DDM Analysis: UNB

Valuation Snapshot

Stable Growth	$36.61 - $67.71	$49.39
Multi-Stage	$55.25 - $60.59	$57.87
Blended Fair Value	$53.63
Current Price	$24.76
Upside	116.59%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	3.21%	3.35%	1.42	1.41	1.37	1.29	1.25	1.21	1.17	1.13	1.09	1.06
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2.27	1.42	0.85
Cash Retained (M)	4.87	4.87	4.87
(-) Cash Required (M)	-2.27	-1.42	-0.85
(=) Excess Retained (M)	2.60	3.45	4.02
(/) Shares Outstanding (M)	4.55	4.55	4.55
(=) Excess Retained per Share	0.57	0.76	0.88
LTM Dividend per Share	1.42	1.42	1.42
(+) Excess Retained per Share	0.57	0.76	0.88
(=) Adjusted Dividend	1.99	2.18	2.30
WACC / Discount Rate	6.86%	6.86%	6.86%
Growth Rate	1.35%	2.35%	3.35%
Fair Value	$36.61	$49.39	$67.71
Upside / Downside	47.85%	99.46%	173.46%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	11.33	11.60	11.87	12.15	12.43	12.73	13.11
Payout Ratio	57.02%	63.62%	70.21%	76.81%	83.40%	90.00%	92.50%
Projected Dividends (M)	6.46	7.38	8.33	9.33	10.37	11.45	12.12

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.86%	6.86%	6.86%
Growth Rate	1.35%	2.35%	3.35%
Year 1 PV (M)	6.84	6.90	6.97
Year 2 PV (M)	7.16	7.30	7.44
Year 3 PV (M)	7.42	7.65	7.87
Year 4 PV (M)	7.65	7.95	8.27
Year 5 PV (M)	7.82	8.22	8.63
PV of Terminal Value (M)	214.45	225.24	236.46
Equity Value (M)	251.34	263.26	275.64
Shares Outstanding (M)	4.55	4.55	4.55
Fair Value	$55.25	$57.87	$60.59
Upside / Downside	123.13%	133.72%	144.71%

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Union Bankshares, Inc. (UNB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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