4.13
100
EV-to-EBIT 19.41
UNB's EV-to-EBIT is ranked lower than
71% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. UNB: 19.41 )
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: 21.2
Current: 19.41
8.2
21.2
EV-to-EBITDA 17.58
UNB's EV-to-EBITDA is ranked lower than
71% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. UNB: 17.58 )
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: 19.2
Current: 17.58
7.3
19.2
PEG Ratio 2.92
UNB's PEG Ratio is ranked lower than
73% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. UNB: 2.92 )
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: 2.92
1.37
17.55
Shiller PE Ratio 27.17
UNB's Shiller PE Ratio is ranked lower than
66% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. UNB: 27.17 )
Ranked among companies with meaningful Shiller PE Ratio only.
UNB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.82  Med: 14.58 Max: 30.13
Current: 27.17
10.82
30.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.70
UNB's Dividend Yield % is ranked higher than
50% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. UNB: 2.70 )
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: 2.7
2.39
7.57
Dividend Payout Ratio 0.60
UNB's Dividend Payout Ratio is ranked lower than
84% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UNB: 0.60 )
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: 0.6
0.58
0.98
3-Year Dividend Growth Rate 3.20
UNB's 3-Year Dividend Growth Rate is ranked lower than
68% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 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 % 2.77
UNB's Forward Dividend Yield % is ranked lower than
51% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. UNB: 2.77 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.03
UNB's 5-Year Yield-on-Cost % is ranked lower than
55% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. UNB: 3.03 )
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: 3.03
2.68
8.48

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.33
UNB's Price-to-Tangible-Book is ranked lower than
94% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. UNB: 3.33 )
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: 3.61
Current: 3.33
1.49
3.61
Price-to-Intrinsic-Value-Projected-FCF 1.62
UNB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
87% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UNB: 1.62 )
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: 1.76
Current: 1.62
0.69
1.76
Price-to-Median-PS-Value 1.52
UNB's Price-to-Median-PS-Value is ranked lower than
78% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. UNB: 1.52 )
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: 1.52
0.77
1.73
Price-to-Peter-Lynch-Fair-Value 2.68
UNB's Price-to-Peter-Lynch-Fair-Value is ranked lower than
86% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UNB: 2.68 )
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: 2.91
Current: 2.68
1.38
2.91
Price-to-Graham-Number 1.80
UNB's Price-to-Graham-Number is ranked lower than
92% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. UNB: 1.80 )
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: 1.95
Current: 1.8
0.85
1.95
Earnings Yield (Greenblatt) % 5.20
UNB's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UNB: 5.20 )
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: 5.2
4.7
12.2
Forward Rate of Return (Yacktman) % 11.69
UNB's Forward Rate of Return (Yacktman) % is ranked higher than
53% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. UNB: 11.69 )
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: 11.4 Max: 17.6
Current: 11.69
-0.6
17.6

More Statistics

Revenue (TTM) (Mil) $34.92
EPS (TTM) $ 1.91
Beta0.39
Short Percentage of Float4.06%
52-Week Range $27.86 - 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
Why Seattle City Council just voted to pull $3 billion from Wells Fargo Feb 08 2017
Union Bankshares posts 4Q profit Jan 24 2017
Union Bankshares posts 4Q profit Jan 24 2017
Union Bankshares Announces Fourth Quarter Ended December 31, 2016 Earnings and Quarterly Dividend... Jan 18 2017
Union Bankshares Corp (UBSH): Are Hedge Funds Right About This Stock? Dec 08 2016
Union Bankshares, Inc. (Vermont): Leads amongst peers with strong fundamentals Dec 06 2016
UNION BANKSHARES INC Financials Nov 17 2016
UNION BANKSHARES INC Files SEC form 10-Q, Quarterly Report Nov 09 2016
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 08 2016
Union Bankshares, Inc. (Vermont) : UNB-US: Dividend Analysis : October 29th, 2016 (record date) : By... Oct 27 2016
Union Bankshares Reports Third Quarter Results Oct 20 2016
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 19 2016
Union Bankshares, Inc. (Vermont) : UNB-US: Dividend Analysis : July 30th, 2016 (record date) : By... Oct 12 2016
Union Bankshares Corporation Names John C. Asbury President; To Succeed G. William Beale as CEO in... Aug 24 2016
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 09 2016
UNION BANKSHARES INC Files SEC form 10-Q, Quarterly Report Aug 09 2016
Union Bankshares Corporation to Present at Keefe, Bruyette & Woods 2016 Community Bank Investor... Jul 26 2016
Union Bankshares Reports Second Quarter Results and Declares Quarterly Dividend Jul 22 2016
UNION BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 20 2016
ETF’s with exposure to Union Bankshares, Inc. (Vermont) : June 30, 2016 Jun 30 2016

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