UNB Stock Forecast, Price Targets, Chart, Dividends & Analysis
Union Bankshares Inc.
UNB 
NSD
Sector: Financial Services
Industry: Banks - Regional - US
31.04
USD
-0.29
(-0.94%)
Previous close: 31.33 Open: 31.02 Bid: 12.56 Ask: 31.98
52 week range
21.00 32.00
Mkt Cap: 141 M Avg Vol (90 Days): 6,152
Last updated: Friday 22nd November 2024
Metrics
Valuation
Price per Sales TTM ($) | 3.11 |
Price per Book TTM ($) | 1.94 |
PE Ratio (TTM) | 15.92 |
Book Value per Share ($) | 14.16 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | 0.57% | |
1 Month Return | 14.73% | |
3 Month Return | 25.20% | |
1 Year Return | 16.72% | |
3 Year Return | 16.24% | |
5 Year Return | 15.86% | |
YTD Return | 1.26% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 67.40 |
14 Day SMA ($) | 30.27 |
14 Day EMA ($) | 30.36 |
Money Flow Index | 19.22 |
Average True Range | 0.86 |
50 Day SMA ($) | 27.86 |
200 Day SMA ($) | 26.51 |
ADX | 0.00 |
MACD | -0.64 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Profitability
Financials
UNB Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Amortization of intangibles | -171000.0 | -171000.0 | -171000.0 | -171000.0 | -171000.0 | -171000.0 | 171000.0 | 71000.0 | ||
| Basic EPS from continuing operations | 1.73 | 1.77 | 1.91 | 1.89 | 1.58 | 2.38 | 2.86 | 2.94 | 2.81 | 2.5 |
| Basic EPS total | 1.73 | 1.77 | 1.91 | 1.89 | 1.58 | 2.38 | 2.86 | 2.94 | 2.81 | 2.5 |
| Basic weighted shares outstanding | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 4 M | 5 M |
| CreditLossesProvision | 345000.0 | 550000.0 | 150000.0 | 200000.0 | 450000.0 | 775000.0 | 2 M | 499000.0 | ||
| Depreciation | 2 M | 2 M | 2 M | 2 M | ||||||
| Depreciation unreconciled | -976000.0 | -1 M | -1 M | -1 M | -1 M | -2 M | ||||
| DepreciationAndAmortization | -976000.0 | -1 M | -1 M | -1 M | -1 M | -2 M | 2 M | 2 M | 2 M | 2 M |
| Diluted EPS total | 2.85 | 2.92 | 2.79 | 2.48 | ||||||
| Diluted normalized net income/share | 2.85 | 2.92 | 2.79 | 2.48 | ||||||
| Diluted weighted shares outstanding | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 18508.0 | 25157.0 | 5 M | 5 M |
| DividendIncome | 68000.0 | 43000.0 | 95000.0 | 167000.0 | 133000.0 | 143000.0 | 97000.0 | 18000.0 | 28000.0 | 263000.0 |
| Dividends paid per share | 1.04 | 1.08 | 1.11 | 1.16 | 1.2 | 1.24 | 1.28 | 1.32 | 1.4 | 1.44 |
| EarningLossOfEquityInvestments | -21000.0 | -60000.0 | 189000.0 | |||||||
| Equipment | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 3 M | 4 M | 4 M |
| FeesAndCommissions | 1 M | 772000.0 | 808000.0 | 756000.0 | 10000.0 | 157000.0 | 251000.0 | -21000.0 | -29000.0 | 189000.0 |
| GeneralAndAdministrativeExpense | 7 M | 7 M | 7 M | 6 M | 7 M | 7 M | 443000.0 | 644000.0 | 622000.0 | 998000.0 |
| Income before tax | 10 M | 10 M | 11 M | 12 M | 8 M | 12 M | 15 M | 16 M | 15 M | 12 M |
| Income taxes | 2 M | 2 M | 3 M | 4 M | 1 M | 2 M | 2 M | 3 M | 3 M | 2 M |
| InsuranceAndClaims | 7 M | 7 M | 7 M | 6 M | 7 M | 7 M | 443000.0 | 644000.0 | 622000.0 | 998000.0 |
| Interest expense | -2 M | -2 M | -2 M | -2 M | -4 M | -6 M | 5 M | 4 M | 5 M | 19 M |
| InterestExpenseForCapitalizedLeaseObligations | -215000.0 | |||||||||
| InterestExpenseForDeposit | 2 M | 2 M | 2 M | 2 M | 3 M | 5 M | 5 M | 3 M | 4 M | 16 M |
| InterestExpenseForLongTermDebt | 404000.0 | 334000.0 | 431000.0 | 472000.0 | 649000.0 | 859000.0 | 369000.0 | 418000.0 | 569000.0 | 2 M |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 404000.0 | 334000.0 | 431000.0 | 472000.0 | 649000.0 | 859000.0 | 369000.0 | 418000.0 | 569000.0 | 2 M |
| InterestExpenseForShortTermDebt | 5000.0 | 9000.0 | 8000.0 | 12000.0 | 61000.0 | 16000.0 | 2000.0 | 433000.0 | 1 M | |
| InterestIncome | 25 M | 25 M | 27 M | 29 M | 32 M | 36 M | 37 M | 39 M | 44 M | 57 M |
