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UNB Quote, Financials, Valuation and Earnings

Last price:
$25.00
Seasonality move :
-2.57%
Day range:
$24.78 - $25.25
52-week range:
$20.65 - $36.00
Dividend yield:
5.81%
P/E ratio:
10.00x
P/S ratio:
1.33x
P/B ratio:
1.46x
Volume:
9.2K
Avg. volume:
15K
1-year change:
-17.05%
Market cap:
$113.6M
Revenue:
$77.9M
EPS (TTM):
$2.48

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
UNB
Union Bankshares, Inc. (Vermont)
-- -- -- -- --
FRAF
Franklin Financial Services Corp. (Pennsylvania)
-- -- -- -- --
FUNC
First United Corp.
$22.6M $0.97 -20.78% 0.63% $42.00
SHBI
Shore Bancshares, Inc.
$57.8M $0.45 -32.5% 17.43% $19.00
STBA
S&T Bancorp, Inc.
$102.9M $0.85 -25.5% 2.07% $41.40
SYBT
Stock Yards Bancorp, Inc.
$101.2M $1.14 -24.46% 1.08% $75.40
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UNB
Union Bankshares, Inc. (Vermont)
$24.78 -- $113.6M 10.00x $0.36 5.81% 1.33x
FRAF
Franklin Financial Services Corp. (Pennsylvania)
$53.15 -- $238.1M 15.17x $0.33 2.47% 1.87x
FUNC
First United Corp.
$37.92 $42.00 $246.4M 9.89x $0.26 2.53% 2.08x
SHBI
Shore Bancshares, Inc.
$18.26 $19.00 $610.4M 10.72x $0.12 2.63% 1.80x
STBA
S&T Bancorp, Inc.
$40.48 $41.40 $1.5B 11.69x $0.36 3.41% 2.78x
SYBT
Stock Yards Bancorp, Inc.
$68.53 $75.40 $2B 14.95x $0.32 1.84% 3.66x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UNB
Union Bankshares, Inc. (Vermont)
78.71% -1.264 253.08% 0.00x
FRAF
Franklin Financial Services Corp. (Pennsylvania)
56.36% -0.109 104.28% 0.00x
FUNC
First United Corp.
37.07% 0.858 49.8% 0.00x
SHBI
Shore Bancshares, Inc.
19.06% 1.135 24.78% 0.00x
STBA
S&T Bancorp, Inc.
13.75% 0.490 16.32% 0.00x
SYBT
Stock Yards Bancorp, Inc.
29.67% 0.256 21.29% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UNB
Union Bankshares, Inc. (Vermont)
-- $3.9M 3.29% 15.84% 52.76% -$37.1M
FRAF
Franklin Financial Services Corp. (Pennsylvania)
-- $6.7M 4.08% 10.18% 52.6% $9.1M
FUNC
First United Corp.
-- $9.2M 7.24% 13.44% 56.73% $168K
SHBI
Shore Bancshares, Inc.
-- $19M 8.25% 10.27% 55.98% $27.7M
STBA
S&T Bancorp, Inc.
-- $43.8M 7.93% 9.4% 59.33% $39.9M
SYBT
Stock Yards Bancorp, Inc.
-- $45.7M 9.12% 13.81% 61.41% $35.2M

Union Bankshares, Inc. (Vermont) vs. Competitors

  • Which has Higher Returns UNB or FRAF?

    Franklin Financial Services Corp. (Pennsylvania) has a net margin of 15.23% compared to Union Bankshares, Inc. (Vermont)'s net margin of 15.53%. Union Bankshares, Inc. (Vermont)'s return on equity of 15.84% beat Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 10.18%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares, Inc. (Vermont)
    -- $0.75 $364.8M
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    -- $1.19 $381.2M
  • What do Analysts Say About UNB or FRAF?

    Union Bankshares, Inc. (Vermont) has a consensus price target of --, signalling downside risk potential of --. On the other hand Franklin Financial Services Corp. (Pennsylvania) has an analysts' consensus of -- which suggests that it could fall by --. Given that Union Bankshares, Inc. (Vermont) has higher upside potential than Franklin Financial Services Corp. (Pennsylvania), analysts believe Union Bankshares, Inc. (Vermont) is more attractive than Franklin Financial Services Corp. (Pennsylvania).

