Union Bank

Online Banking

Sign Up

UB_About-Us-Banner

Peer Analysis

Performance Ratios (%) UNB Peer Median Peer Average
ROAA 0.93 0.90 0.86
ROAE 11.28 10.76 9.38
Net Interest Margin 3.96 2.97 3.39
Efficiency Ratio 69.01 62.37 63.88
Loans / Deposits 91.93 100.87 91.77
Asset Quality Ratios (%)
NPAs / Assets 0.36 1.03 1.24
NCOs / Avg Loans 0.05 0.07 0.09
Reserves / Loans 0.86 0.95 0.94
Reserves / NPAs 193.47 70.45 183.96
Capital Ratios (%)
Tier 1 Capital 11.92 13.20 12.85
Tangible Equity / Tangible Assets 8.08 7.98 8.54
Total Equity / Total Assets 8.36 9.25 9.35
Market Ratios
Price / Earnings (x) 20.36 12.37 12.70
Price / Book (%) 215.18 131.70 122.36
Dividend Yield (%) 3.65 1.98 2.18
Data for trailing four quarters

Union Bankshares, Inc.'s peer group consists of the following: Bar Harbor Bankshares (BHB), Century Bancorp, Inc. (CNBK.A), Community Bancorp. (CMTV), Enterprise Bancorp, Inc. (EBTC), First Bancorp, Inc. (FNLC), Merchants Bancshares, Inc. (MBVT), Northeast Bank (NBN), Patriot National Bancorp, Inc. (PNBK)

Union Bankshares, Inc.'s financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Merchants Bancshares, Inc.'s financial data is as of 3/31/2017.