UNB Corp
UNB Corp. operates as the bank holding company for UNB Bank that provides various banking products and services. The company accepts checking, NOW, savings, club, and money market accounts. Its loan products include commercial, installment, and real estate loans. The company also offers debit cards; and remote deposit capture, ATM, and online and mobile banking services. UNB Corp. was founded in … Read more
UNB Corp (UNPA) - Net Assets
Latest net assets as of September 2005: $319.48 Million USD
Based on the latest financial reports, UNB Corp (UNPA) has net assets worth $319.48 Million USD as of September 2005.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.46 Billion) and total liabilities ($2.14 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $319.48 Million |
| % of Total Assets | 12.99% |
| Annual Growth Rate | 1.25% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 1.74 |
UNB Corp - Net Assets Trend (2002–2004)
This chart illustrates how UNB Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for UNB Corp (2002–2004)
The table below shows the annual net assets of UNB Corp from 2002 to 2004.
| Year | Net Assets | Change |
|---|---|---|
| 2004-12-31 | $311.93 Million | +3.01% |
| 2003-12-31 | $302.82 Million | -0.48% |
| 2002-12-31 | $304.29 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to UNB Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 17.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2004)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $74.85 Million | 24.00% |
| Common Stock | $22.12 Million | 7.09% |
| Other Components | $214.95 Million | 68.91% |
| Total Equity | $311.93 Million | 100.00% |
UNB Corp Competitors by Market Cap
The table below lists competitors of UNB Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tri-Mode System M Bhd
KLSE:0199
|
$653.68K |
|
Bagger Dave's Burger Tavern Inc
PINK:BDVB
|
$654.12K |
|
Softimat S.A.
BR:SOFT
|
$654.64K |
|
Story-I Ltd
AU:SRY
|
$654.87K |
|
Coolpad Group Ltd
PINK:CHWTF
|
$653.29K |
|
Fire & Gas Detection Technologies Ltd
TA:FGAS
|
$653.25K |
|
Devernois SA
PA:ALDEV
|
$652.22K |
|
Bardella SA Industrias Mecanicas
SA:BDLL3
|
$652.16K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UNB Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2003 to 2004, total equity changed from 302,823,000 to 311,925,000, a change of 9,102,000 (3.0%).
- Net income of 11,696,000 contributed positively to equity growth.
- Dividend payments of 11,835,000 reduced retained earnings.
- Share repurchases of 7,243,000 reduced equity.
- Other factors increased equity by 16,484,000.
Equity Change Factors (2003 to 2004)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $11.70 Million | +3.75% |
| Dividends Paid | $11.84 Million | -3.79% |
| Share Repurchases | $7.24 Million | -2.32% |
| Other Changes | $16.48 Million | +5.28% |
| Total Change | $- | 3.01% |
Book Value vs Market Value Analysis
This analysis compares UNB Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Insufficient data available to analyze book value vs market value.
Capital Efficiency Dashboard
This dashboard shows how efficiently UNB Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.75%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 7.64%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.25x
- Recent ROE (3.75%) is below the historical average (6.56%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 8.25% | 14.57% | 0.06x | 8.85x | $-5.32 Million |
| 2003 | 7.67% | 13.70% | 0.06x | 9.01x | $-7.06 Million |
| 2004 | 3.75% | 7.64% | 0.06x | 8.25x | $-19.50 Million |
Industry Comparison
This section compares UNB Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UNB Corp (UNPA) | $319.48 Million | 8.25% | 6.70x | $653.65K |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |