UNB - Union Bankshares Inc-Morrisville VT Stock Price, Fair Value and News

24.22USD-1.29 (-5.06%)Delayed

Market Summary

USD24.22-1.29

Delayed

-5.06%

UNB Stock Price

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UNB RSI Chart

UNB Valuation

Market Cap

109.5M

Price/Earnings (Trailing)

10.23

Price/Sales (Trailing)

1.83

EV/EBITDA

1.82

Price/Free Cashflow

16.01

UNB Price/Sales (Trailing)

UNB Profitability

EBT Margin

27.69%

Return on Equity

16.76%

Return on Assets

0.75%

Free Cashflow Yield

6.25%

UNB Fundamentals

UNB Revenue

Revenue (TTM)

59.7M

Rev. Growth (Yr)

19.76%

Rev. Growth (Qtr)

1.33%

UNB Earnings

Earnings (TTM)

10.7M

Earnings Growth (Yr)

-18.81%

Earnings Growth (Qtr)

-20.73%

Breaking Down UNB Revenue

Last 7 days

-4.1%

Last 30 days

-10.3%

Last 90 days

-21.9%

Trailing 12 Months

17.1%

How does UNB drawdown profile look like?

UNB Financial Health

Debt/Equity

0.11

Debt/Cashflow

1.25

UNB Investor Care

Dividend Yield

5.95%

Dividend/Share (TTM)

1.44

Shares Dilution (1Y)

0.27%

Diluted EPS (TTM)

2.35

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	59.7M	0	0	0
2023	47.3M	50.7M	54.0M	57.1M
2022	39.5M	40.0M	41.6M	43.9M
2021	37.3M	38.0M	38.6M	39.3M
2020	36.2M	36.5M	36.7M	36.8M
2019	33.2M	34.2M	35.2M	35.9M
2018	29.7M	30.6M	31.3M	32.2M
2017	27.2M	27.6M	28.3M	29.0M
2016	25.5M	25.9M	26.3M	26.8M
2015	24.9M	24.9M	25.1M	25.1M
2014	24.7M	24.8M	24.8M	24.9M
2013	24.8M	24.7M	24.5M	24.5M
2012	24.4M	24.8M	25.1M	25.0M
2011	23.1M	23.3M	23.5M	23.7M
2010	0	0	0	22.9M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Union Bankshares Inc-Morrisville VT

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 29, 2024	gould jonathan jay	acquired	-	-	2,226	-
Feb 29, 2024	hale karyn j	acquired	-	-	2,252	chief financial officer
Feb 29, 2024	schoenig vincent w	acquired	-	-	1,862	-
Feb 29, 2024	hogan patricia n	acquired	-	-	1,862	-
Feb 29, 2024	jacques lura l	acquired	-	-	490	-
Feb 29, 2024	silverman david scott	acquired	-	-	4,980	president & ceo
Feb 29, 2024	kendall stephen h	acquired	-	-	1,862	-
Feb 29, 2024	locklin carrie r	acquired	-	-	693	-
Feb 22, 2024	parent mary k	bought	3,114	31.145	100	-
Feb 01, 2024	kendall stephen h	acquired	1,581	30.44	51.9495	-

Which funds bought or sold UNB recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	STATE STREET CORP	unchanged	-	-1,483	301,676	-%
May 15, 2024	Royal Bank of Canada	reduced	-56.14	-1,000	1,000	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	unchanged	-	-2,459	499,895	0.01%
May 15, 2024	Tower Research Capital LLC (TRC)	added	527	18,496	22,021	-%
May 15, 2024	Cetera Advisor Networks LLC	sold off	-100	-225,799	-	-%
May 15, 2024	BARCLAYS PLC	sold off	-100	-7,000	-	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-27.91	-48,977	124,318	-%
May 15, 2024	MORGAN STANLEY	added	23.34	60,430	326,216	-%
May 14, 2024	NORTHERN TRUST CORP	reduced	-2.34	-23,920	825,392	-%
May 14, 2024	STIFEL FINANCIAL CORP	sold off	-100	-240,786	-	-%

Are Funds Buying or Selling UNB?

