Switch to:

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 0.86
UNB's Cash to Debt is ranked higher than
71% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UNB: 0.86 )
UNB' s 10-Year Cash to Debt Range
Min: 0.53   Max: No Debt
Current: 0.86

Equity to Asset 0.09
UNB's Equity to Asset is ranked higher than
64% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UNB: 0.09 )
UNB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.09

0.07
0.12
F-Score: 4
Z-Score: 0.31
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
Revenue Growth (%) 7.70
UNB's Revenue Growth (%) is ranked higher than
87% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UNB: 7.70 )
UNB' s 10-Year Revenue Growth (%) Range
Min: 0.6   Max: 87.1
Current: 7.7

0.6
87.1
EBITDA Growth (%) 8.30
UNB's EBITDA Growth (%) is ranked higher than
74% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UNB: 8.30 )
UNB' s 10-Year EBITDA Growth (%) Range
Min: -10   Max: 9.2
Current: 8.3

-10
9.2
EPS Growth (%) 8.60
UNB's EPS Growth (%) is ranked higher than
72% of the 1105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. UNB: 8.60 )
UNB' s 10-Year EPS Growth (%) Range
Min: -5.9   Max: 9.6
Current: 8.6

-5.9
9.6
» UNB's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with UNB



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.80
UNB's P/E(ttm) is ranked higher than
62% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. UNB: 14.80 )
UNB' s 10-Year P/E(ttm) Range
Min: 11.96   Max: 24.79
Current: 14.8

11.96
24.79
P/B 2.13
UNB's P/B is ranked lower than
64% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UNB: 2.13 )
UNB' s 10-Year P/B Range
Min: 1.63   Max: 4.9
Current: 2.13

1.63
4.9
P/S 3.48
UNB's P/S is ranked lower than
55% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. UNB: 3.48 )
UNB' s 10-Year P/S Range
Min: 2.69   Max: 6.71
Current: 3.48

2.69
6.71
PFCF 6.42
UNB's PFCF is ranked higher than
66% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UNB: 6.42 )
UNB' s 10-Year PFCF Range
Min: 4.37   Max: 125
Current: 6.42

4.37
125
EV-to-EBIT 13.48
UNB's EV-to-EBIT is ranked higher than
73% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. UNB: 13.48 )
UNB' s 10-Year EV-to-EBIT Range
Min: 8.2   Max: 16.2
Current: 13.48

8.2
16.2
PEG 1.75
UNB's PEG is ranked higher than
55% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. UNB: 1.75 )
UNB' s 10-Year PEG Range
Min: 1.4   Max: 44.9
Current: 1.75

1.4
44.9
Shiller P/E 17.34
UNB's Shiller P/E is ranked higher than
64% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.04 vs. UNB: 17.34 )
UNB' s 10-Year Shiller P/E Range
Min: 10.59   Max: 18.9
Current: 17.34

10.59
18.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.33
UNB's Dividend Yield is ranked higher than
82% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. UNB: 4.33 )
UNB' s 10-Year Dividend Yield Range
Min: 2.76   Max: 7.57
Current: 4.33

2.76
7.57
Dividend Payout 0.63
UNB's Dividend Payout is ranked lower than
107% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UNB: 0.63 )
UNB' s 10-Year Dividend Payout Range
Min: 0.51   Max: 1.09
Current: 0.63

0.51
1.09
Dividend growth (3y) 0.30
UNB's Dividend growth (3y) is ranked higher than
69% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. UNB: 0.30 )
UNB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 68
Current: 0.3

0
68
Yield on cost (5-Year) 4.21
UNB's Yield on cost (5-Year) is ranked higher than
66% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. UNB: 4.21 )
UNB' s 10-Year Yield on cost (5-Year) Range
Min: 2.71   Max: 7.42
Current: 4.21

2.71
7.42

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.29
UNB's Price/Tangible Book is ranked lower than
89% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. UNB: 2.29 )
UNB' s 10-Year Price/Tangible Book Range
Min: 1.45   Max: 5.04
Current: 2.29

1.45
5.04
Price/DCF (Projected) 0.86
UNB's Price/DCF (Projected) is ranked lower than
134% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. UNB: 0.86 )
UNB' s 10-Year Price/DCF (Projected) Range
Min: 0.59   Max: 1.35
Current: 0.86

0.59
1.35
Price/Median PS Value 0.91
UNB's Price/Median PS Value is ranked lower than
82% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UNB: 0.91 )
UNB' s 10-Year Price/Median PS Value Range
Min: 0.71   Max: 1.8
Current: 0.91

0.71
1.8
Price/Peter Lynch Fair Value 1.67
UNB's Price/Peter Lynch Fair Value is ranked lower than
273% of the 444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. UNB: 1.67 )
UNB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.42   Max: 3.07
Current: 1.67

1.42
3.07
Price/Graham Number 1.23
UNB's Price/Graham Number is ranked lower than
91% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UNB: 1.23 )
UNB' s 10-Year Price/Graham Number Range
Min: 0.83   Max: 2.93
Current: 1.23

0.83
2.93
Earnings Yield (Greenblatt) 7.40
UNB's Earnings Yield (Greenblatt) is ranked higher than
76% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. UNB: 7.40 )
UNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.2   Max: 12.2
Current: 7.4

6.2
12.2
Forward Rate of Return (Yacktman) 12.66
UNB's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. UNB: 12.66 )
UNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.6   Max: 16.5
Current: 12.66

-0.6
16.5

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 (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's lending activities are targeted at increasing residential mortgage and construction loan originations, and expanding commercial and municipal lending, including the commercial real estate market. 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 primarily 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 primarily 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.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide