Union Bankshares, Inc. Key Metrics

2 years of history · ending 2025-12-31 · SEC EDGAR

Per Share Metrics

Expense Ratios

Working Capital Analysis

Valuation Multiples

Cash-Flow Multiples

Enterprise Value Multiples

52-Week Range

Trailing Returns

Yields

Capital Deployment Yields

Earnings Quality (OCF/NI · FCF/NI · Sloan Accruals)

EPS (Diluted)
$2
Book Value Per Share
$18
Free Cash Flow Per Share
$3
Revenue Per Share
$17
OCF Per Share
$4
Return on Equity
15.0%
Return on Assets
0.7%
Asset Turnover
0.05
SBC / Revenue
0.7%
Capex / Revenue
1.7%
Invested Capital
$81M
OCF / Net Income
1.55
FCF / Net Income
1.44
Accruals Ratio (Sloan)
-0.4%
Cash Coverage
Dividend Coverage
2.63
Capex Coverage
13.75
Tangible Common Equity
$81M
TCE / Total Assets
5.0%
Goodwill / Total Assets
Cash ROIC
21.7%
Total Payout Ratio
59.2%
Asset Growth vs Revenue Growth
-5.7%
Revenue 5Y CAGR
15.6%
EPS 5Y CAGR
-2.9%
FCF 5Y CAGR
16.2%
EBITDA 5Y CAGR
Book Value 5Y CAGR
-0.0%
Stock Price (FY-end)
$23
Market Cap
$106M
P/E Ratio
9.55
P/S Ratio
1.40
P/B Ratio
1.31
P/TB Ratio
1.31
P/OCF Ratio
6.14
P/FCF Ratio
6.63
Enterprise Value
$106M
EV / EBITDA
EV / Sales
1.40
EV / FCF
6.63
FCF Yield
15.1%
Dividend Yield
6.2%
Shareholder Yield
5.7%
Buyback Yield
0.0%
Capex Yield
1.2%
Dividend Per Share
$1
DPS YoY Growth
-0.2%
Graham Number
$31
Shares Variation (YoY)
0.8%
Beta (5Y)
0.34
Cost of Equity
6.2%
52W High
$34
52W Low
$21
Trailing Return 1Y
-12.9%
Trailing Return 5Y
19.0%

Earnings Forecasts

Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).

Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.

Stock Price on Earnings Dates

Union Bankshares, Inc. — Effective Tax Rate ReconciliationNEW

Bridges from the federal statutory rate (21% post-TCJA) to the effective tax rate via the issuer's tax-note reconciliation lines. Sourced from EffectiveIncomeTaxRateReconciliation* flat CompanyFacts concepts. Conditional lines (R&D credits, FDII, SBC, valuation allowance, etc.) only render when the issuer discloses them. Persistent divergence between accrual tax expense and cash taxes paid is a leading signal for deferred-tax buildup.

Effective Rate Trend

Reconciliation LineFY2024FY2025
Federal Statutory Rate21.00%21.00%
State & Local Income Taxes-0.46%0.35%
Foreign Rate Differential
Other Adjustments-0.16%0.01%
Effective Tax Rate4.04%7.73%

Cash vs Accrual

ItemFY2024FY2025
Income Tax Expense (Accrual)$369.0K$928.0K
Income Taxes Paid (Cash)$280.0K

Union Bankshares, Inc. — Litigation CasesNEW

Per-case litigation disclosures sourced from us-gaap:LossContingenciesByNatureOfContingencyAxis dimensional XBRL. Coverage is sparse — most filers aggregate at the parent level (JNJ talc, PFE opioid) — but high-value when per-case disclosure exists. Loss estimate is either a single point or a low/high range, depending on how the issuer values the contingency.

As of 2025-12-31

CaseEstimated LossDamages SoughtSettlement
Credit Enhancement Obligation$1M