Union Bankshares, Inc.

NASDAQ
UNB
Stock
Yield per half year: -12.71%
Dividend yield: 4.98%
Sector: Financials

Reporting Union Bankshares, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
0.1055 0.1147 0.1472 0.2005 0.2215 0.1691 0.106 0.1402 0.1237 0.1087 0.1295 -8.46
Выручка, млрд $
0.0349 0.0362 0.0381 0.0407 0.0476 0.0487 0.0484 0.0482 0.0472 0.0472 0.0480 -0.17
Чистая прибыль, млрд $
0.0085 0.0084 0.0071 0.0106 0.0128 0.0132 0.0126 0.0113 0.0088 0.0088 0.0117 -7.22
EV, млрд $
0.165 0.2202 0.2298 0.1926 0.1046 0.1328 0.15 0.2021 0.3909 0.3909 0.1961 30.17
EBIT, млрд $
0.0121 0.0126 0.0143 0.0118 0.0125 0.0152 0.0158 0.0152 0.0129 0.0204 0.0143 0.63
EBITDA, млрд $
0.0133 0.014 0.0157 0.0132 0.0142 0.0173 0.0177 0.017 0.0145 0.0016 0.0161 0.42
OIBDA, млрд $
0.0197 0.0204 0.0248 0.0255 0.0226 6.66
Баланс стоимость, млрд $
0.0561 0.0588 0.0645 0.0718 0.0809 0.0843 0.0552 0.0658 0.0665 0.0665 0.0705 -3.84
FCF, млрд $
0.0057 0.0079 0.0137 0.0054 -0.0081 0.0257 0.0284 0.0072 0.0111 0.0111 0.0129 -206.50
Операционный денежный поток, млрд $
0.0076 0.0099 0.0168 0.0118 -0.0071 0.0292 0.029 0.0092 0.0122 0.0122 0.0145 -211.43
Операционная прибыль, млрд $
0.0126 0.0143 0.0083 0.0125 0.0152 0.0158 0.0204 0.0222 0.0196 0.0196 0.0186 5.22
Операционные расходы, млрд $
-0.0223 -0.0219 0.033 0.034 0.0302 0.0329 0.005 0.026 0.0276 0.0276 0.0243 -1.78
CAPEX, млрд $
0.0019 0.002 0.0031 0.0064 0.001 0.0035 0.000665 0.0019 0.0011 0.0011 0.0016 1.92


Balance sheet

IFRS
Reporting Annual Quarterly
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
0.0138 0.0132 0.0133 0.012 0.0181 0.0179 0.0209 0.0155 0.0146 0.0146 0.0174 -4.21
Short Term Investments $
0.0656 0.0654 0.0734 0.0874 0.1058 0.2678 0.2503 0.3116 0.0012 0.0012 0.1873 -59.17
Long term investments $
0.4936 0.5067 0.0693 0.0696 0.078 0.6726 0.1068 0.269 0.2515 0.2659 0.3132 -16.94
Total Receivables $
0.0184 0.0243 0.0261 0.0272 0.0028 0.0336 0.0368 0.0424 0.0577 0.0577 0.0347 83.15
Total Current Assets $
0.1054 0.1059 0.7086 0.133 0.1606 0.3281 0.2712 0.0777 0.0158 0.0158 0.1707 -37.11
Чистые активы, млрд $
0.0119 0.0131 0.0135 0.0143 0.0161 0.0209 0.0218 0.0216 0.0205 0.0205 0.0202 4.95
Активы, млрд $
0.6915 0.7457 0.8053 0.8729 1.09 1.21 1.34 1.47 1.53 1.53 1.33 7.02
Short Term Debt $
0.0096 0.0011 0.0014 0.0278 0.0472 0.0072 0.000132 0.0502 0.0102 0.0102 0.0230 -26.39
Long Term Debt $
0.0305 0.0316 0.0278 0.0472 0.0072 0.0162 0.0162 0.0819 0.276 0.276 0.0795 107.36
Задолженность, млрд $
0.6354 0.6869 0.7408 0.8011 1.01 1.12 1.28 1.4 1.46 1.46 1.25 7.65
Чистый долг, млрд $
0.0178 0.0184 0.0145 0.0352 -0.0109 -0.0017 0.0453 0.0628 0.2613 0.2613 0.0714 -288.77
Долг, млрд $
0.0316 0.0329 0.0278 0.0472 0.0072 0.0162 0.0664 0.0819 0.276 0.276 0.0895 107.36
Interest income $
0.0251 0.0267 0.0289 0.032 0.0357 0.0368 0.0393 0.0439 0.0539 0.0419 8.59
Расходы на обслуживание долга $
0.0021 0.0023 0.0036 0.0056 0.0051 0.0036 0.0045 0.0193 0.0296 0.0296 0.0124 42.15
Чист. проц. доходы, млрд $
0.0231 0.0247 0.0266 0.032 0.0357 0.0368 0.0393 0.0439 0.0539 0.0539 0.0419 8.59
Goodwill $
0.0022 0.0022 0.0022 0.0022 0.0022 0.0022 0.0022 0.0022 0.0022 1.27 0.2558 256.68
Амортизация, млрд $
0.0014 0.0014 0.0014 0.0017 0.0021 0.0019 0.0018 0.0016 0.0016 0.0016 0.0018 -5.29
Себестоимость, млрд $
0.0046 0.0047 0.004 0.0028 0.0025 0.0026 0.0022 0.0025 -0.0188 0.000275 -0.0018 -249.71
Товарно материальные запасы $
-0.0192 -0.0177 -0.0165 -0.0225 -0.051 -0.0504 0.0253 0.0604 0.1396 0.0824 0.0515 -210.33


