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Union Bankshares (Union Bankshares) Cyclically Adjusted Price-to-FCF : 10.69 (As of Apr. 30, 2024)


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What is Union Bankshares Cyclically Adjusted Price-to-FCF?

As of today (2024-04-30), Union Bankshares's current share price is $26.20. Union Bankshares's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $2.45. Union Bankshares's Cyclically Adjusted Price-to-FCF for today is 10.69.

The historical rank and industry rank for Union Bankshares's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

UNB' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 7.63   Med: 18.01   Max: 35.42
Current: 11.49

During the past years, Union Bankshares's highest Cyclically Adjusted Price-to-FCF was 35.42. The lowest was 7.63. And the median was 18.01.

UNB's Cyclically Adjusted Price-to-FCF is ranked worse than
75.57% of 839 companies
in the Banks industry
Industry Median: 7.42 vs UNB: 11.49

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Union Bankshares's adjusted free cash flow per share data for the three months ended in Dec. 2023 was $0.485. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $2.45 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Union Bankshares Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Union Bankshares's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Union Bankshares Cyclically Adjusted Price-to-FCF Chart

Union Bankshares Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 19.22 17.75 15.23 8.95 12.53

Union Bankshares Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.95 8.19 9.22 8.65 12.53

Competitive Comparison of Union Bankshares's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Union Bankshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Union Bankshares's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Union Bankshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Union Bankshares's Cyclically Adjusted Price-to-FCF falls into.



Union Bankshares Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Union Bankshares's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=26.20/2.45
=10.69

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Union Bankshares's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 is calculated as:

For example, Union Bankshares's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.485/129.4194*129.4194
=0.485

Current CPI (Dec. 2023) = 129.4194.

Union Bankshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.510 99.695 0.662
201406 -0.334 100.560 -0.430
201409 0.559 100.428 0.720
201412 -0.727 99.070 -0.950
201503 0.675 99.621 0.877
201506 0.919 100.684 1.181
201509 0.195 100.392 0.251
201512 0.642 99.792 0.833
201603 0.229 100.470 0.295
201606 0.268 101.688 0.341
201609 0.064 101.861 0.081
201612 0.718 101.863 0.912
201703 1.746 102.862 2.197
201706 0.074 103.349 0.093
201709 0.409 104.136 0.508
201712 -0.462 104.011 -0.575
201803 1.962 105.290 2.412
201806 -0.750 106.317 -0.913
201809 0.459 106.507 0.558
201812 1.394 105.998 1.702
201903 -0.112 107.251 -0.135
201906 -0.390 108.070 -0.467
201909 -0.546 108.329 -0.652
201912 2.215 108.420 2.644
202003 -1.564 108.902 -1.859
202006 -4.554 108.767 -5.419
202009 3.302 109.815 3.891
202012 1.012 109.897 1.192
202103 -1.133 111.754 -1.312
202106 -0.038 114.631 -0.043
202109 6.495 115.734 7.263
202112 0.360 117.630 0.396
202203 3.240 121.301 3.457
202206 0.322 125.017 0.333
202209 1.369 125.227 1.415
202212 1.355 125.222 1.400
202303 0.417 127.348 0.424
202306 0.762 128.729 0.766
202309 -0.066 129.860 -0.066
202312 0.485 129.419 0.485

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Union Bankshares  (NAS:UNB) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Union Bankshares Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Union Bankshares's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Union Bankshares (Union Bankshares) Business Description

Industry
Traded in Other Exchanges
N/A
Address
20 Lower Main Street, P.O. Box 667, Morrisville, VT, USA, 05661-0667
Union Bankshares Inc operates as a community bank in the financial services industry. It 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 and commercial banking services to small and medium-sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts within its market area. In addition, it also offers fiduciary and asset management services through its Asset Management Group. Geographically, all the business activity is functioned through the US.
Executives
Patricia N Hogan other: Officer of Union Bank 11 OLD ROUTE 15, CAMBRIDGE VT 05444
Dawn D Bugbee director 313 WEST SHORE ROAD, SOUTH HERO VT 05486
David Scott Silverman director, officer: President & CEO 153 LAZY LANE, MORRISVILLE VT 05661
Mary K Parent director 144 PLEASANT STREET, SAINT JOHNSBURY VT 05819
Nancy C Putnam director 413 JEFF HEIGHTS ROAD, JEFFERSONVILLE VT 05464
Van Dyke Cornelius John director P.O. BOX 1090, STOWE VT 05672-1090
Vincent W Schoenig other: Officer of Union Bank 75 FENIMORE STREET 2, MORRISVILLE VT 05661
Janet P Spitler other: Director of Union Bank 275 KENNEDY DRIVE, SOUTH BURLINGTON VT 05403
Gregory D Sargent director 15 CEDAR HILL DRIVE, ST. ALBANS VT 05478
Stephen H Kendall other: Officer of Union Bank 254 BIRCH ROAD, SHELBURNE VT 05482
Jonathan Jay Gould other: Officer of Union Bank 18 HUNT ROAD, BRISTOL NH 03222
Robert D Hofmann other: Officer of Union Bank 223 SNOW HILL ROAD, WATERBURY CENTER VT 05677
Carrie R Locklin other: Officer of Union Bank 388 WEST HILL ROAD, ST. JOHNSBURY VT 05819
Lura L Jacques other: Officer of Union Bank 1360 PIDGEON HILL ROAD, FRANKLIN VT 05457
Joel S Bourassa director PO BOX 568, NORTH WOODSTOCK NH 032620568

Union Bankshares (Union Bankshares) Headlines

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