Are funds buying UNB calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own UNB

No. of Funds

Recent SEC filings of Union Bankshares Inc-Morrisville VT

View All Filings

Date Filed	Form Type	Document
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	8-K	Current Report
May 14, 2024	10-Q	Quarterly Report

Peers (Alternatives to Union Bankshares Inc-Morrisville VT)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	581.4B	174.7B	11.99%	46.24%	11.55	3.33	53.11%	19.83%
BAC	306.7B	137.9B	13.09%	37.28%	12.25	2.22	56.12%	-12.56%
WFC	212.8B	85.8B	8.19%	50.84%	11.34	2.48	35.02%	26.14%
C	122.4B	125.0B	12.50%	36.26%	15.31	0.98	37.85%	-
CFG	16.6B	10.4B	12.65%	38.40%	11.61	1.6	26.22%	-33.87%
KEY	14.4B	8.1B	7.74%	50.49%	16.53	1.78	32.15%	-50.93%
MID-CAP
CMA	7.2B	4.2B	8.99%	43.16%	10.4	1.7	34.68%	-45.96%
ZION	6.6B	4.1B	13.27%	70.96%	10.5	1.62	32.93%	-30.73%
ABCB	3.5B	1.3B	12.98%	57.40%	12.27	2.64	30.60%	-12.99%
ASB	3.3B	2.0B	11.41%	42.76%	20.79	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	415.3M	173.1M	13.52%	27.11%	14.24	2.4	26.54%	-34.86%
ALRS	390.4M	152.4M	-1.25%	34.56%	39.27	2.56	16.94%	-73.84%
ACNB	289.6M	98.7M	3.86%	15.94%	9.84	2.93	6.27%	-22.90%
ASRV	47.2M	62.5M	11.11%	-5.26%	-15.95	0.75	18.83%	-145.18%

