Union Bankshares Inc

Finance
Major Banks
www.ublocal.com

Earnings Score

Market Cap $139.86M
PE 16
Debt -
Cash $47.26M
EV -
FCF $7.66M

Earnings

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Sales & Net Margins

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Earnings	$8.81M
ROE	12%
FCF	$7.66M
Equity	$72.30M
Growth Stability	85%
PE	15.88
PEG	-8.35
PB	1.93
P/FCF	18.25
Price/Cash	0.34
Earnings CAGR	6%
FCF CAGR	7%
Equity CAGR	2%
Earnings Stability	0.43
Earnings Growth YoY	-48%
Earnings Growth QoQ	-34%

Earnings CAGR 5Y	-2%
FCF CAGR 5Y	-15%
Equity CAGR 5Y	-6%
FCF CAGR 3Y	-52%
Equity CAGR 3Y	-1%
Market Cap	$139.86M
Dividend Yield	5%
Payout Ratio	74%
Assets	$1.52B
Cash	$47.26M
Shares Outstanding	4.52M
Earnings Score	23%
Shares Growth 3y	0%
Equity Growth QoQ	13%
Equity Growth YoY	47%

Assets & ROA

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Stockholders Equity & ROE

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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.

SEC Filings

Direct access to Union Bankshares Inc (UNB) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Union Bankshares Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Union Bankshares Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 6%

Stability 43%

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Union Bankshares Inc Discounted Cash Flow

Fully customizable DCF calculator online for Union Bankshares Inc.

Years

Calculation mode

= $122M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$7.7M	$8.2M	$8.7M	$9.3M	$9.9M	$11M	$11M	$12M	$13M	$14M	$15M	$147M
DCF		$7.4M	$7.2M	$7M	$6.8M	$6.6M	$6.4M	$6.2M	$6M	$5.8M	$5.7M	$57M
Value	$122M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-	-	-	-	-
ROA	-	2%	2%	1%	2%	2%	2%	1%	2%	-
ROE	-	15%	14%	11%	15%	16%	16%	23%	17%	12%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	85%	100%	100%	100%	100%	88%	85%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Neutral Graham’s Stability (85%)

The company has a stability in its earnings that is not too good nor too bad.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	-	-
Earnings YoY growth	-	8%	-1%	-16%	51%	20%	3%	-4%	-11%	-2%
Equity YoY growth	-	5%	4%	10%	11%	13%	4%	-35%	19%	-6%
FCF YoY growth	-	-47%	38%	74%	-61%	-251%	-418%	10%	-74%	-15%