Union Bankshares Net Income vs. Current Valuation
| UNB Stock | USD 33.95 1.65 4.63% |
Net Income | First Reported 1999-12-31 | Previous Quarter 12.3 M | Current Value 1.3 M | Quarterly Volatility 1.6 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 1.11 | 1.25 |
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| Net Profit Margin | 0.37 | 0.2333 |
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| Operating Profit Margin | 0.44 | 0.4605 |
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| Pretax Profit Margin | 0.5 | 0.2669 |
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| Return On Assets | 0.0141 | 0.0077 |
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| Return On Equity | 0.11 | 0.1711 |
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For Union Bankshares profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Union Bankshares to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Union Bankshares utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Union Bankshares's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Union Bankshares over time as well as its relative position and ranking within its peers.
Union |
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.
Please note, there is a significant difference between Union Bankshares' value and its price as these two are different measures arrived at by different 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.
Union Bankshares Current Valuation vs. Net Income Fundamental Analysis
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. Union Bankshares is rated below average in net income category among its peers. It is rated fifth in current valuation category among its peers reporting about 31.20 of Current Valuation per Net Income. At present, Union Bankshares' Net Income is projected to increase significantly 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 Current Valuation vs. Net Income
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Union Bankshares |
| = | 11.26 M |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Union Bankshares |
| = | 351.25 M |
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
Union Current Valuation vs Competition
Union Bankshares is rated fifth in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is at this time estimated at about 4.42 Billion. Union Bankshares holds roughly 351.25 Million in current valuation claiming about 8% of equities under Financials industry.
Union Bankshares Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Union Bankshares, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Union Bankshares will eventually generate negative long term returns. The profitability progress is the general direction of Union Bankshares' change in net profit over the period of time. It can combine multiple indicators of Union Bankshares, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -32 M | -30.4 M | |
| Operating Income | 22.2 M | 15.4 M | |
| Income Before Tax | 12.9 M | 10.2 M | |
| Total Other Income Expense Net | -9.3 M | -9.8 M | |
| Net Income | 11.3 M | 8 M | |
| Income Tax Expense | 1.6 M | 2.2 M | |
| Net Income Applicable To Common Shares | 14.5 M | 8 M | |
| Net Income From Continuing Ops | 11.7 M | 10.1 M | |
| Net Interest Income | 38.9 M | 34.1 M | |
| Interest Income | 53.9 M | 39.4 M | |
| Change To Netincome | 14.8 M | 15.5 M | |
| Net Income Per Share | 2.50 | 1.29 | |
| Income Quality | 0.82 | 0.98 | |
| Net Income Per E B T | 0.87 | 0.62 |
Union Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Union Bankshares. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Union Bankshares position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Union Bankshares' important profitability drivers and their relationship over time.
Use Union Bankshares in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Union Bankshares position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Union Bankshares will appreciate offsetting losses from the drop in the long position's value.Union Bankshares Pair Trading
Union Bankshares Pair Trading Analysis
The ability to find closely correlated positions to Union Bankshares could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Union Bankshares when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Union Bankshares - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Union Bankshares to buy it.
The correlation of Union Bankshares is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Union Bankshares moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Union Bankshares moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Union Bankshares can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your Union Bankshares position
In addition to having Union Bankshares in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Check out World Market Map. For information on how to trade Union Stock refer to our How to Trade Union Stock guide.You can also try the Technical Analysis module to check basic technical indicators and analysis based on most latest market data.
To fully project Union Bankshares' future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Union Bankshares at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Union Bankshares' income statement, its balance sheet, and the statement of cash flows.