Union Bankshares Inc-Morrisville VT News

Latest updates

Union Bankshares Inc-Morrisville VT Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	1.3%	16.00	15.00	15.00	14.00	13.00	12.00	11.00	10.00	10.00	10.00	10.00	10.00	10.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00
EBITDA Margin	-6.0%	0.92*	0.98*	1.06*	1.16*	1.24*	1.31*	1.36*	1.38*	1.38*	1.38*	1.37*	1.37*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.0%	9.00	9.00	9.00	10.00	10.00	10.00	10.00	10.00	9.00	9.00	9.00	9.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	7.00
Income Taxes	-61.6%	0.00	0.00	0.00	0.00	0.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00
Earnings Before Taxes	-	-	-	-	-	-	-	-	-	-	-	-	4.00	3.00	5.00	5.00	3.00	3.00	3.00	3.00	3.00	3.00
EBT Margin	-4.3%	0.28*	0.29*	0.31*	0.33*	0.35*	0.38*	0.40*	0.41*	0.42*	0.42*	0.43*	0.43*	-	-	-	-	-	-	-	-	-
Net Income	-20.7%	2.00	3.00	3.00	3.00	3.00	3.00	4.00	3.00	2.00	3.00	4.00	3.00	3.00	4.00	4.00	3.00	2.00	3.00	3.00	3.00	3.00
Net Income Margin	-9.1%	0.18*	0.20*	0.22*	0.25*	0.28*	0.29*	0.30*	0.32*	0.32*	0.34*	0.35*	0.36*	-	-	-	-	-	-	-	-	-
Free Cashflow	-33.0%	1.00	2.00	-0.30	3.00	2.00	6.00	6.00	1.00	15.00	2.00	29.00	-0.17	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-3.5%	1,418	1,469	1,396	1,335	1,362	1,336	1,300	1,192	1,234	1,205	1,158	1,066	1,104	1,094	1,009	917	883	873	845	774	813
Cash Equivalents	-70.8%	23.00	78.00	21.00	36.00	22.00	38.00	32.00	25.00	51.00	66.00	120	61.00	57.00	123	64.00	37.00	42.00	51.00	30.00	-	-
Net PPE	-0.2%	21.00	21.00	20.00	20.00	20.00	20.00	21.00	21.00	21.00	22.00	22.00	22.00	20.00	20.00	20.00	20.00	21.00	21.00	23.00	21.00	19.00
Goodwill	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.00	2.00	2.00	2.00	2.00	-	-	-
Liabilities	-3.5%	1,354	1,403	1,346	1,276	1,301	1,281	1,251	1,132	1,164	1,121	1,075	984	1,024	1,013	931	841	809	801	774	705	747
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	7.00	7.00	7.00	9.00	9.00	62.00	47.00	47.00	42.00	38.00
Shareholder's Equity	-3.0%	64.00	66.00	49.00	59.00	61.00	55.00	50.00	60.00	69.00	84.00	84.00	82.00	80.00	81.00	78.00	76.00	74.00	72.00	71.00	69.00	67.00
Retained Earnings	0.9%	90.00	89.00	88.00	87.00	86.00	85.00	83.00	81.00	79.00	78.00	76.00	74.00	72.00	71.00	69.00	66.00	65.00	64.00	63.00	61.00	60.00
Additional Paid-In Capital	6.0%	3.00	3.00	3.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Shares Outstanding	0.2%	5.00	5.00	5.00	5.00	5.00	4.00	4.00	4.00	4.00	-	4.00	4.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	93.00	-	-	-	105	-	-	-	143	-	-	-	74.00	-	-	-	145	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-38.7%	1,861	3,035	411	3,661	2,084	6,310	6,375	1,578	14,768	1,892	29,916	2,158	-4,776	4,620	15,372	-20,137	-6,917	10,252	-767	1,113	1,046
Share Based Compensation	461.5%	146	26.00	130	105	113	87.00	123	133	103	25.00	91.00	91.00	92.00	27.00	58.00	75.00	76.00	21.00	54.00	47.00	43.00
Cashflow From Investing	-85.7%	-6,298	-3,392	-81,975	38,777	-35,662	-29,508	-116,329	5,669	-67,415	-102,042	-58,581	44,236	-73,621	-26,795	-76,686	-14,292	-8,136	-14,943	-62,378	42,337	-13,945
Cashflow From Financing	-189.2%	-50,570	56,693	67,091	-28,454	17,512	28,942	116,799	-32,753	37,527	45,991	87,515	-41,669	12,132	80,469	89,163	29,345	5,631	25,925	67,356	-44,353	2,202
Dividend Payments	0.3%	1,627	1,622	1,623	1,623	1,623	1,576	1,574	1,573	1,573	1,480	1,479	1,479	1,479	1,432	1,432	1,431	1,432	1,373	1,378	1,377	1,373
Buy Backs	-100.0%	-	15.00	55.00	-	60.00	-	-	4.00	75.00	-	-	-	2.00	-	-	-	-	-	-	-	13.00

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UNB Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income
Interest and fees on loans	$ 13,372	$ 11,205
Interest on debt securities:
Taxable	1,093	1,174
Tax exempt	518	413
Dividends	80	41
Interest on federal funds sold and overnight deposits	443	104
Interest on interest bearing deposits in banks	115	107
Total interest and dividend income	15,621	13,044
Interest expense
Interest on deposits	5,239	2,443
Interest on borrowed funds	1,231	484
Interest on subordinated notes	143	142
Total interest expense	6,613	3,069
Net interest income	9,008	9,975
Credit loss (benefit) expense, net	(230)	74
Net interest income after credit loss (benefit) expense	9,238	9,901
Noninterest income
Wealth management income	255	211
Service fees	1,662	1,694
Net gains on sales of loans held for sale	287	194
Net gains on other investments	95	46
Other income	268	140
Total noninterest income	2,567	2,285
Noninterest expenses
Salaries and wages	3,553	3,502
Employee benefits	1,489	1,377
Occupancy expense, net	569	578
Equipment expense	943	897
Other expenses	2,669	2,396
Total noninterest expenses	9,223	8,750
Income before provision for income taxes	2,582	3,436
Provision for income taxes	165	459
Net income	$ 2,417	$ 2,977
Basic earnings per common share (in usd per share)	$ 0.53	$ 0.66
Diluted earnings per common share (in usd per share)	$ 0.53	$ 0.66
Weighted average number of common shares outstanding (in shares)	4,519,209	4,509,099
Weighted average common and potential common shares for diluted EPS (in shares)	4,537,181	4,537,627
Dividends per common share (in usd per share)	$ 0.36	$ 0.36

