SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Union Bankshares, Inc. (UNB) trades at a trailing P/E of 9.9, forward P/E of 9.1. Trailing earnings yield is 10.11%, forward earnings yield 10.99%. PEG 0.39 (Peter Lynch undervalued ≤1.0). Graham Number is $31.08.
Criteria proven by this page:
- VALUE (100/100, Pass) — P/E is below market average (9.9); PEG ≤ 1.0 — Peter Lynch undervalued (0.39); earnings yield beats bond yields (10.11%).
- Forward P/E 9.1 (down from trailing 9.9) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.39 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 10.11% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.99% as earnings recover.
Overall SharesGrow Score: 63/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
100/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
0/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — UNB
Valuation Multiples
P/E (TTM)9.9
Forward P/E9.1
PEG Ratio0.39
Forward PEG1.11
P/B Ratio1.36
P/S Ratio1.27
EV/EBITDA30.9
Per Share Data
EPS (TTM)$2.43
Forward EPS (Est.)$2.63
Book Value / Share$17.68
Revenue / Share$19.03
FCF / Share$-5.54
Yields & Fair Value
Earnings Yield10.11%
Forward Earnings Yield10.99%
Dividend Yield6.00%
Graham Number$31.08
SharesGrow IV$75.62 (+216.1%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
23.8 |
3.01 |
3.61 |
5.56 |
2.44% |
| 2017 |
28.0 |
-26.71 |
4.02 |
6.15 |
2.18% |
| 2018 |
30.2 |
-1.84 |
3.31 |
5.12 |
2.50% |
| 2019 |
15.2 |
0.30 |
2.26 |
3.50 |
3.40% |
| 2020 |
9.0 |
0.45 |
1.42 |
2.18 |
4.95% |
| 2021 |
10.2 |
3.63 |
1.59 |
2.56 |
4.39% |
| 2022 |
8.6 |
-1.94 |
1.95 |
2.03 |
5.78% |
| 2023 |
12.3 |
-1.11 |
2.10 |
2.05 |
4.65% |
| 2024 |
14.9 |
-0.67 |
1.97 |
1.68 |
4.93% |
| 2025 |
9.8 |
0.39 |
1.34 |
1.24 |
5.97% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.91 |
$36.34M |
$8.51M |
23.4% |
| 2017 |
$1.89 |
$37.71M |
$8.45M |
22.4% |
| 2018 |
$1.58 |
$40.96M |
$7.07M |
17.3% |
| 2019 |
$2.38 |
$45.54M |
$10.65M |
23.4% |
| 2020 |
$2.85 |
$51.95M |
$12.81M |
24.6% |
| 2021 |
$2.92 |
$51.34M |
$13.17M |
25.7% |
| 2022 |
$2.79 |
$52.42M |
$12.62M |
24.1% |
| 2023 |
$2.48 |
$66.11M |
$11.26M |
17% |
| 2024 |
$1.94 |
$76.42M |
$8.76M |
11.5% |
| 2025 |
$2.43 |
$87.3M |
$11.1M |
12.7% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.63 |
$2.63 – $2.63 |
$99.57M |
$99.57M – $99.57M |
1 |
| 2027 |
$3.20 |
$3.20 – $3.20 |
$113.57M |
$113.57M – $113.57M |
1 |
