Union Bankshares (UNB) AI Stock Analysis

• Market Cap: $127.22M
• Dividend Yield: 5.14%
• Average Volume (3M): 10.19K
• Price to Earnings (P/E): 14.6
• Beta (1Y): 0.80
• Revenue Growth: 14.75%
• EPS Growth: -22.44%
• Country: US
• Employees: 191
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 1.93
• Shares Outstanding: 4,538,596
• 10 Day Avg. Volume: 11,520
• 30 Day Avg. Volume: 10,186
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.17
• Price to Cash Flow (P/CF): 27.80
• P/FCF Ratio: 3.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Union Bankshares demonstrates solid financial stability and operational efficiency, which are crucial strengths in the current banking environment. The stock's technical indicators suggest cautious optimism, while the valuation remains attractive with a reasonable P/E ratio and a high dividend yield. These factors contribute to a balanced stock score, reflecting both strengths and areas to watch for potential risks.

Union Bankshares Business Overview & Revenue Model

Company Description

Union Bankshares, Inc. (UNB), headquartered in Morrisville, Vermont, is a financial holding company that operates primarily through its subsidiary, Union Bank. The company is engaged in providing a wide array of financial services, including retail and commercial banking products. Union Bank caters to both individual and corporate clients, offering services such as savings and checking accounts, mortgage and commercial loans, and investment advisory services. With a strong focus on community banking, Union Bankshares serves customers across Vermont and New Hampshire, emphasizing personalized service and local decision-making.

How the Company Makes Money

Union Bankshares generates revenue primarily through interest income from its lending activities. The bank extends various types of loans, including residential mortgages, commercial real estate loans, and consumer loans, and earns interest on these loans. Another significant income stream is derived from fees and service charges associated with deposit accounts, transaction processing, and other banking services. Additionally, Union Bankshares benefits from investment securities income and trust and wealth management services. The company's earnings are also influenced by its strategic partnerships and community involvement, which help in expanding its customer base and enhancing its service offerings.

Union Bankshares Financial Statement Overview

Summary

Union Bankshares maintains a solid financial foundation with consistent operational performance and effective capital management. While revenue growth has faced headwinds, the company exhibits operational efficiency and financial stability, essential for navigating the competitive banking landscape.

Income Statement

Union Bankshares shows a steady gross profit margin with slight fluctuations in net profit margin over the years. The revenue growth rate has experienced minor declines recently, indicating a challenging environment in maintaining growth momentum. Despite these challenges, EBIT margins remain healthy, demonstrating operational efficiency.

Balance Sheet

The balance sheet is stable with a manageable debt-to-equity ratio and consistent stockholders' equity growth. Return on equity demonstrates a slight downward trend, reflecting pressure on profitability. However, the equity ratio remains robust, showcasing strong financial stability and adequate capitalization.

Cash Flow

Cash flow from operations has shown variability, with free cash flow growth experiencing significant fluctuations. The absence of current period operating and free cash flow data limits analysis, yet past performance indicates the potential for cash generation resilience amid operational challenges.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
47.16M	48.25M	48.41M	48.67M	47.61M
	Gross Profit
47.16M	67.00M	48.41M	48.67M	47.61M
	EBIT
19.58M	22.22M	20.40M	15.82M	15.22M
	EBITDA
0.00	14.52M	17.05M	17.71M	17.29M
	Net Income Common Stockholders
8.76M	11.26M	12.62M	13.17M	12.80M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
15.84M	327.18M	271.20M	285.67M	123.88M
	Total Assets
1.53B	1.47B	1.34B	1.21B	1.09B
	Total Debt
275.97M	81.94M	66.20M	16.17M	7.16M
	Net Debt
261.34M	62.82M	45.27M	-1.68M	-10.95M
	Total Liabilities
1.46B	1.40B	1.28B	1.12B	1.01B
	Stockholders Equity
66.48M	65.81M	55.22M	84.34M	80.87M
Cash Flow		Free Cash Flow
11.08M	7.25M	28.37M	25.68M	-8.07M
	Operating Cash Flow
12.15M	9.19M	29.03M	29.19M	-7.06M
	Investing Cash Flow
-124.83M	-82.25M	-207.58M	-190.01M	-125.91M
	Financing Cash Flow
50.85M	112.84M	150.51M	103.97M	204.61M

Union Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 27.34
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UNB, the sentiment is Negative. The current price of 27.34 is below the 20-day moving average (MA) of 30.13, below the 50-day MA of 30.57, and below the 200-day MA of 27.78, indicating a bearish trend. The MACD of 0.49 indicates Negative momentum. The RSI at 52.14 is Neutral, neither overbought nor oversold. The STOCH value of 54.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UNB.

Union Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PEBO	75 Outperform	$972.01M	8.24	10.77%	5.87%	17.88%	-3.25%
CAC	70 Neutral	$614.89M	10.07	10.33%	4.61%	14.18%	22.19%
UNB	65 Neutral	$127.22M	14.57	13.25%	5.14%	14.75%	-22.44%
UBCP	65 Neutral	$76.85M	10.10	11.23%	5.55%	7.53%	-19.74%
FMBH	65 Neutral	$744.65M	9.40	9.62%	3.06%	17.70%	3.88%
Sector *	63 Neutral	$12.88B	9.21	9.18%	4.78%	16.30%	-8.66%
BMRC	57 Neutral	$322.82M	―	-1.92%	4.99%	-16.98%	-141.53%