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares, Inc. (Vermont)
    0 0 0
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    0 0 0
  • Is UNB or FRAF More Risky?

    Union Bankshares, Inc. (Vermont) has a beta of 0.392, which suggesting that the stock is 60.813% less volatile than S&P 500. In comparison Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.078, suggesting its less volatile than the S&P 500 by 107.753%.

  • Which is a Better Dividend Stock UNB or FRAF?

    Union Bankshares, Inc. (Vermont) has a quarterly dividend of $0.36 per share corresponding to a yield of 5.81%. Franklin Financial Services Corp. (Pennsylvania) offers a yield of 2.47% to investors and pays a quarterly dividend of $0.33 per share. Union Bankshares, Inc. (Vermont) pays 74.85% of its earnings as a dividend. Franklin Financial Services Corp. (Pennsylvania) pays out 50.91% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNB or FRAF?

    Union Bankshares, Inc. (Vermont) quarterly revenues are $22.6M, which are smaller than Franklin Financial Services Corp. (Pennsylvania) quarterly revenues of $34.5M. Union Bankshares, Inc. (Vermont)'s net income of $3.4M is lower than Franklin Financial Services Corp. (Pennsylvania)'s net income of $5.4M. Notably, Union Bankshares, Inc. (Vermont)'s price-to-earnings ratio is 10.00x while Franklin Financial Services Corp. (Pennsylvania)'s PE ratio is 15.17x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Union Bankshares, Inc. (Vermont) is 1.33x versus 1.87x for Franklin Financial Services Corp. (Pennsylvania). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares, Inc. (Vermont)
    1.33x 10.00x $22.6M $3.4M
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    1.87x 15.17x $34.5M $5.4M
  • Which has Higher Returns UNB or FUNC?

    First United Corp. has a net margin of 15.23% compared to Union Bankshares, Inc. (Vermont)'s net margin of 22.39%. Union Bankshares, Inc. (Vermont)'s return on equity of 15.84% beat First United Corp.'s return on equity of 13.44%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares, Inc. (Vermont)
    -- $0.75 $364.8M
    FUNC
    First United Corp.
    -- $1.07 $316.4M
  • What do Analysts Say About UNB or FUNC?

    Union Bankshares, Inc. (Vermont) has a consensus price target of --, signalling downside risk potential of --. On the other hand First United Corp. has an analysts' consensus of $42.00 which suggests that it could grow by 10.76%. Given that First United Corp. has higher upside potential than Union Bankshares, Inc. (Vermont), analysts believe First United Corp. is more attractive than Union Bankshares, Inc. (Vermont).

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares, Inc. (Vermont)
    0 0 0
    FUNC
    First United Corp.
    0 0 0
  • Is UNB or FUNC More Risky?

    Union Bankshares, Inc. (Vermont) has a beta of 0.392, which suggesting that the stock is 60.813% less volatile than S&P 500. In comparison First United Corp. has a beta of 0.542, suggesting its less volatile than the S&P 500 by 45.837%.

  • Which is a Better Dividend Stock UNB or FUNC?

    Union Bankshares, Inc. (Vermont) has a quarterly dividend of $0.36 per share corresponding to a yield of 5.81%. First United Corp. offers a yield of 2.53% to investors and pays a quarterly dividend of $0.26 per share. Union Bankshares, Inc. (Vermont) pays 74.85% of its earnings as a dividend. First United Corp. pays out 26.71% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNB or FUNC?

    Union Bankshares, Inc. (Vermont) quarterly revenues are $22.6M, which are smaller than First United Corp. quarterly revenues of $31M. Union Bankshares, Inc. (Vermont)'s net income of $3.4M is lower than First United Corp.'s net income of $6.9M. Notably, Union Bankshares, Inc. (Vermont)'s price-to-earnings ratio is 10.00x while First United Corp.'s PE ratio is 9.89x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Union Bankshares, Inc. (Vermont) is 1.33x versus 2.08x for First United Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares, Inc. (Vermont)
    1.33x 10.00x $22.6M $3.4M
    FUNC
    First United Corp.
    2.08x 9.89x $31M $6.9M
  • Which has Higher Returns UNB or SHBI?

