Is Union Bankshares Stock a Good Investment?
Union Bankshares Investment Advice | UNB |
- Examine Union Bankshares' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Union Bankshares' leadership team and their track record. Good management can help Union Bankshares navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Union Bankshares' business and its evolving consumer preferences.
- Compare Union Bankshares' performance and market position to its competitors. Analyze how Union Bankshares is positioned in terms of product offerings, innovation, and market share.
- Check if Union Bankshares pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Union Bankshares' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Union Bankshares stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Union Bankshares is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Solid | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Union Bankshares Stock
Researching Union Bankshares' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 20.0% of the company outstanding shares are owned by insiders. The book value of Union Bankshares was at this time reported as 15.84. The company last dividend was issued on the 25th of October 2024. Union Bankshares had 3:2 split on the 11th of August 2003.
To determine if Union Bankshares is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Union Bankshares' research are outlined below:
| About 20.0% of the company outstanding shares are owned by insiders | |
| On 7th of November 2024 Union Bankshares paid $ 0.36 per share dividend to its current shareholders | |
| Latest headline from gurufocus.com: Union Bank Stock Surges Amid Market Volatility |
Union Bankshares Quarterly Gross Profit |
|
Union Bankshares uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Union Bankshares. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Union Bankshares' previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 17th of April 2024 Upcoming Quarterly Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View |
Know Union Bankshares' Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Union Bankshares is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Union Bankshares backward and forwards among themselves. Union Bankshares' institutional investor refers to the entity that pools money to purchase Union Bankshares' securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Bridgeway Capital Management, Llc | 2024-09-30 | 16.4 K | State Street Corp | 2024-09-30 | 10.1 K | Susquehanna International Group, Llp | 2024-09-30 | 10 K | Morgan Stanley - Brokerage Accounts | 2024-09-30 | 10 K | Community Financial Services Group | 2024-09-30 | 8.5 K | Citigroup Inc | 2024-09-30 | 3.6 K | Bank Of America Corp | 2024-06-30 | 3.4 K | Loring Wolcott & Coolidge Fid Adv Llp | 2024-06-30 | 875 | Barclays Plc | 2024-09-30 | 831 | Fmr Inc | 2024-09-30 | 214.7 K | Vanguard Group Inc | 2024-09-30 | 148.5 K |
Union Bankshares' market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 170.58 M.Market Cap |
|
Union Bankshares' profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.01 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.17 | 0.11 |
Determining Union Bankshares' profitability involves analyzing its financial statements and using various financial metrics to determine if Union Bankshares is a good buy. For example, gross profit margin measures Union Bankshares' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Union Bankshares' profitability and make more informed investment decisions.
Please note, the presentation of Union Bankshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Union Bankshares' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Union Bankshares' management manipulating its earnings.
Evaluate Union Bankshares' management efficiency
At present, Union Bankshares' Return On Tangible Assets are projected to slightly decrease based on the last few years of reporting. The current year's Return On Assets is expected to grow to 0.01, whereas Return On Capital Employed is forecasted to decline to 0.01. At present, Union Bankshares' Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 1.2 B, whereas Non Current Assets Total are forecasted to decline to about 19.4 M. Union Bankshares' management efficiency ratios could be used to measure how well Union Bankshares manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 14.61 | 13.88 | |
| Tangible Book Value Per Share | 14.24 | 13.53 | |
| Enterprise Value Over EBITDA | 14.08 | 14.79 | |
| Price Book Value Ratio | 2.10 | 1.78 | |
| Enterprise Value Multiple | 14.08 | 14.79 | |
| Price Fair Value | 2.10 | 1.78 | |
| Enterprise Value | 137.9 M | 91.2 M |
Leadership effectiveness at Union Bankshares is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Dividend Yield 0.04 | Forward Dividend Yield 0.04 | Forward Dividend Rate 1.44 | Beta 0.726 |
Basic technical analysis of Union Stock
As of the 4th of December, Union Bankshares has the Coefficient Of Variation of 391.33, risk adjusted performance of 0.2018, and Semi Deviation of 1.2. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Union Bankshares, as well as the relationship between them.Union Bankshares' insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Union Bankshares insiders, such as employees or executives, is commonly permitted as long as it does not rely on Union Bankshares' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Union Bankshares insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Van Dyke Cornelius John over six months ago Acquisition or disposition of Union Bankshares securities by Van Dyke Cornelius John | ||
