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UNB Quote, Financials, Valuation and Earnings

Last price:
$28.19
Seasonality move :
-1.15%
Day range:
$25.90 - $30.25
52-week range:
$21.00 - $37.70
Dividend yield:
5.16%
P/E ratio:
14.31x
P/S ratio:
2.75x
P/B ratio:
1.75x
Volume:
21.6K
Avg. volume:
9.6K
1-year change:
-9.09%
Market cap:
$126.2M
Revenue:
$46.8M
EPS (TTM):
$1.95

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
-- -- -- -- --
BHB
Bar Harbor Bankshares
$33.8M $0.68 -10.43% 5.39% $28.25
EVBN
Evans Bancorp
$16.7M $0.40 -46.71% -74.05% --
FHN
First Horizon
$822.4M $0.38 5.55% 24.12% $21.80
MSBI
Midland States Bancorp
$73.1M $0.64 -5.08% -18.8% $28.13
SASR
Sandy Spring Bancorp
$102.4M $0.46 8.52% -16.67% $37.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UNB
Union Bankshares
$27.90 -- $126.2M 14.31x $0.36 5.16% 2.75x
BHB
Bar Harbor Bankshares
$31.25 $28.25 $477.1M 11.24x $0.30 3.78% 3.16x
EVBN
Evans Bancorp
$44.27 -- $245.3M 13.29x $0.66 2.98% 2.92x
FHN
First Horizon
$20.35 $21.80 $10.8B 14.75x $0.15 2.95% 3.54x
MSBI
Midland States Bancorp
$24.60 $28.13 $526.5M 10.70x $0.31 5.04% 1.80x
SASR
Sandy Spring Bancorp
$34.19 $37.00 $1.5B 17.99x $0.34 3.98% 3.91x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UNB
Union Bankshares
78.04% 0.715 219.02% --
BHB
Bar Harbor Bankshares
34.26% 0.992 50.9% 3.32x
EVBN
Evans Bancorp
46.15% 1.646 73.84% 48.21x
FHN
First Horizon
17.22% 1.054 20.89% 4.09x
MSBI
Midland States Bancorp
38.29% 1.356 86.15% 6.64x
SASR
Sandy Spring Bancorp
33.52% 1.635 58.02% 27.48x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UNB
Union Bankshares
-- -- 3.7% 13.97% 84.21% $1.1M
BHB
Bar Harbor Bankshares
-- -- 5.57% 9.79% 86.07% $22.4M
EVBN
Evans Bancorp
-- -- 5.39% 10.61% 97.21% $11.9M
FHN
First Horizon
-- -- 7.16% 8.71% 96.38% $383M
MSBI
Midland States Bancorp
-- -- 4.44% 7.57% 100.12% $31.1M
SASR
Sandy Spring Bancorp
-- -- 3.46% 5.38% 109.33% $28.1M

Union Bankshares vs. Competitors

  • Which has Higher Returns UNB or BHB?

    Bar Harbor Bankshares has a net margin of 12.44% compared to Union Bankshares's net margin of 31.58%. Union Bankshares's return on equity of 13.97% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares
    -- $0.29 $329.3M
    BHB
    Bar Harbor Bankshares
    -- $0.80 $699.6M
  • What do Analysts Say About UNB or BHB?

    Union Bankshares has a consensus price target of --, signalling downside risk potential of --. On the other hand Bar Harbor Bankshares has an analysts' consensus of $28.25 which suggests that it could grow by 12%. Given that Bar Harbor Bankshares has higher upside potential than Union Bankshares, analysts believe Bar Harbor Bankshares is more attractive than Union Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 1 0
  • Is UNB or BHB More Risky?

    Union Bankshares has a beta of 0.778, which suggesting that the stock is 22.235% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.695, suggesting its less volatile than the S&P 500 by 30.497%.

  • Which is a Better Dividend Stock UNB or BHB?

    Union Bankshares has a quarterly dividend of $0.36 per share corresponding to a yield of 5.16%. Bar Harbor Bankshares offers a yield of 3.78% to investors and pays a quarterly dividend of $0.30 per share. Union Bankshares pays 56.99% of its earnings as a dividend. Bar Harbor Bankshares pays out 36.94% 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 BHB?

