Financials Union Bankshares, Inc.

Equities

UNB

US9054001071

Banks

Market Closed - Nasdaq 04:00:00 2024-04-26 pm EDT 5-day change 1st Jan Change
28.11 USD +0.04% Intraday chart for Union Bankshares, Inc. +1.85% -8.29%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 213.2 162 115.1 133.8 108 138.1
Enterprise Value (EV) 1 195.5 155.2 -11.46 72.54 122.2 130.3
P/E ratio 30.2 x 15.2 x 9.02 x 10.2 x 8.61 x 12.4 x
Yield 2.51% 3.42% 4.98% 4.43% 5.83% 4.7%
Capitalization / Revenue 5.71 x 4.07 x 2.53 x 2.75 x 2.23 x 2.86 x
EV / Revenue 5.23 x 3.9 x -0.25 x 1.49 x 2.52 x 2.7 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 3.31 x 2.26 x 1.42 x 1.59 x 1.96 x 2.1 x
Nbr of stocks (in thousands) 4,466 4,469 4,475 4,485 4,498 4,507
Reference price 2 47.75 36.26 25.71 29.83 24.01 30.65
Announcement Date 3/15/19 3/13/20 3/19/21 3/24/22 3/24/23 3/26/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 37.37 39.8 45.41 48.63 48.41 48.25
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 8.259 12.48 15.22 15.82 15.25 12.88
Net income 1 7.072 10.65 12.8 13.17 12.62 11.26
Net margin 18.92% 26.75% 28.2% 27.08% 26.06% 23.33%
EPS 2 1.584 2.383 2.850 2.920 2.790 2.480
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 1.200 1.240 1.280 1.320 1.400 1.440
Announcement Date 3/15/19 3/13/20 3/19/21 3/24/22 3/24/23 3/26/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - 14.1 -
Net Cash position 1 17.8 6.84 127 61.3 - 7.82
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 11.5% 15.6% 16.8% 15.9% 18.1% 18.6%
ROA (Net income/ Total Assets) 0.91% 1.27% 1.3% 1.15% 0.99% 0.8%
Assets 1 775.6 839.2 983.3 1,150 1,271 1,403
Book Value Per Share 2 14.40 16.10 18.10 18.80 12.20 14.60
Cash Flow per Share 2 8.120 11.00 27.40 14.70 8.400 17.20
Capex 1 3.07 6.42 1.01 3.51 0.67 1.95
Capex / Sales 8.22% 16.12% 2.22% 7.22% 1.37% 4.03%
Announcement Date 3/15/19 3/13/20 3/19/21 3/24/22 3/24/23 3/26/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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