Union Bankshares, Inc.
NASDAQ Global MarketTotal Valuation
Union Bankshares, Inc. carries a market capitalization of 116.92M, placing it among publicly traded companies globally. Its enterprise value stands at 194.05M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 116.92M |
| Enterprise Value | 194.05M |
Share Statistics
Union Bankshares, Inc. currently has 4.61M shares outstanding.
| Shares Outstanding | 4.61M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Union Bankshares, Inc. trades at a trailing price-to-earnings ratio of 9.61. The price-to-sales ratio is 2.05, and the price-to-book ratio stands at 1.03.
| PE Ratio | 9.61 |
| PS Ratio | 2.05 |
| PB Ratio | 1.03 |
| P/TBV Ratio | 1.38 |
| P/FCF Ratio | 6.51 |
| P/OCF Ratio | 7.04 |
Enterprise Valuation
On an enterprise value basis, Union Bankshares, Inc. trades at an EV/EBITDA multiple of 115.85 and an EV/FCF ratio of 11.36.
| EV / Sales | 3.58 |
| EV / EBITDA | 115.85 |
| EV / EBIT | N/A |
| EV / FCF | 11.36 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 406.25 |
| Debt / EBITDA | 195.40 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 11.01 |
| Return on Assets (ROA) | 0.74 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Union Bankshares, Inc. has paid 1.11M in income taxes, reflecting an effective tax rate of 8.72.
| Income Tax | 1.11M |
| Effective Tax Rate | 8.72 |
Stock Price Statistics
Union Bankshares, Inc.'s stock has declined approximately -8.35443% over the past 52 weeks. The 50-day moving average sits at 24.03, while the 200-day moving average is 24.01.
| Beta (5Y) | N/A |
| 52-Week Price Change | -8.35443% |
| 50-Day Moving Average | 24.03 |
| 200-Day Moving Average | 24.01 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Union Bankshares, Inc. generated 54.22M in revenue and converted that into 11.58M in net income, yielding earnings per share of 2.53.
| Revenue | 54.22M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 12.69M |
| Net Income | 11.58M |
| EBITDA | 1.68M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.53 |
Balance Sheet
Union Bankshares, Inc. holds 244.53M in cash and equivalents against 327.30M in total debt, resulting in a net debt position of 314.84M.
| Cash & Cash Equivalents | 244.53M |
| Total Debt | 327.30M |
| Net Debt | 314.84M |
| Equity (Book Value) | 107.76M |
| Book Value Per Share | 23.55 |
| Working Capital | N/A |
Cash Flow
Union Bankshares, Inc. produced 15.80M in operating cash flow over the past twelve months. After subtracting -1.29M in capital expenditures, free cash flow totaled 14.51M - equivalent to 3.17 per share.
| Operating Cash Flow | 15.80M |
| Capital Expenditures | -1.29M |
| Free Cash Flow | 14.51M |
| FCF Per Share | 3.17 |
Margins
Union Bankshares, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 23.40 |
| Profit Margin | 21.36 |
| EBITDA Margin | 3.09 |
Dividends & Yields
The company's payout ratio of 56.16 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.42 |
| Dividend Yield | N/A |
| Payout Ratio | 56.16 |
| Shareholder Yield | -74.95 |
| FCF Yield | 15.35 |
Stock Splits
Union Bankshares, Inc.'s most recent stock split took place on August 11, 2003 with a 2:3 split ratio.
| Last Split Date | 8/11/2003 |
| Split Ratio | 2:3 |
Scores
Union Bankshares, Inc. posts an Altman Z-Score of 0.16, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.16 |