Overview of key metrics for UNB in QQ3 2024 (USD, all figures in thousands except where noted):
- Revenue: $20,100; YoY +73.1%, QoQ +3.6%
- Gross Profit: $20,100; YoY +73.1%, QoQ +3.6% (gross margin 100.0%)
- Operating Income: $2,475; YoY -12.5%, QoQ -87.2% (operating margin 12.3%)
- Net Income: $1,324; YoY -47.7%, QoQ -89.2% (net margin 6.6%)
- EPS: $0.29; YoY -48.2%, QoQ -89.3%
- Interest Expense: $7,761; significant driver of profitability compression
- Total assets: $1,519,494; Total stockholders’ equity: $72,301
- Liquidity: Cash and cash equivalents $17,913; Short-term investments $244,935; Total cash & investments $262,848
- Net debt: $239,047 (Debt $256,960; Cash & equivalents embedded in liquidity)
- Balance sheet strength: Debt ratio 0.169; Debt-to-capitalization 0.780; Long-term debt $256,960; Equity $72,301; ROA 0.087%, ROE 1.83%
- Cash flow: Net cash from operating activities $1,281; Free cash flow $1,070; Net cash used in investing activities $(96,471); Net cash provided by financing activities $111,944; Ending cash $47,261
- Valuation signals (from provided ratios): Price-to-book 1.62; Price-to-earnings 22.15; Dividend yield 1.37% (approximate)