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Union Bankshares, Inc is a banks-regional business based in the US. Union Bankshares shares (UNB) are listed on the NASDAQ and all prices are listed in US Dollars. Union Bankshares employs 193 staff and has a trailing 12-month revenue of around 0.00.
|52-week range||$16.36 - $33.19|
|50-day moving average||$30.04|
|200-day moving average||$26.74|
|Wall St. target price||N/A|
|Dividend yield||$1.28 (3.98%)|
|Earnings per share (TTM)||$2.85|
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Valuing Union Bankshares stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Union Bankshares's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Union Bankshares's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, Union Bankshares shares trade at around 12x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
|Revenue TTM||$45.4 million|
|Operating margin TTM||34.26%|
|Gross profit TTM||$45.4 million|
|Return on assets TTM||1.3%|
|Return on equity TTM||16.77%|
|Market capitalisation||$144 million|
TTM: trailing 12 months
There are currently 13,416 Union Bankshares shares held short by investors – that's known as Union Bankshares's "short interest". This figure is 22.3% up from 10,971 last month.
There are a few different ways that this level of interest in shorting Union Bankshares shares can be evaluated.
Union Bankshares's "short interest ratio" (SIR) is the quantity of Union Bankshares shares currently shorted divided by the average quantity of Union Bankshares shares traded daily (recently around 6182.4884792627). Union Bankshares's SIR currently stands at 2.17. In other words for every 100,000 Union Bankshares shares traded daily on the market, roughly 2170 shares are currently held short.
However Union Bankshares's short interest can also be evaluated against the total number of Union Bankshares shares, or, against the total number of tradable Union Bankshares shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Union Bankshares's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Union Bankshares shares in existence, roughly 0 shares are currently held short) or 0.0034% of the tradable shares (for every 100,000 tradable Union Bankshares shares, roughly 3 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Union Bankshares.
Find out more about how you can short Union Bankshares stock.
Dividend payout ratio: 40.37% of net profits
Recently Union Bankshares has paid out, on average, around 40.37% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.02% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Union Bankshares shareholders could enjoy a 4.02% return on their shares, in the form of dividend payments. In Union Bankshares's case, that would currently equate to about $1.28 per share.
While Union Bankshares's payout ratio might seem fairly standard, it's worth remembering that Union Bankshares may be investing much of the rest of its net profits in future growth.
Union Bankshares's most recent dividend payout was on 4 February 2021. The latest dividend was paid out to all shareholders who bought their shares by 28 January 2021 (the "ex-dividend date").
Union Bankshares's shares were split on a 3:2 basis on 10 August 2003. So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your Union Bankshares shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for Union Bankshares shares which in turn could have impacted Union Bankshares's share price.
Over the last 12 months, Union Bankshares's shares have ranged in value from as little as $16.3569 up to $33.19. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Union Bankshares's is 1.0039. This would suggest that Union Bankshares's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).
Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. The company also provides commercial real estate loans; consumer loans; municipal loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; and residential real estate loans. In addition, it offers small business administration guaranteed, and residential construction and mortgage loans; online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services; debit cards; and telephone, Internet, and mobile banking services; home improvement loans and overdraft; and asset management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts.
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