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Market Price

46.18 

0.17 0.4%

as of Dec 17 '18

52 Week Range:

41.40 55.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking services in northern Vermont and New Hampshire. It offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, health savings, and individual retirement accounts, as well as certificates of deposit. The company also provides and commercial real estate loans; consumer loans; and municipal loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; and residential real estate loans. In addition, it offers small business administration guaranteed, and residential construction and mortgage loans; online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, and night depository services; merchant credit card services; remote deposit capture services; and online mortgage application services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM services and cards; debit cards; and telephone, Internet, and mobile banking services; home improvement loans and overdraft checking facility against preauthorized lines of credit; customer repurchase agreement sweeps; and asset management, fiduciary, and trust services. The company offers retail banking services to individuals; and commercial banking services to small and medium sized corporations, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. The company operates 17 banking offices, 3 loan centers, and various ATMs. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 9.37
8.76
9.23
9.36
9.56
10.11
10.47
11.81
12.07
12.73
13.35
growth rate -6.5% 5.4% 1.4% 2.1% 5.8% 3.6% 12.8% 2.2% 5.5% 4.9%
Earnings BIT 7.62
6.13
6.65
7.29
6.34
8.51
9.00
10.08
10.88
11.55
12.54
growth rate -19.6% 8.5% 9.6% -13.0% 34.2% 5.8% 12.0% 8.0% 6.1% 8.6%
Avg.PE 16.29
14.68
14.49
14.51
16.26
12.72
14.37
14.48
16.30
23.85
27.50
growth rate -9.9% -1.3% 0.1% 12.1% -21.8% 13.0% 0.8% 12.6% 46.3% 15.3%
ROA 1.46
1.23
1.18
1.24
1.04
1.21
1.23
1.27
1.26
1.29
1.18
growth rate -15.8% -4.1% 5.1% -16.1% 16.4% 1.7% 3.3% -0.8% 2.4% -8.5%
ROE 13.47
12.57
13.01
13.48
12.72
16.03
15.04
15.20
15.01
15.50
14.70
growth rate -6.7% 3.5% 3.6% -5.6% 26.0% -6.2% 1.1% -1.3% 3.3% -5.2%
ROIC 19.78
17.20
13.54
12.24
12.05
14.66
14.67
14.52
growth rate -13.0% -21.3% -9.6% -1.6% 21.7% 0.1% -1.0%
Leverage 9.35
11.24
10.87
10.88
13.70
12.81
11.75
12.13
11.74
12.28
12.71
growth rate 20.2% -3.3% 0.1% 25.9% -6.5% -8.3% 3.2% -3.2% 4.6% 3.5%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 1.81
1.54
1.66
1.85
1.83
2.26
2.50
growth rate -15.0% 8.1% 11.5% -1.2% 23.3% 10.7%
Acct.Payable 4.28
6.47
4.05
552.06
560.41
597.66
647.57
growth rate 51.2% -37.4% 13,521.1% 1.5% 6.7% 8.4%
Cur.Assets 66.89
38.18
58.84
58.34
growth rate -42.9% 54.1% -0.9%
Total Assets 393.26
440.10
447.50
453.00
552.75
577.26
585.44
624.06
628.88
691.38
745.83
growth rate 11.9% 1.7% 1.2% 22.0% 4.4% 1.4% 6.6% 0.8% 9.9% 7.9%
Cash 19.60
27.90
19.50
95.36
94.56
93.82
41.01
17.24
38.38
37.11
growth rate 42.4% -30.1% 389.0% -0.8% -0.8% -56.3% -58.0% 122.7% -3.3%
Inventory 0.30
0.04
growth rate -50.5%
Cur.Liabilities 554.29
562.34
598.85
668.80
growth rate 1.5% 6.5% 11.7%
Liabilities 351.19
401.00
406.30
411.30
512.41
532.21
535.62
572.63
575.31
635.10
687.17
growth rate 14.2% 1.3% 1.2% 24.6% 3.9% 0.6% 6.9% 0.5% 10.4% 8.2%
LT Debt 0.00
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
13.20
7.90
30.50
10.45
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -99.3% -40.2% 286.1% -65.7%
Equity 42.07
39.20
41.20
41.70
40.34
45.05
49.82
51.43
53.57
56.28
58.66
growth rate -6.8% 5.1% 1.2% -3.3% 11.7% 10.6% 3.2% 4.2% 5.1% 4.2%
Common Shares 5.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
4.00
growth rate -20.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 1.17
0.90
0.90
0.90
1.50
2.02
1.29
2.17
2.29
