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Union Bankshares, Inc. (UNB)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US9054001071

CUSIP

905400107

Sector

Financial Services

IPO Date

Jun 11, 1998

Highlights

Market Cap

$142.24M

EPS (TTM)

$1.92

PE Ratio

16.32

Total Revenue (TTM)

$52.38M

Gross Profit (TTM)

$52.38M

EBITDA (TTM)

$456.00K

Year Range

$20.21 - $37.28

Short %

0.70%

Short Ratio

2.68

Share Price Chart


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Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Union Bankshares, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


200.00%400.00%600.00%800.00%1,000.00%NovemberDecember2025FebruaryMarchApril
903.04%
253.16%
UNB (Union Bankshares, Inc.)
Benchmark (^GSPC)

Returns By Period

Union Bankshares, Inc. had a return of 9.63% year-to-date (YTD) and 22.09% in the last 12 months. Over the past 10 years, Union Bankshares, Inc. had an annualized return of 6.60%, while the S&P 500 had an annualized return of 9.68%, indicating that Union Bankshares, Inc. did not perform as well as the benchmark.


UNB

YTD

9.63%

1M

8.44%

6M

20.20%

1Y

22.09%

5Y*

9.33%

10Y*

6.60%

^GSPC (Benchmark)

YTD

-10.18%

1M

-5.91%

6M

-9.57%

1Y

5.19%

5Y*

12.98%

10Y*

9.68%

*Annualized

Monthly Returns

The table below presents the monthly returns of UNB, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
202511.59%-8.46%7.77%-0.41%9.63%
2024-1.06%1.27%0.49%-12.97%-14.85%-3.72%14.30%7.44%-0.27%13.17%18.70%-15.96%-0.67%
202311.01%-4.18%-12.30%1.35%-1.36%6.90%0.26%-2.92%-3.72%25.59%8.01%6.76%35.30%
20225.92%-1.41%0.93%-0.79%-6.52%-8.28%-2.27%1.15%-11.29%10.47%0.77%-3.38%-15.44%
20217.07%1.18%9.01%11.09%1.52%8.06%-10.27%3.11%-3.53%1.10%-2.32%-4.57%21.05%
2020-6.45%-10.83%-24.95%8.29%-18.44%-4.49%-1.41%6.66%4.70%3.96%27.33%-2.83%-25.20%
20190.44%-2.41%-2.73%-11.94%-16.68%12.42%-9.51%-17.32%15.01%6.31%2.23%6.71%-21.52%
20182.65%-5.09%-0.97%0.98%-0.49%2.27%2.41%-0.66%1.24%-10.14%-5.16%6.11%-7.67%
2017-8.05%-0.24%3.74%-1.41%-4.99%18.90%-7.11%-1.60%12.17%2.26%3.05%4.44%19.60%
2016-1.80%4.05%1.17%1.09%17.57%8.13%-3.34%-2.32%0.03%-2.28%33.03%3.53%68.86%
20156.36%0.04%1.20%7.82%-2.78%-0.46%0.57%1.73%0.04%3.34%2.98%1.13%23.75%
2014-2.67%5.83%-2.27%4.35%0.00%5.24%-0.66%0.33%-2.36%1.85%1.37%-2.98%7.76%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of UNB is 71, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of UNB is 7171
Overall Rank
The Sharpe Ratio Rank of UNB is 7474
Sharpe Ratio Rank
The Sortino Ratio Rank of UNB is 6868
Sortino Ratio Rank
The Omega Ratio Rank of UNB is 6666
Omega Ratio Rank
The Calmar Ratio Rank of UNB is 7474
Calmar Ratio Rank
The Martin Ratio Rank of UNB is 7171
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for Union Bankshares, Inc. (UNB) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


Sharpe ratio
The chart of Sharpe ratio for UNB, currently valued at 0.54, compared to the broader market-2.00-1.000.001.002.003.00
UNB: 0.54
^GSPC: 0.24
The chart of Sortino ratio for UNB, currently valued at 1.01, compared to the broader market-6.00-4.00-2.000.002.004.00
UNB: 1.01
^GSPC: 0.47
The chart of Omega ratio for UNB, currently valued at 1.13, compared to the broader market0.501.001.502.00
UNB: 1.13
^GSPC: 1.07
The chart of Calmar ratio for UNB, currently valued at 0.45, compared to the broader market0.001.002.003.004.00
UNB: 0.45
^GSPC: 0.24
The chart of Martin ratio for UNB, currently valued at 1.48, compared to the broader market-5.000.005.0010.0015.0020.00
UNB: 1.48
^GSPC: 1.08

The current Union Bankshares, Inc. Sharpe ratio is 0.54. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of Union Bankshares, Inc. with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio0.001.002.003.00NovemberDecember2025FebruaryMarchApril
0.54
0.24
UNB (Union Bankshares, Inc.)
Benchmark (^GSPC)

Dividends

Dividend History

Union Bankshares, Inc. provided a 4.59% dividend yield over the last twelve months, with an annual payout of $1.44 per share. The company has been increasing its dividends for 8 consecutive years.


