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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.32
UBSH's Cash to Debt is ranked higher than
61% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. UBSH: 0.32 )
UBSH' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.32

Equity to Asset 0.13
UBSH's Equity to Asset is ranked higher than
87% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBSH: 0.13 )
UBSH' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.13

0.08
0.14
Interest Coverage 2.29
UBSH's Interest Coverage is ranked higher than
79% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. UBSH: 2.29 )
UBSH' s 10-Year Interest Coverage Range
Min: 0.19   Max: 2.29
Current: 2.29

0.19
2.29
F-Score: 4
Z-Score: 0.21
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 20.77
UBSH's Operating margin (%) is ranked higher than
63% of the 1784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.51 vs. UBSH: 20.77 )
UBSH' s 10-Year Operating margin (%) Range
Min: -289.82   Max: 38.85
Current: 20.77

-289.82
38.85
Net-margin (%) 15.92
UBSH's Net-margin (%) is ranked higher than
64% of the 1784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.58 vs. UBSH: 15.92 )
UBSH' s 10-Year Net-margin (%) Range
Min: 7.41   Max: 187.84
Current: 15.92

7.41
187.84
ROE (%) 5.99
UBSH's ROE (%) is ranked higher than
66% of the 1791 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.52 vs. UBSH: 5.99 )
UBSH' s 10-Year ROE (%) Range
Min: 3.01   Max: 14.92
Current: 5.99

3.01
14.92
ROA (%) 0.76
UBSH's ROA (%) is ranked higher than
71% of the 1791 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. UBSH: 0.76 )
UBSH' s 10-Year ROA (%) Range
Min: 0.33   Max: 1.47
Current: 0.76

0.33
1.47
ROC (Joel Greenblatt) (%) 32.97
UBSH's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.03 vs. UBSH: 32.97 )
UBSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -72.29   Max: 105.76
Current: 32.97

-72.29
105.76
Revenue Growth (%) 1.00
UBSH's Revenue Growth (%) is ranked higher than
75% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. UBSH: 1.00 )
UBSH' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 103.6
Current: 1

0
103.6
EBITDA Growth (%) 1.30
UBSH's EBITDA Growth (%) is ranked higher than
67% of the 1406 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UBSH: 1.30 )
UBSH' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 34.2
Current: 1.3

0
34.2
EPS Growth (%) 18.50
UBSH's EPS Growth (%) is ranked higher than
85% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. UBSH: 18.50 )
UBSH' s 10-Year EPS Growth (%) Range
Min: -53.9   Max: 93.2
Current: 18.5

-53.9
93.2
» UBSH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

UBSH Guru Trades in Q3 2013

John Keeley 817,943 sh (New)
Jim Simons 143,200 sh (+50.9%)
Tom Gayner Sold Out
» More
Q4 2013

UBSH Guru Trades in Q4 2013

John Keeley 1,285,534 sh (+57.17%)
Jim Simons 153,600 sh (+7.26%)
» More
Q1 2014

UBSH Guru Trades in Q1 2014

Jim Simons 233,405 sh (+51.96%)
John Keeley 1,317,234 sh (+2.47%)
» More
Q2 2014

UBSH Guru Trades in Q2 2014

Jim Simons 288,405 sh (+23.56%)
John Keeley 1,268,134 sh (-3.73%)
» More
» Details

Insider Trades

Latest Guru Trades with UBSH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-12-31 Add 57.17%0.2%$23.2 - $26 $ 21.2-14%1285534
Tom Gayner 2013-09-30 Sold Out 1.2%$20.81 - $23.32 $ 21.2-5%0
John Keeley 2013-09-30 New Buy0.35%$20.81 - $23.32 $ 21.2-5%817943
Tom Gayner 2013-06-30 Reduce -12.64%0.18%$18.24 - $20.59 $ 21.29%1658339
Tom Gayner 2013-03-31 Reduce -27.67%0.47%$15.77 - $19.93 $ 21.218%1898339
Tom Gayner 2012-12-31 Reduce -25.12%0.58%$14.41 - $15.87 $ 21.238%2624481
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.70
UBSH's P/E(ttm) is ranked higher than
60% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. UBSH: 18.70 )
UBSH' s 10-Year P/E(ttm) Range
Min: 10.79   Max: 90.71
Current: 18.7

10.79
90.71
P/B 1.00
UBSH's P/B is ranked higher than
73% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UBSH: 1.00 )
UBSH' s 10-Year P/B Range
Min: 0.52   Max: 2.37
Current: 1

0.52
2.37
P/S 2.96
UBSH's P/S is ranked higher than
68% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.08 vs. UBSH: 2.96 )
UBSH' s 10-Year P/S Range
Min: 1.32   Max: 85.11
Current: 2.96

1.32
85.11
PFCF 6.11
UBSH's PFCF is ranked higher than
89% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSH: 6.11 )
UBSH' s 10-Year PFCF Range
Min: 2.7   Max: 159.45
Current: 6.11

2.7
159.45
EV-to-EBIT 25.55
UBSH's EV-to-EBIT is ranked higher than
65% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.06 vs. UBSH: 25.55 )
UBSH' s 10-Year EV-to-EBIT Range
Min: -12   Max: 63.2
Current: 25.55

-12
63.2
PEG 1.53
UBSH's PEG is ranked higher than
85% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSH: 1.53 )
UBSH' s 10-Year PEG Range
Min: 0.43   Max: 2.02
Current: 1.53

0.43
2.02
Shiller P/E 20.77
UBSH's Shiller P/E is ranked higher than
72% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.60 vs. UBSH: 20.77 )
UBSH' s 10-Year Shiller P/E Range
Min: 6.59   Max: 25.75
Current: 20.77

6.59
25.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.69
UBSH's Dividend Yield is ranked higher than
56% of the 1506 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. UBSH: 2.69 )
UBSH' s 10-Year Dividend Yield Range
Min: 1.34   Max: 6.48
Current: 2.69

1.34
6.48
Dividend Payout 0.52
UBSH's Dividend Payout is ranked higher than
61% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. UBSH: 0.52 )
UBSH' s 10-Year Dividend Payout Range
Min: 0.19   Max: 6
Current: 0.52

0.19
6
Dividend growth (3y) 29.30
UBSH's Dividend growth (3y) is ranked higher than
93% of the 1058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. UBSH: 29.30 )
UBSH' s 10-Year Dividend growth (3y) Range
Min: -29.9   Max: 29.3
Current: 29.3

-29.9
29.3
Yield on cost (5-Year) 5.70
UBSH's Yield on cost (5-Year) is ranked higher than
79% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. UBSH: 5.70 )
UBSH' s 10-Year Yield on cost (5-Year) Range
Min: 2.94   Max: 14.21
Current: 5.7

2.94
14.21
Share Buyback Rate 0.30
UBSH's Share Buyback Rate is ranked higher than
89% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. UBSH: 0.30 )
UBSH' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -24.3
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
UBSH's Price/Tangible Book is ranked higher than
66% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. UBSH: 1.53 )
UBSH' s 10-Year Price/Tangible Book Range
Min: 0.83   Max: 3.09
Current: 1.53

0.83
3.09
Price/DCF (Projected) 0.82
UBSH's Price/DCF (Projected) is ranked higher than
76% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UBSH: 0.82 )
UBSH' s 10-Year Price/DCF (Projected) Range
Min: 0.47   Max: 2.28
Current: 0.82

0.47
2.28
Price/Median PS Value 1.02
UBSH's Price/Median PS Value is ranked higher than
74% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBSH: 1.02 )
UBSH' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 29.13
Current: 1.02

0.51
29.13
Price/Peter Lynch Fair Value 1.63
UBSH's Price/Peter Lynch Fair Value is ranked higher than
87% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSH: 1.63 )
UBSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 8.53
Current: 1.63

0.53
8.53
Price/Graham Number 1.31
UBSH's Price/Graham Number is ranked higher than
63% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. UBSH: 1.31 )
UBSH' s 10-Year Price/Graham Number Range
Min: 0.59   Max: 1.71
Current: 1.31

0.59
1.71
Earnings Yield (Greenblatt) 3.90
UBSH's Earnings Yield (Greenblatt) is ranked higher than
53% of the 1575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UBSH: 3.90 )
UBSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 11.8
Current: 3.9

1.6
11.8
Forward Rate of Return (Yacktman) 16.11
UBSH's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.52 vs. UBSH: 16.11 )
UBSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.2   Max: 32.6
Current: 16.11

2.2
32.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Union First Market Bankshares Corp is a bank holding company organized under Virginia law and registered under the Bank Holding Company Act of 1956. The Company was formed in connection with the July 1993 merger of Northern Neck Bankshares Corporation and Union Bancorp, Inc. The Company has two reportable segments namely its traditional full service community banking business and its mortgage loan origination business. The Company provides full service banking to the Northern, Central, Rappahannock, Shenandoah, Tidewater, and Northern Neck regions of Virginia through Union First Market Bank. It operates 90 locations. Union Investment Services, Inc. provides full brokerage services; Union Mortgage Group, Inc. provides a full line of mortgage products; and Union Insurance Group, LLC offers various lines of insurance products. Union First Market Bank also owns a non-controlling interest in Johnson Mortgage Company, L.L.C. Union First Market Bank is a full service community bank offering consumers and businesses a range of banking and related financial services, including checking, savings, certificates of deposit and other depository services, as well as loans for commercial, industrial, residential mortgage and consumer purposes. The Bank issues credit cards and delivers automated teller machine ('ATM') services through the use of reciprocally shared ATMs in the major ATM networks as well as remote ATMs for the convenience of customers and other consumers. The Bank also offers internet banking services and online bill payment for all customers, whether retail or commercial. It also offers private banking and trust services to individuals and corporations through its Financial Guidance Group. Union Investment Services, Inc. has provided securities, brokerage and investment advisory services since its formation in February 1993. It has 9 offices within the Bank's trade area and is a full service investment company handling all aspects of wealth management including stocks, bonds, annuities, mutual funds and financial planning. Securities are offered through a third party contractual arrangement with Raymond James Financial Services, Inc., an independent broker dealer. Union Mortgage Group, Inc., ('UMG') has the several offices in Virginia (seven), Maryland (three), North Carolina (three), and South Carolina (two). UMG is also licensed to do business in selected states throughout the Mid-Atlantic and Southeast, as well as Washington, D.C. It provides a variety of mortgage products to customers in those areas. The mortgage loans originated by UMG are generally sold in the secondary market through purchase agreements with institutional investors. Union Insurance Group, LLC ('UIG'), an insurance agency, is owned by the Bank and Union Mortgage. This agency operates in a joint venture with Bankers Insurance, LLC, a large insurance agency owned by community banks across Virginia and managed by the Virginia Bankers Association. UIG generates

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