Based on the key indicators related to Union Bankshares' liquidity, profitability, solvency, and operating efficiency, Union Bankshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Union Bankshares' Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 86 M, whereas Total Stockholder Equity is forecasted to decline to about 54.2 M. Key indicators impacting Union Bankshares' financial strength include:
The essential information of the day-to-day investment outlook for Union Bankshares includes many different criteria found on its balance sheet. An individual investor should monitor Union Bankshares' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Union Bankshares.
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.
Union Bankshares Stock Summary
Union Bankshares competes with Home Bancorp, Rhinebeck Bancorp, LINKBANCORP, Magyar Bancorp, and Lake Shore. Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in northern Vermont and New Hampshire. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont. Union Bankshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 194 people.
Comparative valuation techniques use various fundamental indicators to help in determining Union Bankshares's current stock value. Our valuation model uses many indicators to compare Union Bankshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Union Bankshares competition to find correlations between indicators driving Union Bankshares's intrinsic value. More Info.
Union Bankshares is rated third in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.04 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Union Bankshares is roughly 24.17 . At present, Union Bankshares' Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Union Bankshares' earnings, one of the primary drivers of an investment's value.
Union Bankshares Systematic Risk
Union Bankshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Union Bankshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Union Bankshares correlated with the market. If Beta is less than 0 Union Bankshares generally moves in the opposite direction as compared to the market. If Union Bankshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Union Bankshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Union Bankshares is generally in the same direction as the market. If Beta > 1 Union Bankshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Union Bankshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Union Bankshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Union Bankshares growth as a starting point in their analysis.
Price Earnings To Growth Ratio
(1.06)
At present, Union Bankshares' Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.
Union Bankshares December 15, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Union Bankshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Union Bankshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Union Bankshares based on widely used predictive technical indicators. In general, we focus on analyzing Union Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Union Bankshares's daily price indicators and compare them against related drivers.
When running Union Bankshares' price analysis, check to measure Union Bankshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Union Bankshares is operating at the current time. Most of Union Bankshares' value examination focuses on studying past and present price action to predict the probability of Union Bankshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Union Bankshares' price. Additionally, you may evaluate how the addition of Union Bankshares to your portfolios can decrease your overall portfolio volatility.