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Union Bankshares, Inc. (UNB)
:UNB
Total Valuation
Union Bankshares has a market cap or net worth of $103.65M. The enterprise value is $396.10M.
Market Cap$103.65M
Enterprise Value$396.10M
Share Statistics
Union Bankshares has 4,582,423 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,582,423
Owned by Insiders2.55%
Owned by Institutions4.01%
Financial Efficiency
Union Bankshares’s return on equity (ROE) is 0.13 and return on invested capital (ROIC) is 2.25%.
Return on Equity (ROE)0.13
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)2.25%
Return on Capital Employed (ROCE)0.03
Revenue Per Employee400.09K
Profits Per Employee45.87K
Employee Count191
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Union Bankshares is 9.1. Union Bankshares’s PEG ratio is -0.67.
PE Ratio9.1
PS Ratio1.71
PB Ratio1.97
Price to Fair Value1.97
Price to FCF11.80
Price to Operating Cash Flow5.04
PEG Ratio-0.67
Income Statement
In the last 12 months, Union Bankshares had revenue of 76.42M and earned 8.76M in profits. Earnings per share was 1.94.
Revenue76.42M
Gross Profit45.90M
Operating Income9.13M
Pretax Income9.13M
Net Income8.76M
EBITDA10.72M
Earnings Per Share (EPS)1.94
Cash Flow
In the last 12 months, operating cash flow was 19.82M and capital expenditures -1.11M, giving a free cash flow of 18.71M billion.
Operating Cash Flow19.82M
Free Cash Flow18.71M
Free Cash Flow per Share4.08
Dividends & Yields
Union Bankshares pays an annual dividend of $0.36, resulting in a dividend yield of 6.39%
Dividend Per Share$0.36
Dividend Yield6.39%
Payout Ratio58.09%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.65
52-Week Price Change-33.72%
50-Day Moving Average23.59
200-Day Moving Average27.01
Relative Strength Index (RSI)53.38
Average Volume (3m)9.77K
Important Dates
Union Bankshares upcoming earnings date is Jan 21, 2026, During Market Hours (Confirmed).
Last Earnings DateOct 15, 2025
Next Earnings DateJan 21, 2026
Ex-Dividend DateOct 24, 2025
Financial Position
Union Bankshares as a current ratio of 0.16, with Debt / Equity ratio of 0.00%
Current Ratio0.16
Quick Ratio0.16
Debt to Market Cap2.11
Net Debt to EBITDA24.60
Interest Coverage Ratio0.31
Taxes
In the past 12 months, Union Bankshares has paid 369.00K in taxes.
Income Tax369.00K
Effective Tax Rate0.04
Enterprise Valuation
Union Bankshares EV to EBITDA ratio is 36.80, with an EV/FCF ratio of 35.61.
EV to Sales5.16
EV to EBITDA36.80
EV to Free Cash Flow35.61
EV to Operating Cash Flow32.47
Balance Sheet
Union Bankshares has $174.18M in cash and marketable securities with $287.14M in debt, giving a net cash position of -$112.96M billion.
Cash & Marketable Securities$174.18M
Total Debt$287.14M
Net Cash-$112.96M
Net Cash Per Share-$24.65
Tangible Book Value Per Share$14.32
Margins
Gross margin is 51.19%, with operating margin of 11.95%, and net profit margin of 11.46%.
Gross Margin51.19%
Operating Margin11.95%
Pretax Margin11.95%
Net Profit Margin11.46%
EBITDA Margin14.03%
EBIT Margin11.95%
Analyst Forecast
The average price target for Union Bankshares is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast14.52%
EPS Growth Forecast27.90%