Van Dyke Cornelius John over a year ago Acquisition or disposition of Union Bankshares securities by Van Dyke Cornelius John | ||
Van Dyke Cornelius John over a year ago Union Bankshares exotic insider transaction detected |
Union Bankshares' Outstanding Corporate Bonds
Union Bankshares issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Union Bankshares uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Union bonds can be classified according to their maturity, which is the date when Union Bankshares has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| Boeing Co 2196 Corp BondUS097023DG73 | View | |
| BNP Paribas FRN Corp BondUSF1R15XK367 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand Union Bankshares' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Union Bankshares' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.2018 | |||
| Market Risk Adjusted Performance | 1.23 | |||
| Mean Deviation | 1.72 | |||
| Semi Deviation | 1.2 | |||
| Downside Deviation | 1.78 | |||
| Coefficient Of Variation | 391.33 | |||
| Standard Deviation | 2.39 | |||
| Variance | 5.72 | |||
| Information Ratio | 0.2081 | |||
| Jensen Alpha | 0.5502 | |||
| Total Risk Alpha | 0.2772 | |||
| Sortino Ratio | 0.2794 | |||
| Treynor Ratio | 1.22 | |||
| Maximum Drawdown | 11.91 | |||
| Value At Risk | (2.78) | |||
| Potential Upside | 4.71 | |||
| Downside Variance | 3.17 | |||
| Semi Variance | 1.43 | |||
| Expected Short fall | (2.11) | |||
| Skewness | 0.9409 | |||
| Kurtosis | 1.84 |
| Risk Adjusted Performance | 0.2018 | |||
| Market Risk Adjusted Performance | 1.23 | |||
| Mean Deviation | 1.72 | |||
| Semi Deviation | 1.2 | |||
| Downside Deviation | 1.78 | |||
| Coefficient Of Variation | 391.33 | |||
| Standard Deviation | 2.39 | |||
| Variance | 5.72 | |||
| Information Ratio | 0.2081 | |||
| Jensen Alpha | 0.5502 | |||
| Total Risk Alpha | 0.2772 | |||
| Sortino Ratio | 0.2794 | |||
| Treynor Ratio | 1.22 | |||
| Maximum Drawdown | 11.91 | |||
| Value At Risk | (2.78) | |||
| Potential Upside | 4.71 | |||
| Downside Variance | 3.17 | |||
| Semi Variance | 1.43 | |||
| Expected Short fall | (2.11) | |||
| Skewness | 0.9409 | |||
| Kurtosis | 1.84 |
Consider Union Bankshares' intraday indicators
Union Bankshares intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Union Bankshares stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 405.38 | |||
| Daily Balance Of Power | (0.57) | |||
| Rate Of Daily Change | 0.98 | |||
| Day Median Price | 36.91 | |||
| Day Typical Price | 36.95 | |||
| Market Facilitation Index | 1.0E-4 | |||
| Price Action Indicator | (0.20) | |||
| Period Momentum Indicator | (0.66) | |||
| Relative Strength Index | 72.26 |
Union Bankshares Corporate Filings
8K | 21st of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10Q | 14th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
F4 | 16th of May 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
| 2nd of April 2024 Other Reports | ViewVerify |
Union Stock media impact
Far too much social signal, news, headlines, and media speculation about Union Bankshares that are available to investors today. That information is available publicly through Union media outlets and privately through word of mouth or via Union internal channels. However, regardless of the origin, that massive amount of Union data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Union Bankshares news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Union Bankshares relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Union Bankshares' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Union Bankshares alpha.
Union Bankshares Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Union Bankshares can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Union Bankshares Corporate Management
| Jeffrey Coslett | VP and Sr. VP of HR and Branch Admin. of Union Bank | Profile | |
| Karyn CPA | Treasurer VP | Profile | |
| Patricia Hogan | Senior Officer | Profile | |
| Kristy Alfieri | Assistant Secretary | Profile | |
| Timothy Sargent | Independent Secretary | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Union Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. For information on how to trade Union Stock refer to our How to Trade Union Stock guide.You can also try the Bollinger Bands module to use Bollinger Bands indicator to analyze target price for a given investing horizon.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Union Bankshares. If investors know Union will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Union Bankshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.47) | Dividend Share 1.44 | Earnings Share 1.94 | Revenue Per Share 10.244 | Quarterly Revenue Growth (0.1) |
The market value of Union Bankshares is measured differently than its book value, which is the value of Union that is recorded on the company's balance sheet. Investors also form their own opinion of Union Bankshares' value that differs from its market value or its book value, called intrinsic value, which is Union Bankshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Union Bankshares' market value can be influenced by many factors that don't directly affect Union Bankshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Union Bankshares' value and its price, as these two are different measures arrived at by various means. Investors typically determine if Union Bankshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Union Bankshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.