UNB Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 4,123	$ 4,429
Federal funds sold and overnight deposits	18,536	73,237
Cash and cash equivalents	22,659	77,666
Interest bearing deposits in banks	14,441	14,690
Investment securities available-for-sale	257,650	264,383
Other investments	1,631	1,500
Total investments	259,281	265,883
Loans held for sale	3,415	3,070
Loans	1,034,169	1,028,270
Allowance for credit losses on loans	(6,645)	(6,566)
Net deferred loan costs	1,807	1,752
Net loans	1,029,331	1,023,456
Premises and equipment, net	20,738	20,771
Other assets	67,732	63,343
Total assets	1,417,597	1,468,879
Deposits
Noninterest bearing	222,128	250,992
Interest bearing	649,898	765,689
Time	299,618	288,922
Total deposits	1,171,644	1,305,603
Borrowed funds	150,696	65,696
Subordinated notes	16,247	16,239
Accrued interest and other liabilities	15,190	15,534
Total liabilities	1,353,777	1,403,072
Commitments and Contingencies
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 4,995,348 shares issued at March 31, 2024 and December 31, 2023	9,991	9,991
Additional paid-in capital	2,778	2,621
Retained earnings	90,262	89,472
Treasury stock at cost; 475,960 shares at March 31, 2024 and 476,500 shares at December 31, 2023	(4,317)	(4,322)
Accumulated other comprehensive loss	(34,894)	(31,955)
Total stockholders' equity	63,820	65,807
Total liabilities and stockholders' equity	$ 1,417,597	$ 1,468,879

About Union Bankshares Inc-Morrisville VT

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; home improvement loans and overdraft; and residential construction and mortgage loans. In addition, it offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; telephone, Internet, and mobile banking services; and asset management, fiduciary, and trust services. The company offers 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. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.

CEO	Mr. David Scott Silverman
WEBSITE	ublocal.com
INDUSTRY	Banks Diversified
EMPLOYEES	188

Union Bankshares Inc-Morrisville VT Frequently Asked Questions

What is the ticker symbol for Union Bankshares Inc-Morrisville VT? What does UNB stand for in stocks?

UNB is the stock ticker symbol of Union Bankshares Inc-Morrisville VT. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Union Bankshares Inc-Morrisville VT (UNB)?

As of Thu May 16 2024, market cap of Union Bankshares Inc-Morrisville VT is 109.46 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UNB stock?

You can check UNB's fair value in chart for subscribers.

What is the fair value of UNB stock?

You can check UNB's fair value in chart for subscribers. The fair value of Union Bankshares Inc-Morrisville VT is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Union Bankshares Inc-Morrisville VT is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UNB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Union Bankshares Inc-Morrisville VT a good stock to buy?

The fair value guage provides a quick view whether UNB is over valued or under valued. Whether Union Bankshares Inc-Morrisville VT is cheap or expensive depends on the assumptions which impact Union Bankshares Inc-Morrisville VT's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UNB.

What is Union Bankshares Inc-Morrisville VT's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 16 2024, UNB's PE ratio (Price to Earnings) is 10.23 and Price to Sales (PS) ratio is 1.83. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UNB PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Union Bankshares Inc-Morrisville VT's stock?

In the past 10 years, Union Bankshares Inc-Morrisville VT has provided 0.035 (multiply by 100 for percentage) rate of return.