Union Bankshares Inc. (UNB)
Union Bankshares Statistics
Share Statistics
Union Bankshares has 4.54M shares outstanding. The number of shares has increased by 0.43% in one year.
| Shares Outstanding | 4.54M |
| Shares Change (YoY) | 0.43% |
| Shares Change (QoQ) | 0.31% |
| Owned by Institutions (%) | 19.64% |
| Shares Floating | 3.73M |
| Failed to Deliver (FTD) Shares | 317 |
| FTD / Avg. Volume | 3.34% |
Short Selling Information
The latest short interest is 28.29K, so 0.62% of the outstanding shares have been sold short.
| Short Interest | 28.29K |
| Short % of Shares Out | 0.62% |
| Short % of Float | 0.7% |
| Short Ratio (days to cover) | 2.31 |
Valuation Ratios
The PE ratio is 14.9 and the forward PE ratio is 11.12. Union Bankshares's PEG ratio is -0.67.
| PE Ratio | 14.9 |
| Forward PE | 11.12 |
| PS Ratio | 2.77 |
| Forward PS | 3.4 |
| PB Ratio | 1.96 |
| P/FCF Ratio | 11.78 |
| PEG Ratio | -0.67 |
Enterprise Valuation
Union Bankshares has an Enterprise Value (EV) of 391.9M.
| EV / Sales | 8.31 |
| EV / EBITDA | 0 |
| EV / EBIT | 32.25 |
| EV / FCF | 35.37 |
Financial Position
The company has a current ratio of 0.93, with a Debt / Equity ratio of 4.15.
| Current Ratio | 0.93 |
| Quick Ratio | 0.93 |
| Debt / Equity | 4.15 |
| Debt / EBITDA | - |
| Debt / FCF | 24.91 |
| Interest Coverage | 0.66 |
Financial Efficiency
Return on Equity is 13.18% and Return on Invested Capital is 1.24%.
| Return on Equity | 13.18% |
| Return on Assets | 0.57% |
| Return on Invested Capital | 1.24% |
| Revenue Per Employee | $246.9K |
| Profits Per Employee | $45.87K |
| Employee Count | 191 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 369K |
| Effective Tax Rate | 4.04% |
Stock Price Statistics
The stock price has increased by 23.51% in the last 52 weeks. The beta is 0.57, so Union Bankshares's price volatility has been higher than the market average.
| Beta | 0.57 |
| 52-Week Price Change | 23.51% |
| 50-Day Moving Average | 30.35 |
| 200-Day Moving Average | 28.8 |
| Relative Strength Index (RSI) | 66.83 |
| Average Volume (20 Days) | 9.48K |
Income Statement
In the last 12 months, Union Bankshares had revenue of 47.16M and earned 8.76M in profits. Earnings per share was 1.94.
| Revenue | 47.16M |
| Gross Profit | 47.16M |
| Operating Income | 19.58M |
| Net Income | 8.76M |
| EBITDA | 0 |
| EBIT | -1.59M |
| Earnings Per Share (EPS) | 1.94 |
Balance Sheet
The company has 14.63M in cash and 275.97M in debt, giving a net cash position of -261.34M.
| Cash & Cash Equivalents | 14.63M |
| Total Debt | 275.97M |
| Net Cash | -261.34M |
| Retained Earnings | 91.72M |
| Total Assets | 1.53B |
| Working Capital | -1.18M |
Cash Flow
In the last 12 months, operating cash flow was 12.15M and capital expenditures -1.07M, giving a free cash flow of 11.08M.
| Operating Cash Flow | 12.15M |
| Capital Expenditures | -1.07M |
| Free Cash Flow | 11.08M |
| FCF Per Share | 2.45 |
Margins
Gross margin is 100%, with operating and profit margins of 41.51% and 18.58%.
| Gross Margin | 100% |
| Operating Margin | 41.51% |
| Pretax Margin | 19.36% |
| Profit Margin | 18.58% |
| EBITDA Margin | n/a |
| EBIT Margin | 41.51% |
| FCF Margin | 23.5% |
Dividends & Yields
UNB pays an annual dividend of $1.8, which amounts to a dividend yield of 4.03%.
| Dividend Per Share | $1.80 |
| Dividend Yield | 4.03% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 93.75% |
| Earnings Yield | 6.71% |
| FCF Yield | 8.49% |
Analyst Forecast
Currently there are no analyst rating for UNB.
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
Stock Splits
The last stock split was on Aug 11, 2003. It was a forward split with a ratio of 3:2.
| Last Split Date | Aug 11, 2003 |
| Split Type | forward |
| Split Ratio | 3:2 |
Scores
| Altman Z-Score | 0.21 |
| Piotroski F-Score | 5 |