    Union Bankshares quarterly revenues are $10.6M, which are smaller than Bar Harbor Bankshares quarterly revenues of $38.6M. Union Bankshares's net income of $1.3M is lower than Bar Harbor Bankshares's net income of $12.2M. Notably, Union Bankshares's price-to-earnings ratio is 14.31x while Bar Harbor Bankshares's PE ratio is 11.24x. 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 is 2.75x versus 3.16x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares
    2.75x 14.31x $10.6M $1.3M
    BHB
    Bar Harbor Bankshares
    3.16x 11.24x $38.6M $12.2M
  • Which has Higher Returns UNB or EVBN?

    Evans Bancorp has a net margin of 12.44% compared to Union Bankshares's net margin of 16.32%. Union Bankshares's return on equity of 13.97% beat Evans Bancorp's return on equity of 10.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares
    -- $0.29 $329.3M
    EVBN
    Evans Bancorp
    -- $0.53 $345.1M
  • What do Analysts Say About UNB or EVBN?

    Union Bankshares has a consensus price target of --, signalling downside risk potential of --. On the other hand Evans Bancorp has an analysts' consensus of -- which suggests that it could grow by 13.06%. Given that Evans Bancorp has higher upside potential than Union Bankshares, analysts believe Evans Bancorp is more attractive than Union Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares
    0 0 0
    EVBN
    Evans Bancorp
    0 0 0
  • Is UNB or EVBN More Risky?

    Union Bankshares has a beta of 0.778, which suggesting that the stock is 22.235% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.922, suggesting its less volatile than the S&P 500 by 7.751%.

  • Which is a Better Dividend Stock UNB or EVBN?

    Union Bankshares has a quarterly dividend of $0.36 per share corresponding to a yield of 5.16%. Evans Bancorp offers a yield of 2.98% to investors and pays a quarterly dividend of $0.66 per share. Union Bankshares pays 56.99% of its earnings as a dividend. Evans Bancorp pays out 29.45% 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 EVBN?

    Union Bankshares quarterly revenues are $10.6M, which are smaller than Evans Bancorp quarterly revenues of $18M. Union Bankshares's net income of $1.3M is lower than Evans Bancorp's net income of $2.9M. Notably, Union Bankshares's price-to-earnings ratio is 14.31x while Evans Bancorp's PE ratio is 13.29x. 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 is 2.75x versus 2.92x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares
    2.75x 14.31x $10.6M $1.3M
    EVBN
    Evans Bancorp
    2.92x 13.29x $18M $2.9M
  • Which has Higher Returns UNB or FHN?

    First Horizon has a net margin of 12.44% compared to Union Bankshares's net margin of 27.18%. Union Bankshares's return on equity of 13.97% beat First Horizon's return on equity of 8.71%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares
    -- $0.29 $329.3M
    FHN
    First Horizon
    -- $0.40 $11.2B
  • What do Analysts Say About UNB or FHN?

    Union Bankshares has a consensus price target of --, signalling downside risk potential of --. On the other hand First Horizon has an analysts' consensus of $21.80 which suggests that it could grow by 7.13%. Given that First Horizon has higher upside potential than Union Bankshares, analysts believe First Horizon is more attractive than Union Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares
    0 0 0
    FHN
    First Horizon
    6 6 0
  • Is UNB or FHN More Risky?

    Union Bankshares has a beta of 0.778, which suggesting that the stock is 22.235% less volatile than S&P 500. In comparison First Horizon has a beta of 0.915, suggesting its less volatile than the S&P 500 by 8.539%.

  • Which is a Better Dividend Stock UNB or FHN?

    Union Bankshares has a quarterly dividend of $0.36 per share corresponding to a yield of 5.16%. First Horizon offers a yield of 2.95% to investors and pays a quarterly dividend of $0.15 per share. Union Bankshares pays 56.99% of its earnings as a dividend. First Horizon pays out 40.91% 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 FHN?

    Union Bankshares quarterly revenues are $10.6M, which are smaller than First Horizon quarterly revenues of $802M. Union Bankshares's net income of $1.3M is lower than First Horizon's net income of $218M. Notably, Union Bankshares's price-to-earnings ratio is 14.31x while First Horizon's PE ratio is 14.75x. 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 is 2.75x versus 3.54x for First Horizon. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares
    2.75x 14.31x $10.6M $1.3M
    FHN
    First Horizon
    3.54x 14.75x $802M $218M
  • Which has Higher Returns UNB or MSBI?