1.94
1.99
growth rate -23.1% 0.0% 0.0% 66.3% 34.8% -36.0% 68.1% 5.5% -15.3% 2.5%
Cash Dividends 5.07
5.00
4.60
4.50
4.46
4.46
4.50
4.64
4.82
4.94
5.15
growth rate -1.4% -8.0% -2.2% -1.0% 0.0% 1.0% 3.0% 3.9% 2.6% 4.3%
Cash From OA 2.90
12.70
-2.86
11.30
7.36
3.47
17.82
2.20
13.13
7.64
9.87
growth rate 337.9% -100.0% 100.0% -34.9% -52.8% 413.2% -87.6% 495.7% -41.8% 29.1%
FCF per Share 0.40
2.42
-0.84
2.32
0.37
0.33
4.44
1.30
1.06
1.20
2.95
growth rate 505.0% -100.0% 100.0% -84.1% -10.8% 1,245.5% -70.7% -18.5% 13.2% 145.8%
Sale Purchase of Stock 0.03
-0.02
0.04
0.04
0.05
0.06
0.02
growth rate -100.0% 100.0% -7.1% 35.9% 5.7% -66.1%
FCF 2.00
11.00
-4.00
10.00
6.00
1.00
17.00
6.00
11.00
6.00
8.00
growth rate 450.0% -100.0% 100.0% -40.0% -83.3% 1,600.0% -64.7% 83.3% -45.5% 33.3%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 22.29
21.90
23.40
24.40
30.79
35.55
32.99
31.26
32.36
34.69
35.96
growth rate -1.8% 6.9% 4.3% 26.2% 15.5% -7.2% -5.2% 3.5% 7.2% 3.7%
Op.Income 6.10
6.60
7.30
5.22
6.84
7.14
10.72
11.03
11.60
12.68
growth rate 8.2% 10.6% -28.5% 31.1% 4.3% 50.3% 2.8% 5.2% 9.3%
IBT 7.62
6.13
6.65
7.29
6.34
8.51
9.00
9.67
10.54
11.11
12.05
growth rate -19.6% 8.5% 9.6% -13.1% 34.2% 5.8% 7.5% 9.0% 5.4% 8.5%
Net Income 5.66
5.10
5.20
5.60
5.22
6.84
7.14
7.69
7.88
8.51
8.45
growth rate -9.9% 2.0% 7.7% -6.8% 31.1% 4.3% 7.8% 2.4% 8.0% -0.7%
EPS 1.25
1.14
1.17
1.25
1.17
1.54
1.60
1.73
1.77
1.91
1.89
growth rate -8.8% 2.6% 6.8% -6.4% 31.6% 3.9% 8.1% 2.3% 7.9% -1.1%
Gross Profit 31.26
32.36
34.69
35.96
growth rate 3.5% 7.2% 3.7%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 3.17
3.36
3.30
3.37
growth rate 6.1% -1.7% 2.2%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 2.03
2.20
2.50
2.47
growth rate 8.2% 13.8% -1.3%
Acct.Payable 564.62
606.62
647.57
623.84
578.89
growth rate 7.4% 6.8% -3.7% -7.2%
Cur.Assets 30.23
28.62
58.34
28.25
31.60
growth rate -5.3% 103.8% -51.6% 11.9%
Total Assets 664.92
705.35
745.83
722.73
717.65
growth rate 6.1% 5.7% -3.1% -0.7%
Cash 13.48
11.40
37.11
12.25
12.75
growth rate -15.4% 225.6% -67.0% 4.0%
Inventory 0.04
growth rate
Cur.Liabilities 570.69
608.96
668.80
624.06
579.57
growth rate 6.7% 9.8% -6.7% -7.1%
Liabilities 606.47
645.74
687.17
663.57
657.54
growth rate 6.5% 6.4% -3.4% -0.9%
LT Debt 30.40
30.27
10.45
31.14
68.45
growth rate -0.4% -65.5% 198.0% 119.8%
Equity 58.46
59.61
58.66
59.16
60.11
growth rate 2.0% -1.6% 0.9% 1.6%
Common Shares 9.87
9.88
9.88
9.88
9.88
growth rate 0.0% 0.1% 0.0% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 0.27
0.31
1.34
0.36
1.16
growth rate 18.5% 327.1% -73.4% 224.7%
Cash Dividends 1.29
1.29
1.29
1.33
1.33
growth rate -0.1% 0.0% 3.5% 0.0%
Cash From OA 0.60
2.14
-0.72
9.12
-2.19
growth rate 259.3% -100.0% 100.0% -100.0%
Sale Purchase of Stock 0.02
0.02
-0.02
0.00
growth rate 0.0% -100.0% 0.0%
FCF 0.33
1.82
-2.06
8.76
-3.35
growth rate 452.7% -100.0% 100.0% -100.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 8.92
9.17
9.34
9.40
9.21
growth rate 2.8% 1.9% 0.6% -1.9%
Op.Income 3.05
3.23
3.81
3.26
2.90
growth rate 5.8% 18.2% -14.5% -11.2%
IBT 3.05
3.23
3.19
3.26
2.90
growth rate 5.8% -1.2% 2.3% -11.2%
Net Income 2.23
2.37
1.92
2.75
2.45
growth rate 6.4% -18.9% 42.9% -10.8%
EPS
growth rate
Gross Profit 8.92
9.17
9.34
9.40
9.21
growth rate 2.8% 1.9% 0.6% -1.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (43.95)

YOY Growth Grade:

D (34.21)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 21.79 21.87 13.75
EPS / Growth -3.3% 2.11

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 2.8% 2.8%
Future PE 2.00 13.74 13.74
Future EPS 2.33 2.79 2.79
Value Price
MOS %
1.15
-97.5%
9.49
-79.4%
9.49
-79.4%
MOS Price 0.58 4.75 4.75
IRT 19.69 16.87 16.87

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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