    Shore Bancshares, Inc. has a net margin of 15.23% compared to Union Bankshares, Inc. (Vermont)'s net margin of 16.9%. Union Bankshares, Inc. (Vermont)'s return on equity of 15.84% beat Shore Bancshares, Inc.'s return on equity of 10.27%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares, Inc. (Vermont)
    -- $0.75 $364.8M
    SHBI
    Shore Bancshares, Inc.
    -- $0.43 $713.1M
  • What do Analysts Say About UNB or SHBI?

    Union Bankshares, Inc. (Vermont) has a consensus price target of --, signalling downside risk potential of --. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $19.00 which suggests that it could grow by 4.05%. Given that Shore Bancshares, Inc. has higher upside potential than Union Bankshares, Inc. (Vermont), analysts believe Shore Bancshares, Inc. is more attractive than Union Bankshares, Inc. (Vermont).

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares, Inc. (Vermont)
    0 0 0
    SHBI
    Shore Bancshares, Inc.
    1 1 0
  • Is UNB or SHBI More Risky?

    Union Bankshares, Inc. (Vermont) has a beta of 0.392, which suggesting that the stock is 60.813% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.936, suggesting its less volatile than the S&P 500 by 6.357%.

  • Which is a Better Dividend Stock UNB or SHBI?

    Union Bankshares, Inc. (Vermont) has a quarterly dividend of $0.36 per share corresponding to a yield of 5.81%. Shore Bancshares, Inc. offers a yield of 2.63% to investors and pays a quarterly dividend of $0.12 per share. Union Bankshares, Inc. (Vermont) pays 74.85% of its earnings as a dividend. Shore Bancshares, Inc. pays out 36.4% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNB or SHBI?

    Union Bankshares, Inc. (Vermont) quarterly revenues are $22.6M, which are smaller than Shore Bancshares, Inc. quarterly revenues of $84.9M. Union Bankshares, Inc. (Vermont)'s net income of $3.4M is lower than Shore Bancshares, Inc.'s net income of $14.3M. Notably, Union Bankshares, Inc. (Vermont)'s price-to-earnings ratio is 10.00x while Shore Bancshares, Inc.'s PE ratio is 10.72x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Union Bankshares, Inc. (Vermont) is 1.33x versus 1.80x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares, Inc. (Vermont)
    1.33x 10.00x $22.6M $3.4M
    SHBI
    Shore Bancshares, Inc.
    1.80x 10.72x $84.9M $14.3M
  • Which has Higher Returns UNB or STBA?

    S&T Bancorp, Inc. has a net margin of 15.23% compared to Union Bankshares, Inc. (Vermont)'s net margin of 24.06%. Union Bankshares, Inc. (Vermont)'s return on equity of 15.84% beat S&T Bancorp, Inc.'s return on equity of 9.4%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares, Inc. (Vermont)
    -- $0.75 $364.8M
    STBA
    S&T Bancorp, Inc.
    -- $0.91 $1.7B
  • What do Analysts Say About UNB or STBA?

    Union Bankshares, Inc. (Vermont) has a consensus price target of --, signalling downside risk potential of --. On the other hand S&T Bancorp, Inc. has an analysts' consensus of $41.40 which suggests that it could grow by 2.27%. Given that S&T Bancorp, Inc. has higher upside potential than Union Bankshares, Inc. (Vermont), analysts believe S&T Bancorp, Inc. is more attractive than Union Bankshares, Inc. (Vermont).

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares, Inc. (Vermont)
    0 0 0
    STBA
    S&T Bancorp, Inc.
    0 6 0
  • Is UNB or STBA More Risky?

    Union Bankshares, Inc. (Vermont) has a beta of 0.392, which suggesting that the stock is 60.813% less volatile than S&P 500. In comparison S&T Bancorp, Inc. has a beta of 0.926, suggesting its less volatile than the S&P 500 by 7.406%.

