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Union Bankshares, Inc. (UNB)

Profile

Full Name

Union Bankshares, Inc.

Ticker

NASDAQ: UNB

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

August 9, 1999

Indexes

Not included

Website

http://www.ublocal.com

Employees

191

Key Details

Price

$28.70(+2.90%)

Market cap

$130.26M(Small cap)

Last Dividend

$0.36

TTM Dividend yield

6.27%

Annual revenue

$46.83M(-0.02% YoY)

Annual EPS

$1.92(-22.58% YoY)

PE ratio

14.64

Next earnings date

Oct 16, 2025

Next ex-dividend date

Jul 25, 2025

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $28.70
    UNB price is $28.70

    30-Day Relative Volume

    0.81
    UNB 30-day relative volume is 0.81

    Price Performance

    Price Most recent change

    +2.9%
    UNB price was up +2.9% on Jul 24, 2025

    Price YTD change

    -0.73%
    UNB price is down -0.73% since January 1st

    Price 1-year change

    +14.34%
    UNB price is up +14.34% year-on-year

    Price 3-year change

    +12.02%
    UNB price is up +12.02% over the past 3 years

    Price Range

    Price All-time high

    $55.00
    UNB price is currently -47.82% below its historical high of $55.00

    Price 3-year low

    $20.07
    UNB price is currently +43.00% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $130.26M
    UNB market capitalization is $130.26 million

    Market cap 3-year change

    +13.11%
    UNB market capitalization is up +13.11% over the past 3 years

    Market cap All-time high

    $245.44M
    UNB market capitalization is currently -46.93% below its historical high of $245.44 million

    Market cap sector rank

    22.89%
    UNB market capitalization is higher than 22.89% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.32%
    UNB shares outstanding is up +0.32% year-on-year

    Shares Outstanding 3-Year Change

    +0.97%
    UNB shares outstanding is up +0.97% over the past 3 years

    Technical Indicators

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    Beta

    0.50
    UNB beta is 0.50

    200-day SMA

    $30.23
    UNB price is currently -5.07% below its 200-day simple moving average

    50-day SMA

    $28.77
    UNB price is currently -0.25% below its 50-day simple moving average

    RSI

    56.22
    UNB 14-day relative strength index is 56.22

    Volume

    0.81
    UNB 30-day relative volume is 0.81

    ATR

    $1.07
    UNB average true range is $1.07

    10-day Historical Volatility

    38.77%
    UNB 10-day historical volatility is 38.77%

    Dividend

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    Events

    Last Paid Dividend

    $0.36
    UNB last dividend was $0.36 per share, with an ex-dividend date of April 25, 2025

    Next Dividend

    $0.36
    UNB has announced a dividend of $0.36 per share, with an ex-dividend date set for July 25, 2025

    Dividend per share

    Dividend per share

    $1.44
    UNB annual dividend per share is $1.44

    Dividend per share Sector Rank

    71.44%
    UNB annual dividend per share is higher than 71.44% of companies in Financial Services sector

    Dividend per share 1-Year Change

    0%
    UNB annual dividend per share has remained unchanged year-on-year

    Dividend per share 3-Year Change

    +9.09%
    UNB annual dividend per share is up +9.09% over the past 3 years

    Dividend yield

    Dividend yield

    5.02%
    UNB annual dividend yield is 5.02%

    Dividend yield Sector Rank

    53.93%
    UNB annual dividend yield is higher than 53.93% of companies in Financial Services sector

    Other

    Payout ratio

    73.55%
    UNB annual payout ratio is 73.55%

    Dividends paid

    $6.44M
    UNB annual dividends paid is $6.44 million

    Free cash flow

    $11.08M
    UNB annual free cash flow is $11.08 million

    Income Statement

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    Revenue

    Revenue

    $46.83M
    UNB annual revenue is $46.83 million

    Revenue Analysts estimate

    -
    UNB annual revenue consensus analysts' forecast is unknown

    Revenue 1-year change

    -0.02%
    UNB annual revenue is down -0.02% year-on-year

    Revenue Sector rank

    32.53%
    UNB annual revenue is higher than 32.53% of companies in Financial Services sector