2.00%3.00%4.00%5.00%6.00%$0.00$0.50$1.00$1.5020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$1.44$1.44$1.44$1.40$1.32$1.28$1.24$1.20$1.16$1.11$1.36$1.04

Dividend yield

4.59%4.98%4.70%5.83%4.43%4.98%3.42%2.51%2.19%2.44%4.86%4.38%

Monthly Dividends

The table displays the monthly dividend distributions for Union Bankshares, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.36$0.00$0.00$0.00$0.36
2024$0.36$0.00$0.00$0.36$0.00$0.00$0.36$0.00$0.00$0.36$0.00$0.00$1.44
2023$0.36$0.00$0.00$0.36$0.00$0.00$0.36$0.00$0.00$0.36$0.00$0.00$1.44
2022$0.35$0.00$0.00$0.35$0.00$0.00$0.35$0.00$0.00$0.35$0.00$0.00$1.40
2021$0.33$0.00$0.00$0.33$0.00$0.00$0.33$0.00$0.00$0.33$0.00$0.00$1.32
2020$0.32$0.00$0.00$0.32$0.00$0.00$0.32$0.00$0.00$0.32$0.00$0.00$1.28
2019$0.31$0.00$0.00$0.31$0.00$0.00$0.31$0.00$0.00$0.31$0.00$0.00$1.24
2018$0.30$0.00$0.00$0.30$0.00$0.00$0.30$0.00$0.00$0.30$0.00$0.00$1.20
2017$0.29$0.00$0.00$0.29$0.00$0.00$0.29$0.00$0.00$0.29$0.00$0.00$1.16
2016$0.27$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$1.11
2015$0.27$0.00$0.00$0.27$0.00$0.00$0.27$0.00$0.00$0.55$0.00$0.00$1.36
2014$0.26$0.00$0.00$0.26$0.00$0.00$0.26$0.00$0.00$0.26$0.00$0.00$1.04

Dividend Yield & Payout


Dividend Yield
5.0%10.0%15.0%20.0%25.0%
UNB: 4.6%
Union Bankshares, Inc. has a dividend yield of 4.59%, which is quite average when compared to the overall market.
Payout Ratio
200.0%400.0%600.0%800.0%1,000.0%
UNB: 74.7%
Union Bankshares, Inc. has a payout ratio of 74.69%, which is above the market average. This might signify the company's strong earnings or financial health. However, it could also hint at a more mature business phase with potentially slower growth.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


-35.00%-30.00%-25.00%-20.00%-15.00%-10.00%-5.00%0.00%NovemberDecember2025FebruaryMarchApril
-21.30%
-14.02%
UNB (Union Bankshares, Inc.)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the Union Bankshares, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Union Bankshares, Inc. was 66.38%, occurring on Jul 10, 2020. The portfolio has not yet recovered.

The current Union Bankshares, Inc. drawdown is 21.30%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-66.38%Dec 22, 2017639Jul 10, 2020
-36.97%Oct 1, 20031115Jun 17, 2009350May 13, 20111465
-17.52%Dec 6, 201630Jan 19, 2017108Jun 23, 2017138
-15.28%Jun 28, 201737Aug 21, 201726Sep 27, 201763
-14.33%Feb 12, 20039Feb 26, 200348Jun 3, 200357

Volatility

Volatility Chart

The current Union Bankshares, Inc. volatility is 14.66%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


0.00%5.00%10.00%15.00%NovemberDecember2025FebruaryMarchApril
14.66%
13.60%
UNB (Union Bankshares, Inc.)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Union Bankshares, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Union Bankshares, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio
20.040.060.080.0100.0
UNB: 16.3
The chart displays the Price-to-Earnings (P/E) ratio for UNB, comparing it with other companies in the Banks - Regional industry. Currently, UNB has a P/E ratio of 16.3. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
2.04.06.08.010.0
UNB: 0.0
The chart shows the Price/Earnings to Growth (PEG) ratio for UNB compared to other companies in the Banks - Regional industry. UNB currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
2.04.06.08.0
UNB: 3.0
This chart shows the Price-to-Sales (P/S) ratio for UNB relative to other companies in the Banks - Regional industry. Currently, UNB has a P/S ratio of 3.0. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
0.51.01.52.02.53.0
UNB: 2.1
The chart illustrates the Price-to-Book (P/B) ratio for UNB in comparison with other companies in the Banks - Regional industry. Currently, UNB has a P/B value of 2.1. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

Historical P/E Ratio Chart

The chart below displays the historical trend of the price-to-earnings (P/E) ratio for Union Bankshares, Inc..


Loading data...

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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The information contained herein does not constitute investment advice and made available for educational purposes only. Prices and returns on equities are listed without consideration of fees, commissions, taxes, penalties, or interest payable due to purchasing, holding, or selling.

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