UNB Valuation

Union Bankshares Inc

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26.000

+0.17(0.658%)1D

Overview
Forecast
Valuation
Earnings

UNB Relative Valuation

UNB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UNB is overvalued; if below, it's undervalued.

Historical Valuation

Union Bankshares Inc (UNB) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Union Bankshares Inc (UNB) is between to according to relative valuation methord.

Relative Value

Fair Zone

Current Price：25.83

Fair

0.00

Trailing

Forward

0.00

EV/EBITDA

Union Bankshares Inc. (UNB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Union Bankshares Inc. (UNB) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Union Bankshares Inc. (UNB) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.

0.00

P/OCF

Union Bankshares Inc. (UNB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Union Bankshares Inc. (UNB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Union Bankshares Inc (UNB) has a current Price-to-Book (P/B) ratio of 1.65. Compared to its 3-year average P/B ratio of 1.95 , the current P/B ratio is approximately -15.26% higher. Relative to its 5-year average P/B ratio of 1.85, the current P/B ratio is about -11.00% higher. Union Bankshares Inc (UNB) has a Forward Free Cash Flow (FCF) yield of approximately 8.64%. Compared to its 3-year average FCF yield of 11.47%, the current FCF yield is approximately -24.65% lower. Relative to its 5-year average FCF yield of 11.97% , the current FCF yield is about -27.78% lower.

1.65

P/B

Median3y

1.95

Median5y

1.85

8.64

FCF Yield

Median3y

11.47

Median5y

11.97

Competitors Valuation Multiple

The average P/S ratio for UNB's competitors is 0.94, providing a benchmark for relative valuation. Union Bankshares Inc Corp (UNB) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 11.18%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Sound Financial Bancorp Inc

First Guaranty Bancshares Inc

SB Financial Group Inc

2.63

21.53%

131.30M

Performance Decomposition

Market capitalization of UNB increased by 3.05% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 11.48M to 12.76M.

The secondary factor is the Margin Expansion, contributed 8.75%to the performance.

Overall, the performance of UNB in the past 1 year is driven by Revenue Growth. Which is more sustainable.

11.18%

11.48M → 12.76M

Revenue Growth

8.75%

17.59 → 19.13

Margin Expansion

-16.88%

15.46 → 12.85

P/E Change

3.05%