    EPS

    EPS

    $1.92
    UNB annual earnings per share is $1.92

    EPS Analysts estimate

    -
    UNB annual earnings per share consensus analysts' forecast is unknown

    EPS 1-year change

    -22.58%
    UNB annual earnings per share is down -22.58% year-on-year

    EPS Sector rank

    58.8%
    UNB annual earnings per share is higher than 58.8% of companies in Financial Services sector

    Profit

    Gross profit

    -
    UNB annual gross profit value is unknown

    Gross margin

    -
    UNB annual gross profit margin value is unknown

    Operating profit

    -
    UNB annual operating income value is unknown

    Operating margin

    -
    UNB annual operating profit margin value is unknown

    Net income

    $8.76M
    UNB annual net profit is $8.76 million

    Net margin

    18.71%
    UNB annual net profit margin is 18.71%

    Expenses

    Total expenses

    -
    UNB annual total expenses value is unknown

    Operating expenses

    $21.39M
    UNB annual total operating expenses is $21.39 million

    Cost of goods sold

    -
    UNB annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $21.39M
    UNB annual SGA is $21.39 million

    Depreciation and amortization

    $1.59M
    UNB annual depreciation & amortization is $1.59 million

    Interest expense

    -
    UNB annual interest expense value is unknown

    Income tax

    $369.00K
    UNB annual income tax is $369.00 thousand

    EBIT & EBITDA

    EBIT

    $38.72M
    UNB annual earnings before interest & taxes is $38.72 million

    EBITDA

    $40.31M
    UNB annual EBITDA is $40.31 million

    Balance Sheet

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    Assets

    Total assets

    $1.53B
    UNB annual total assets is $1.53 billion

    Non current assets

    $1.43B
    UNB annual long term assets is $1.43 billion

    Current assets

    $100.45M
    UNB annual total current assets is $100.45 million

    Cash and cash equivalents

    $14.63M
    UNB annual cash & cash equivalents is $14.63 million

    Accounts receivable

    -
    UNB annual accounts receivable value is unknown

    Inventory

    -
    UNB annual inventory value is unknown

    Liabilities

    Total liabilities

    $1.46B
    UNB annual total liabilities is $1.46 billion

    Long term liabilities

    $1.44B
    UNB annual total long term liabilities is $1.44 billion

    Current liabilities

    -
    UNB annual total current liabilities value is unknown

    Accounts payable

    -
    UNB annual accounts payable value is unknown

    Debt

    Total debt

    $275.97M
    UNB annual total debt is $275.97 million

    Total debt 1-year change

    +236.81%
    UNB annual total debt is up +236.81% year-on-year

    Long term debt

    $275.97M
    UNB annual long term debt is $275.97 million

    Short term debt

    -
    UNB annual short term debt value is unknown

    Equity & Capital

    Shareholders equity

    $66.48M
    UNB annual stockholders equity is $66.48 million

    Book value

    $66.48M
    UNB annual book value is $66.48 million

    Retained earnings

    $91.72M
    UNB annual retained earnings is $91.72 million

    Working capital

    -
    UNB annual working capital value is unknown

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $12.15M
    UNB annual cash flow from operations is $12.15 million

    Cash from operations 1-year change

    +32.21%
    UNB annual cash flow from operations is up +32.21% year-on-year

    Cash from investing

    -$124.83M
    UNB annual cash flow from investing activities is -$124.83 million

    Cash from investing 1-year change

    -51.76%
    UNB annual cash flow from investing activities is down -51.76% year-on-year

    Cash from financing

    $50.85M
    UNB annual cash flow from financing activities is $50.85 million

    Cash from financing 1-year change

    -54.94%
    UNB annual cash flow from financing activities is down -54.94% year-on-year

    CAPEX

    CAPEX

    $1.07M
    UNB annual capital expenditures is $1.07 million

    CAPEX 1-year change

    -44.96%
    UNB annual capital expenditures is down -44.96% year-on-year

    Free Cash Flow

    Free cash flow

    $11.08M
    UNB annual free cash flow is $11.08 million

    Free cash flow 1-year change

    +52.93%
    UNB annual free cash flow is up +52.93% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    -
    UNB annual gross profit margin value is unknown