    Midland States Bancorp has a net margin of 12.44% compared to Union Bankshares's net margin of 25.54%. Union Bankshares's return on equity of 13.97% beat Midland States Bancorp's return on equity of 7.57%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares
    -- $0.29 $329.3M
    MSBI
    Midland States Bancorp
    -- $0.74 $1.3B
  • What do Analysts Say About UNB or MSBI?

    Union Bankshares has a consensus price target of --, signalling downside risk potential of --. On the other hand Midland States Bancorp has an analysts' consensus of $28.13 which suggests that it could grow by 14.33%. Given that Midland States Bancorp has higher upside potential than Union Bankshares, analysts believe Midland States Bancorp is more attractive than Union Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares
    0 0 0
    MSBI
    Midland States Bancorp
    0 5 0
  • Is UNB or MSBI More Risky?

    Union Bankshares has a beta of 0.778, which suggesting that the stock is 22.235% less volatile than S&P 500. In comparison Midland States Bancorp has a beta of 0.748, suggesting its less volatile than the S&P 500 by 25.242%.

  • Which is a Better Dividend Stock UNB or MSBI?

    Union Bankshares has a quarterly dividend of $0.36 per share corresponding to a yield of 5.16%. Midland States Bancorp offers a yield of 5.04% to investors and pays a quarterly dividend of $0.31 per share. Union Bankshares pays 56.99% of its earnings as a dividend. Midland States Bancorp pays out 47.03% 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 MSBI?

    Union Bankshares quarterly revenues are $10.6M, which are smaller than Midland States Bancorp quarterly revenues of $72.4M. Union Bankshares's net income of $1.3M is lower than Midland States Bancorp's net income of $18.5M. Notably, Union Bankshares's price-to-earnings ratio is 14.31x while Midland States Bancorp's PE ratio is 10.70x. 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 is 2.75x versus 1.80x for Midland States Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares
    2.75x 14.31x $10.6M $1.3M
    MSBI
    Midland States Bancorp
    1.80x 10.70x $72.4M $18.5M
  • Which has Higher Returns UNB or SASR?

    Sandy Spring Bancorp has a net margin of 12.44% compared to Union Bankshares's net margin of 16.03%. Union Bankshares's return on equity of 13.97% beat Sandy Spring Bancorp's return on equity of 5.38%.

    Company Gross Margin Earnings Per Share Invested Capital
    UNB
    Union Bankshares
    -- $0.29 $329.3M
    SASR
    Sandy Spring Bancorp
    -- $0.36 $2.5B
  • What do Analysts Say About UNB or SASR?

    Union Bankshares has a consensus price target of --, signalling downside risk potential of --. On the other hand Sandy Spring Bancorp has an analysts' consensus of $37.00 which suggests that it could grow by 8.22%. Given that Sandy Spring Bancorp has higher upside potential than Union Bankshares, analysts believe Sandy Spring Bancorp is more attractive than Union Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UNB
    Union Bankshares
    0 0 0
    SASR
    Sandy Spring Bancorp
    0 3 0
  • Is UNB or SASR More Risky?

    Union Bankshares has a beta of 0.778, which suggesting that the stock is 22.235% less volatile than S&P 500. In comparison Sandy Spring Bancorp has a beta of 0.966, suggesting its less volatile than the S&P 500 by 3.443%.

  • Which is a Better Dividend Stock UNB or SASR?

    Union Bankshares has a quarterly dividend of $0.36 per share corresponding to a yield of 5.16%. Sandy Spring Bancorp offers a yield of 3.98% to investors and pays a quarterly dividend of $0.34 per share. Union Bankshares pays 56.99% of its earnings as a dividend. Sandy Spring Bancorp pays out 49.79% 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 SASR?

    Union Bankshares quarterly revenues are $10.6M, which are smaller than Sandy Spring Bancorp quarterly revenues of $101.1M. Union Bankshares's net income of $1.3M is lower than Sandy Spring Bancorp's net income of $16.2M. Notably, Union Bankshares's price-to-earnings ratio is 14.31x while Sandy Spring Bancorp's PE ratio is 17.99x. 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 is 2.75x versus 3.91x for Sandy Spring Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UNB
    Union Bankshares
    2.75x 14.31x $10.6M $1.3M
    SASR
    Sandy Spring Bancorp
    3.91x 17.99x $101.1M $16.2M

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