| InterestIncomeAfterProvisionForLoanLoss | 22 M | 22 M | 24 M | 26 M | 28 M | 29 M | 29 M | 36 M | 39 M | 37 M |
| InterestIncomeFromDeposits | 160000.0 | 169000.0 | 160000.0 | 147000.0 | 207000.0 | 195000.0 | 162000.0 | 139000.0 | 187000.0 | 401000.0 |
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 24000.0 | 15000.0 | 51000.0 | 114000.0 | 104000.0 | 190000.0 | 92000.0 | 100000.0 | 245000.0 | 630000.0 |
| InterestIncomeFromInvestmentSecurities | 1 M | 1 M | 1 M | 2 M | 2 M | 2 M | 2 M | 3 M | 5 M | 7 M |
| InterestIncomeFromLeases | 224000.0 | 227000.0 | 220000.0 | 194000.0 | 225000.0 | 232000.0 | ||||
| InterestIncomeFromLoans | 23 M | 24 M | 25 M | 27 M | 30 M | 33 M | 34 M | 36 M | 38 M | 49 M |
| InterestIncomeFromLoansAndLease | 23 M | 24 M | 25 M | 27 M | 30 M | 33 M | 34 M | 36 M | 38 M | 49 M |
| InterestIncomeFromSecurities | 1 M | 1 M | 1 M | 2 M | 2 M | 2 M | 2 M | 3 M | 5 M | 7 M |
| MarketingExpense | -305000.0 | -456000.0 | -507000.0 | -469000.0 | -456000.0 | -555000.0 | 544000.0 | 530000.0 | 617000.0 | 659000.0 |
| Net income from total operations | 8 M | 8 M | 9 M | 8 M | 7 M | 11 M | 13 M | 13 M | 13 M | 11 M |
| NetIncomeCommonStockholders | 8 M | 8 M | 9 M | 8 M | 7 M | 11 M | 13 M | 13 M | 13 M | 11 M |
| NetIncomeContinuousOperations | 8 M | 8 M | 9 M | 8 M | 7 M | 11 M | 13 M | 13 M | 13 M | 11 M |
| NetInterestIncome | 22 M | 23 M | 25 M | 27 M | 28 M | 29 M | 32 M | 36 M | 39 M | 38 M |
| NetOccupancyExpense | 1 M | 1 M | 1 M | 1 M | 1 M | 2 M | 2 M | 2 M | 2 M | 2 M |
| NonInterestExpense | -22 M | -22 M | -24 M | -24 M | -29 M | -27 M | 30 M | 33 M | 34 M | 35 M |
| NonInterestIncome | 9 M | 10 M | 10 M | 9 M | 9 M | 10 M | 16 M | 13 M | 9 M | 10 M |
| Normalized income | 10 M | |||||||||
| OccupancyAndEquipment | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 5 M | 5 M | 6 M | 6 M |
| Other special charges | -180000.0 | -215000.0 | -8 M | -8 M | 206000.0 | 259000.0 | ||||
| OtherGandA | 7 M | 7 M | 7 M | 6 M | 7 M | 7 M | 443000.0 | 644000.0 | 622000.0 | 998000.0 |
| OtherInterestExpense | -2 M | -2 M | -2 M | -2 M | -4 M | -6 M | -32 M | -36 M | -39 M | -38 M |
| OtherNonInterestExpense | -22 M | -22 M | -24 M | -24 M | -29 M | -27 M | 8 M | 8 M | 9 M | 10 M |
| OtherNonInterestIncome | 6 M | 6 M | 6 M | 6 M | 8 M | 7 M | 8 M | 8 M | 8 M | 9 M |
| ProfessionalExpenseAndContractServicesExpense | -617000.0 | -641000.0 | -731000.0 | -573000.0 | -625000.0 | -701000.0 | 774000.0 | 922000.0 | 877000.0 | 1 M |
| RentAndLandingFees | -123000.0 | -138000.0 | -144000.0 | -148000.0 | -180000.0 | |||||
| Revenue per share | -699000.0 | -841000.0 | -891000.0 | -887000.0 | -891000.0 | -983000.0 | 171000.0 | 1 M | 1 M | 1 M |
| SalariesAndWages | 12 M | 12 M | 14 M | 14 M | 19 M | 16 M | 18 M | 19 M | 19 M | 20 M |
| SecuritiesActivities | 315000.0 | 53000.0 | 71000.0 | 17000.0 | 10000.0 | 157000.0 | 251000.0 | -21000.0 | -29000.0 | 189000.0 |
| Selling Gen & administrative expense | 19 M | 19 M | 20 M | 20 M | 26 M | 23 M | 18 M | 19 M | 19 M | 20 M |
| SellingAndMarketingExpense | -785000.0 | -761000.0 | -507000.0 | -469000.0 | -456000.0 | -555000.0 | 544000.0 | 530000.0 | 617000.0 | 659000.0 |
| ServiceChargeOnDepositorAccounts | 726000.0 | 719000.0 | 737000.0 | 739000.0 | 751000.0 | |||||
| Special income/charges | 22 M | 22 M | 24 M | 24 M | 29 M | 28 M | -8 M | -8 M | -9 M | -10 M |
| Total common shares outstanding | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 5 M |
| Total net income | 8 M | 8 M | 9 M | 8 M | 7 M | 11 M | 13 M | 13 M | 13 M | 11 M |
| Total ordinary shares | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Total revenues | 31 M | 32 M | 35 M | 36 M | 38 M | 40 M | 48 M | 49 M | 49 M | 48 M |
| TotalRevenue | 31 M | 32 M | 35 M | 36 M | 38 M | 40 M | 48 M | 49 M | 49 M | 48 M |
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