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 1.95 1.99 1.58 2.38 2.85 2.92 2.79 2.48 1.94 1.94 2.60 -7.40
Цена акции ао 44.86 50.8 37.38 23.75 31.55 24.01 30.65 28.91 28.15 28.15 28.65 -2.25
Число акций ао, млн 4.42 4.47 4.48 4.48 4.49 4.51 4.51 4.54 4.52 4.52 4.51 0.13
FCF/акцию 1.29 1.76 3.06 1.2 -1.8 5.7 6.28 1.6 2.45 2.45 2.85 -206.36


Efficiency

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 15.17 14.36 11.48 15.62 16.77 15.94 18.08 18.6 13.25 13.25 -47.34 16.53 -4.60
ROA, % 1.23 1.13 0.9118 1.27 1.3 1.15 0.9926 0.8026 0.5846 0.5846 10.67 0.9660 -14.77
ROIC, % 16.43 17.46 15.34 14.82 13.38 13.55 20.93 18.93 15.65 11.98 6.57 16.21 -2.43
ROS, % 23.37 18.58 26.16 26.9 27.06 26.06 23.33 18.58 18.58 18.58 26.44 22.72 -7.24
ROCE, % 22.47 24.32 16.74 1.45 1.41 1.32 1.15 0.8777 30.69 30.69 -44.45 7.09 85.16
Ebit margin, % 30.65 31.98 32.5 31.49 26.69 43.26 43.26 33.18 6.23
Рентаб EBITDA, % 40.19 43.42 34.74 34.92 36.31 36.39 35.22 30.09 3.48 3.48 37.71 28.30 -37.44
Чистая рентаб, % 24.38 23.37 18.58 26.16 26.9 27.06 26.06 23.33 18.58 18.58 26.43 24.39 -7.13
Operation Margin, % 39.57 31.1 30.65 31.98 32.5 42.14 46.05 41.51 41.51 41.51 31.91 40.74 5.02
Доходность FCF, % 0.0322 9.45 3.88 3.93 6.18 3.17 -7.61 18.31 22.93 7.33 8.83 18.25


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
17.3 23.73 30.44 14.78 9.02 10.21 8.3 12.37 14.78 14.78 25.86 10.94 10.38
P/BV
2.62 3.41 3.34 2.19 1.43 1.59 1.9 2.12 1.95 1.95 -12.42 1.80 6.40
P/S
4.22 5.55 5.65 3.87 2.43 2.76 2.16 2.89 2.75 2.75 6.65 2.60 2.51
P/FCF
25.44 16.18 31.55 -13.14 5.46 4.36 0 0 0 0 19.22 8.88 -23.07
E/P
0.0421 0.0319 0.063 0.1208 0.0939 0.102 0.1035 0 0 0 0.05 0.0966 10.44
EV/EBIT
15.43 6.87 8.4 9.84 15.69 10.03 19.16 19.16 12.62 17.93
EV/EBITDA
8.77 11.76 14.03 17.37 13.55 6.05 7.5 8.8 13.92 124.88 18.74 9.96 0.54
EV/S
6.09 6.21 5.02 2 2.85 3.1 4.19 8.29 8.29 8.29 6.87 5.34 23.81
EV/FCF
27.94 17.26 38.15 -11.82 5.4 5.29 27.89 35.28 35.28 35.28 24.55 21.83 45.55
Debt/EBITDA
2.1 2.1 3.32 0.4144 0.913 3.89 5.64 56.22 168.38 168.38 2.09 47.01 183.90
Netdebt/Ebitda
1.17 1.09 2.48 -0.6333 -0.0951 2.66 4.33 39.92 159.45 159.45 0.97 41.25 -541.46
Debt/Ratio
0.0442 0.035 0.0542 0.0069 0.0135 0.0497 0.0558 0.1806 0.1806 0.1806 0.40 0.0960 67.99
Debt/Equity
0.5601 0.4371 0.659 0.0928 0.1933 1.2 1.25 4.15 21.99 21.99 -1.48 5.76 157.75
Debt/Net Income
3.9 3.99 4.45 0.5858 1.24 5.26 7.28 31.5 31.5 31.5 3.28 15.36 90.98
PEG
-10.48 -10.48 -10.4800 0.00
Бета
1.59 0.2997 -0.8205 -0.8205 0.17 0.3564 -180.21
Индекс Альтмана
0.922 1.11 0.7066 -0.9648 -7.46 0.4867 0.3534 0.2763 0.1233 0.1233 42.85 -1.2441 -144.02


Dividends

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0046 0.0048 0.0049 0.0053 0.0055 0.0057 0.0059 0.0062 0.0064 0.0064 0.0061 2.34
Дивиденд
1.16 1.2 1.24 1.28 1.32 1.41 1.44 1.44 0.36 1.44 1.19 -22.88
Див доход, ао, %
2.3 2.67 3.65 4.81 4.26 5.45 4.84 4.51 4.31 4.98 2.00 4.67 0.23
Дивиденды / прибыль, %
58.03 60.97 75.34 51.66 44.43 44.62 49.43 56.99 73.55 73.55 56.58 53.80 10.61


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Выручка, %
2.12 7.21 1.37 4.03 2.27 2.27 1.38
Персонал, чел
188 0.00