    Operating margin

    -
    UNB annual operating profit margin value is unknown

    Net margin

    18.71%
    UNB annual net profit margin is 18.71%

    ROA & ROE

    ROA

    0.58%
    UNB annual return on assets is 0.58%

    ROE

    13.25%
    UNB annual return on equity is 13.25%

    Valuation

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    PE Ratio

    PE ratio

    14.64
    UNB price to earnings ratio is 14.64

    PE ratio Sector rank

    48.34%
    UNB price to earnings ratio is higher than 48.34% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.86
    UNB price to book ratio is 1.86

    PB ratio Sector rank

    75.69%
    UNB price to book ratio is higher than 75.69% of companies in Financial Services sector

    PS Ratio

    PS ratio

    2.69
    UNB price to sales ratio is 2.69

    PS ratio Sector rank

    38.48%
    UNB price to sales ratio is higher than 38.48% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $374.50M
    UNB enterprise value is $374.50 million

    Enterprise value Sector rank

    41.62%
    UNB enterprise value is higher than 41.62% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    8.97
    UNB EV/EBITDA is 8.97

    EV/EBITDA Sector rank

    74.92%
    UNB EV/EBITDA is higher than 74.92% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    -
    UNB annual current ratio value is unknown

    Quick ratio

    -
    UNB annual quick ratio value is unknown

    Leverage

    Debt to equity

    4.15
    UNB annual debt to equity ratio is 4.15

    Interest coverage ratio

    -
    UNB annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    -
    UNB piotroski f-score value is unknown

    Altman Z-Score

    -
    UNB altman z-score value is unknown

    Analyst ratings

    Recent major analysts updates

    Jan 24, 14 BMO Capital
    Outperform

    Institutional Ownership

    Screeners with UNB included

    Growing Shares Outstanding
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    • What is the ticker symbol for Union Bankshares, Inc.?
    • Does Union Bankshares, Inc. pay dividends?
    • What sector is Union Bankshares, Inc. in?
    • What industry is Union Bankshares, Inc. in?
    • What country is Union Bankshares, Inc. based in?
    • When did Union Bankshares, Inc. go public?
    • Is Union Bankshares, Inc. in the S&P 500?
    • Is Union Bankshares, Inc. in the NASDAQ 100?
    • Is Union Bankshares, Inc. in the Dow Jones?
    • When was Union Bankshares, Inc.'s last earnings report?
    • When does Union Bankshares, Inc. report earnings?

    What is the ticker symbol for Union Bankshares, Inc.?

    The ticker symbol for Union Bankshares, Inc. is NASDAQ:UNB

    Does Union Bankshares, Inc. pay dividends?

    Yes, Union Bankshares, Inc. pays dividends. The last payment was $0.36, with an ex-dividend date on April 25, 2025

    What sector is Union Bankshares, Inc. in?

    Union Bankshares, Inc. is in the Financial Services sector

    What industry is Union Bankshares, Inc. in?

    Union Bankshares, Inc. is in the Regional Banks industry

    What country is Union Bankshares, Inc. based in?

    Union Bankshares, Inc. is headquartered in United States

    When did Union Bankshares, Inc. go public?

    Union Bankshares, Inc.'s initial public offering (IPO) was on August 9, 1999

    Is Union Bankshares, Inc. in the S&P 500?

    No, Union Bankshares, Inc. is not included in the S&P 500 index

    Is Union Bankshares, Inc. in the NASDAQ 100?

    No, Union Bankshares, Inc. is not included in the NASDAQ 100 index

    Is Union Bankshares, Inc. in the Dow Jones?

    No, Union Bankshares, Inc. is not included in the Dow Jones index

    When was Union Bankshares, Inc.'s last earnings report?

    Union Bankshares, Inc.'s most recent earnings report was on July 16, 2025

    When does Union Bankshares, Inc. report earnings?

    The next expected earnings date for Union Bankshares, Inc. is October 16, 2025
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