Union Bankshares

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Union Bankshares, Inc. is a bank holding company headquartered in Richmond, Virginia. It is the parent company of Union Bank & Trust, one of the largest community banks in Virginia with over 150 branches and nearly 200 ATMs.
The company was founded in 1990 and has grown both organically and through acquisitions to become a leading financial institution in the Mid-Atlantic region. As of June 2021, Union Bankshares has over $17 billion in assets and over 2,700 employees.
The bank offers a range of banking and financial services including checking and savings accounts, loans and mortgages, wealth management, and online and mobile banking. It serves individuals, businesses, and nonprofits in Virginia, Maryland, and North Carolina.
Union Bankshares is publicly traded on the Nasdaq Global Select Market under the ticker symbol UNB. Its mission is to provide exceptional customer service, create strong relationships, and support the communities it serves. The company is committed to responsible and sustainable practices and has been recognized for its environmental, social, and governance efforts.

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Union Bankshares’ earnings, cash flow, and valuation are notably sensitive to changes in interest rates, as is the case with many financial institutions.
1. Earnings: Interest rates directly impact the net interest margin, which is the difference between the interest income generated from loans and the interest paid on deposits. If interest rates rise, Union Bankshares may benefit from higher loan yields, potentially increasing earnings. Conversely, if rates fall, loan yields could decrease, negatively affecting earnings.
2. Cash Flow: The cash flow generated from interest-earning assets will fluctuate with changes in interest rates. Higher rates can lead to increased cash flows from loans and investments, while lower rates might reduce these cash inflows. Additionally, changes in rates can affect the demand for loans, which can further impact cash flow.
3. Valuation: The valuation of Union Bankshares is influenced by interest rates through discounted cash flow models and price-to-earnings ratios. Higher interest rates could lead to a decrease in the present value of future cash flows, potentially lowering the stock’s valuation. Conversely, if rising rates lead to increased profitability and cash flows, it might bolster the firm’s valuation.
In summary, Union Bankshares’ financial performance and market valuation are closely tied to interest rate movements, affecting both the income generated from operations and investor perceptions of the company’s future profitability.

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See Company Q&A