Union Bankshares, Inc. (UNB)
Company Info
Highlights
$155.04M
$1.94
17.61
$73.08M
$52.38M
$3.12M
$20.01 - $36.90
1.40%
4.73
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Union Bankshares, Inc. (UNB) returned 13.08% year-to-date (YTD) and 38.78% over the past 12 months. Over the past 10 years, UNB returned 6.44% annually, underperforming the S&P 500 benchmark at 10.82%.
UNB
13.08%
3.15%
4.82%
38.78%
9.12%
18.34%
6.44%
^GSPC (Benchmark)
1.00%
12.45%
0.40%
11.91%
15.05%
15.04%
10.82%
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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 11.59% | -8.46% | 7.77% | 6.19% | -3.26% | 13.08% | |||||||
| 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% |
| 2023 | 11.01% | -4.18% | -12.30% | 1.35% | -1.36% | 6.90% | 0.26% | -2.92% | -3.72% | 25.59% | 8.01% | 6.76% | 35.30% |
| 2022 | 5.92% | -1.41% | 0.93% | -0.79% | -6.52% | -8.28% | -2.27% | 1.15% | -11.29% | 10.47% | 0.77% | -3.38% | -15.44% |
| 2021 | 7.07% | 1.18% | 9.01% | 11.09% | 1.51% | 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% |
| 2019 | 0.44% | -2.41% | -2.73% | -11.94% | -16.68% | 12.42% | -9.51% | -17.32% | 15.01% | 6.31% | 2.23% | 6.71% | -21.52% |
| 2018 | 2.65% | -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% |
| 2015 | 6.36% | 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
With an overall rank of 78, UNB is among the top 22% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
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.
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Dividends
Dividend History
Union Bankshares, Inc. provided a 4.50% 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.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 4.50% | 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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.36 | $0.00 | $0.00 | $0.36 | $0.00 | $0.72 | |||||||
| 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
Union Bankshares, Inc. has a dividend yield of 4.50%, which is quite average when compared to the overall market.
Payout Ratio
Union Bankshares, Inc. has a payout ratio of 103.20%, 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.
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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 18.83%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -66.38% | Dec 22, 2017 | 639 | Jul 10, 2020 | — | — | — |
| -36.97% | Oct 1, 2003 | 1115 | Jun 17, 2009 | 350 | May 13, 2011 | 1465 |
| -17.52% | Dec 6, 2016 | 30 | Jan 19, 2017 | 108 | Jun 23, 2017 | 138 |
| -15.28% | Jun 28, 2017 | 37 | Aug 21, 2017 | 26 | Sep 27, 2017 | 63 |
| -14.33% | Feb 12, 2003 | 9 | Feb 26, 2003 | 48 | Jun 3, 2003 | 57 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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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.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Union Bankshares, Inc., comparing actual results with analytics estimates. In the past quarter, the company did not meet analyst expectations for EPS, resulting in a surprise of -17.6%.
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
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 17.6. 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
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
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 3.2. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
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 2.2. 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.
Income Statement
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