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Company Analysis Union Bankshares, Inc.
1. Summary
Advantages
- Dividends (4.98%) are higher than the sector average (2.3%).
- The company's current efficiency (ROE=13.25%) is higher than the sector average (ROE=6.45%)
Disadvantages
- Price (28.15 $) is higher than fair price (20.74 $)
- The stock's return over the last year (5.08%) is lower than the sector average (18.27%).
- Current debt level 18.06% has increased over 5 years from 5.41%.
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Union Bankshares, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -0.8% | 5.3% | 0.4% |
| 90 days | 0.2% | 5.8% | 21.9% |
| 1 year | 5.1% | 18.3% | 20% |
UNB vs Sector: Union Bankshares, Inc. has significantly underperformed the "Financials" sector by -13.19% over the past year.
UNB vs Market: Union Bankshares, Inc. has significantly underperformed the market by -14.93% over the past year.
Stable price: UNB is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: UNB with weekly volatility of 0.0976% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (28.15 $) is higher than the fair price (20.74 $).
Price is higher than fair: The current price (28.15 $) is 26.3% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (14.78) is lower than that of the sector as a whole (21.68).
P/E vs Market: The company's P/E (14.78) is lower than that of the market as a whole (90.14).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.95) is higher than that of the sector as a whole (0.7).
P/BV vs Market: The company's P/BV (1.95) is lower than that of the market as a whole (9.2).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (2.75) is lower than that of the sector as a whole (4.61).
P/S vs Market: The company's P/S indicator (2.75) is lower than that of the market as a whole (10.13).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (124.88) is higher than that of the sector as a whole (11.67).
EV/Ebitda vs Market: The company's EV/Ebitda (124.88) is higher than that of the market as a whole (50.93).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -6.31% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-6.31%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-4.44%).
5.4. ROE
ROE vs Sector: The company's ROE (13.25%) is higher than that of the sector as a whole (6.45%).
ROE vs Market: The company's ROE (13.25%) is higher than that of the market as a whole (11.66%).
5.5. ROA
ROA vs Sector: The company's ROA (0.5846%) is lower than that of the sector as a whole (6.1%).
ROA vs Market: The company's ROA (0.5846%) is lower than that of the market as a whole (6.89%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11.08%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.98% is higher than the average for the sector '2.3%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.98% has been steadily paid over the past 7 years, DSI=1.
Weak dividend growth: The company's dividend yield 4.98% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (73.55%) are at a comfortable level.
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