  • Which is a Better Dividend Stock UNB or STBA?

    Union Bankshares, Inc. (Vermont) has a quarterly dividend of $0.36 per share corresponding to a yield of 5.81%. S&T Bancorp, Inc. offers a yield of 3.41% to investors and pays a quarterly dividend of $0.36 per share. Union Bankshares, Inc. (Vermont) pays 74.85% of its earnings as a dividend. S&T Bancorp, Inc. pays out 39.04% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNB or STBA?

    Union Bankshares, Inc. (Vermont) quarterly revenues are $22.6M, which are smaller than S&T Bancorp, Inc. quarterly revenues of $145.3M. Union Bankshares, Inc. (Vermont)'s net income of $3.4M is lower than S&T Bancorp, Inc.'s net income of $35M. Notably, Union Bankshares, Inc. (Vermont)'s price-to-earnings ratio is 10.00x while S&T Bancorp, Inc.'s PE ratio is 11.69x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Union Bankshares, Inc. (Vermont) is 1.33x versus 2.78x for S&T Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares, Inc. (Vermont)
    1.33x 10.00x $22.6M $3.4M
    STBA
    S&T Bancorp, Inc.
    2.78x 11.69x $145.3M $35M
  • Which has Higher Returns UNB or SYBT?

    Stock Yards Bancorp, Inc. has a net margin of 15.23% compared to Union Bankshares, Inc. (Vermont)'s net margin of 25.02%. Union Bankshares, Inc. (Vermont)'s return on equity of 15.84% beat Stock Yards Bancorp, Inc.'s return on equity of 13.81%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares, Inc. (Vermont)
    -- $0.75 $364.8M
    SYBT
    Stock Yards Bancorp, Inc.
    -- $1.23 $1.5B
  • What do Analysts Say About UNB or SYBT?

    Union Bankshares, Inc. (Vermont) has a consensus price target of --, signalling downside risk potential of --. On the other hand Stock Yards Bancorp, Inc. has an analysts' consensus of $75.40 which suggests that it could grow by 10.03%. Given that Stock Yards Bancorp, Inc. has higher upside potential than Union Bankshares, Inc. (Vermont), analysts believe Stock Yards Bancorp, Inc. is more attractive than Union Bankshares, Inc. (Vermont).

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares, Inc. (Vermont)
    0 0 0
    SYBT
    Stock Yards Bancorp, Inc.
    0 6 0
  • Is UNB or SYBT More Risky?

    Union Bankshares, Inc. (Vermont) has a beta of 0.392, which suggesting that the stock is 60.813% less volatile than S&P 500. In comparison Stock Yards Bancorp, Inc. has a beta of 0.691, suggesting its less volatile than the S&P 500 by 30.928%.

  • Which is a Better Dividend Stock UNB or SYBT?

    Union Bankshares, Inc. (Vermont) has a quarterly dividend of $0.36 per share corresponding to a yield of 5.81%. Stock Yards Bancorp, Inc. offers a yield of 1.84% to investors and pays a quarterly dividend of $0.32 per share. Union Bankshares, Inc. (Vermont) pays 74.85% of its earnings as a dividend. Stock Yards Bancorp, Inc. pays out 31.34% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UNB or SYBT?

    Union Bankshares, Inc. (Vermont) quarterly revenues are $22.6M, which are smaller than Stock Yards Bancorp, Inc. quarterly revenues of $144.8M. Union Bankshares, Inc. (Vermont)'s net income of $3.4M is lower than Stock Yards Bancorp, Inc.'s net income of $36.2M. Notably, Union Bankshares, Inc. (Vermont)'s price-to-earnings ratio is 10.00x while Stock Yards Bancorp, Inc.'s PE ratio is 14.95x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Union Bankshares, Inc. (Vermont) is 1.33x versus 3.66x for Stock Yards Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares, Inc. (Vermont)
    1.33x 10.00x $22.6M $3.4M
    SYBT
    Stock Yards Bancorp, Inc.
    3.66x 14.95x $144.8M $36.2M

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