Definitive Analysis
Definitive Analysis
Financial Statements
Periods / Units
Fundamentals
Valuations
Miscellaneous
Analysis Mode
Full Access
See Pricing Start Trial

Union Bankshares, Inc. (UNB)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$26.05 - $41.40$33.04
Multi-Stage$34.54 - $37.77$36.12
Blended Fair Value$34.58
Current Price$24.76
Upside39.66%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS3.21%3.35%1.421.411.371.291.251.211.171.131.091.06
YoY Growth--0.45%2.87%6.11%3.30%3.42%3.25%3.44%4.29%2.55%3.86%
Dividend Yield--4.50%4.61%6.20%4.15%4.17%5.37%2.57%2.23%2.53%3.71%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)11.33
(-) Cash Dividends Paid (M)6.46
(=) Cash Retained (M)4.87
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)2.271.420.85
Cash Retained (M)4.874.874.87
(-) Cash Required (M)-2.27-1.42-0.85
(=) Excess Retained (M)2.603.454.02
(/) Shares Outstanding (M)4.554.554.55
(=) Excess Retained per Share0.570.760.88
LTM Dividend per Share1.421.421.42
(+) Excess Retained per Share0.570.760.88
(=) Adjusted Dividend1.992.182.30
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate1.35%2.35%3.35%
Fair Value$26.05$33.04$41.40
Upside / Downside5.22%33.43%67.20%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)11.3311.6011.8712.1512.4312.7313.11
Payout Ratio57.02%63.62%70.21%76.81%83.40%90.00%92.50%
Projected Dividends (M)6.467.388.339.3310.3711.4512.12

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate1.35%2.35%3.35%
Year 1 PV (M)6.706.766.83
Year 2 PV (M)6.877.007.14
Year 3 PV (M)6.987.197.40
Year 4 PV (M)7.047.327.61
Year 5 PV (M)7.067.417.78
PV of Terminal Value (M)122.48128.65135.06
Equity Value (M)157.12164.33171.81
Shares Outstanding (M)4.554.554.55
Fair Value$34.54$36.12$37.77
Upside / Downside39.49%45.89%52.53%

High-Yield Dividend Screener

« Prev Page 26 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
ODFLOld Dominion Freight Line, Inc.0.69%$1.1022.00%
RRBIRed River Bancshares, Inc.0.69%$0.487.90%
SSDSimpson Manufacturing Co., Inc.0.69%$1.1413.76%
WCCWESCO International, Inc.0.69%$1.7513.38%
ALGAlamo Group Inc.0.68%$1.1511.96%
CBKCommercial Bancgroup, Inc. Common Stock0.68%$0.166.13%
IRMDIRadimed Corporation0.68%$0.6539.59%
UNFUniFirst Corporation0.68%$1.3216.37%
WTSWatts Water Technologies, Inc.0.68%$1.9019.65%
0HF3.LCencora0.67%$2.2528.12%
AITApplied Industrial Technologies, Inc.0.67%$1.7516.64%
CLMBClimb Global Solutions, Inc.0.67%$0.6814.50%
ASTHAstrana Health, Inc.0.66%$0.1786.52%
AVGOBroadcom Inc.0.66%$2.2848.18%
ENSEnerSys0.66%$0.9911.20%
HLIOHelios Technologies, Inc.0.66%$0.3635.50%
ICFIICF International, Inc.0.66%$0.5610.52%
VMCVulcan Materials Company0.66%$1.9322.82%
AAMEAtlantic American Corporation0.65%$0.027.99%
AMATApplied Materials, Inc.0.65%$1.7319.78%
CRMSalesforce, Inc.0.65%$1.6421.86%
GHCGraham Holdings Company0.65%$7.064.22%
LFACLF Capital Acquisition Corp. II0.65%$0.0724.33%
BSYBentley Systems, Incorporated0.64%$0.2530.41%
EHCEncompass Health Corporation0.64%$0.6812.77%
LADLithia Motors, Inc.0.64%$2.136.25%
PRBMParabellum Acquisition Corp.0.64%$0.065.11%
VRSNVeriSign, Inc.0.64%$1.5417.77%
AWIArmstrong World Industries, Inc.0.63%$1.2417.71%
ESQEsquire Financial Holdings, Inc.0.63%$0.6411.29%
SGISomnigroup International Inc0.63%$0.5637.60%
ULSUL Solutions Inc.0.63%$0.5130.38%
VMIValmont Industries, Inc.0.63%$2.5821.97%
ARCBArcBest Corporation0.62%$0.4811.39%
VVisa Inc.0.62%$2.1323.10%
LSXMAThe Liberty SiriusXM Group0.61%$0.141.73%
0J1R.LHCA Healthcare, Inc.0.60%$2.8110.70%
MPWRMonolithic Power Systems, Inc.0.60%$5.6614.34%
RXNZurn Water Solutions Corporation0.60%$0.3924.10%
0I47.LCostco Wholesale Corporation0.59%$5.0527.04%
DJCODaily Journal Corporation0.59%$2.954.20%
DRSLeonardo DRS, Inc.0.59%$0.2020.75%
FCNCAFirst Citizens BancShares, Inc.0.59%$12.697.01%
AMEAMETEK, Inc.0.58%$1.2019.00%
KLACKLA Corporation0.57%$7.2622.67%
SXIStandex International Corporation0.57%$1.2729.15%
RDVTRed Violet, Inc.0.56%$0.2937.32%
0IRE.LFortive Corporation0.55%$0.3016.72%
AIMCAltra Industrial Motion Corp.0.55%$0.3417.56%
BWXTBWX Technologies, Inc.0.55%$1.0029.87%