Union Bankshares, Inc.
General ticker "UNB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $130.3M (TTM average)
Union Bankshares, Inc. does not follow the US Stock Market performance with the rate: -28.9%.
Estimated limits based on current volatility of 1.6%: low 23.64$, high 24.39$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-01-31, amount 0.36$ (Y5.99%)
- Total employees count: 197 (+4.8%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Cybersecurity threats, Economic downturns and volatility, Liquidity and credit risks, Market competition, Labor/talent shortage/retention
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [27.24$, 36.91$]
- 2025-12-31 to 2026-12-31 estimated range: [26.57$, 36.56$]
Financial Metrics affecting the UNB estimates:
- Positive: with PPE of 15.6 at the end of fiscal year the price was neutral
- Positive: 7.67 < Operating profit margin, % of 11.71
- Positive: 6.64 < Operating cash flow per share per price, % of 8.88
- Positive: Industry operating cash flow per share per price (median), % of 10.58 > 10.29
- Negative: Shareholder equity ratio, % of 4.35 <= 19.40
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 0.57
Short-term UNB quotes
Long-term UNB plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $53.07MM | $67.28MM | $77.94MM |
| Operating Expenses | $37.83MM | $54.40MM | $68.81MM |
| Operating Income | $15.25MM | $12.88MM | $9.13MM |
| Interest Expense | $4.52MM | $19.27MM | $29.59MM |
| Income(Loss) | $15.25MM | $12.88MM | $9.13MM |
| Taxes | $2.63MM | $1.62MM | $0.37MM |
| Profit(Loss)* | $12.62MM | $11.26MM | $8.76MM |
| Stockholders Equity | $55.22MM | $65.81MM | $66.48MM |
| Assets | $1,336.49MM | $1,468.88MM | $1,528.36MM |
| Operating Cash Flow | $29.03MM | $9.19MM | $12.15MM |
| Capital expenditure | $0.67MM | $1.95MM | $1.07MM |
| Investing Cash Flow | $-207.58MM | $-82.25MM | $-124.83MM |
| Financing Cash Flow | $150.51MM | $112.84MM | $50.85MM |
| Earnings Per Share** | $2.81 | $2.50 | $1.94 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.