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Also traded in: Germany

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 0.19
UBSH's Cash-to-Debt is ranked lower than
89% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. UBSH: 0.19 )
Ranked among companies with meaningful Cash-to-Debt only.
UBSH' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.29 Max: 0.86
Current: 0.19
0.14
0.86
Equity-to-Asset 0.12
UBSH's Equity-to-Asset is ranked higher than
67% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UBSH: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
UBSH' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.13
Current: 0.12
0.08
0.13
Interest Coverage 3.50
UBSH's Interest Coverage is ranked higher than
71% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. UBSH: 3.50 )
Ranked among companies with meaningful Interest Coverage only.
UBSH' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 1.54 Max: 3.62
Current: 3.5
0.19
3.62
Piotroski F-Score: 4
Beneish M-Score: -2.51
WACC vs ROIC
8.97%
4.77%
WACC
ROIC
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 : 5/10

vs
industry
vs
history
Operating Margin % 31.02
UBSH's Operating Margin % is ranked lower than
51% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. UBSH: 31.02 )
Ranked among companies with meaningful Operating Margin % only.
UBSH' s Operating Margin % Range Over the Past 10 Years
Min: 8.2  Med: 23.52 Max: 31.02
Current: 31.02
8.2
31.02
Net Margin % 23.05
UBSH's Net Margin % is ranked higher than
51% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. UBSH: 23.05 )
Ranked among companies with meaningful Net Margin % only.
UBSH' s Net Margin % Range Over the Past 10 Years
Min: 7.41  Med: 17.27 Max: 23.05
Current: 23.05
7.41
23.05
ROE % 7.80
UBSH's ROE % is ranked lower than
56% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. UBSH: 7.80 )
Ranked among companies with meaningful ROE % only.
UBSH' s ROE % Range Over the Past 10 Years
Min: 1.03  Med: 7.09 Max: 9.6
Current: 7.8
1.03
9.6
ROA % 0.96
UBSH's ROA % is ranked higher than
55% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UBSH: 0.96 )
Ranked among companies with meaningful ROA % only.
UBSH' s ROA % Range Over the Past 10 Years
Min: 0.33  Med: 0.86 Max: 0.96
Current: 0.96
0.33
0.96
3-Year Revenue Growth Rate 0.20
UBSH's 3-Year Revenue Growth Rate is ranked lower than
70% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. UBSH: 0.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UBSH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: 3.9 Max: 49.6
Current: 0.2
-27.1
49.6
3-Year EBITDA Growth Rate -1.00
UBSH's 3-Year EBITDA Growth Rate is ranked lower than
69% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. UBSH: -1.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UBSH' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -13.6  Med: 3.6 Max: 34
Current: -1
-13.6
34
3-Year EPS without NRI Growth Rate 8.90
UBSH's 3-Year EPS without NRI Growth Rate is ranked higher than
55% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UBSH: 8.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UBSH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -53.9  Med: 8.9 Max: 93.2
Current: 8.9
-53.9
93.2
GuruFocus has detected 4 Warning Signs with Union Bankshares Corp $UBSH.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UBSH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

UBSH Guru Trades in Q1 2016

Jim Simons 583,905 sh (+11.64%)
Keeley Asset Management Corp 46,925 sh (-95.81%)
» More
Q2 2016

UBSH Guru Trades in Q2 2016

Paul Tudor Jones 10,058 sh (New)
Jim Simons 625,405 sh (+7.11%)
Keeley Asset Management Corp 39,300 sh (-16.25%)
» More
Q3 2016

UBSH Guru Trades in Q3 2016

Paul Tudor Jones 25,258 sh (+151.12%)
Jim Simons 655,005 sh (+4.73%)
Keeley Asset Management Corp 39,300 sh (unchged)
» More
Q4 2016

UBSH Guru Trades in Q4 2016

Jim Simons 684,205 sh (+4.46%)
Keeley Asset Management Corp 37,200 sh (-5.34%)
Paul Tudor Jones 9,901 sh (-60.80%)
» More
» Details

Insider Trades

Latest Guru Trades with UBSH

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:AMEX:PRK, NAS:FRME, NAS:ABCB, NYSE:YDKN, NAS:BANF, NAS:INDB, NAS:WABC, NAS:NBTB, NAS:FFBC, NAS:WSFS, NAS:WSBC, NYSE:FBP, NAS:BPFH, NAS:RNST, NAS:SFNC, AMEX:TMP, NAS:BNCN, NAS:FIBK, NAS:BANR, NAS:STBA » details
Traded in other countries:UIO.Germany,
Union Bankshares Corp provides financial services through its community bank subsidiary and three non-bank financial services affiliates. It operates through two segments, traditional full service community banking & mortgage loan origination.

Union Bankshares Corp is a bank holding company organized under Virginia law on July 1993 merger of Northern Neck Bankshares Corporation and Union Bancorp, Inc. The Company provides full service banking and other financial services to the Northern, Central, Rappahannock, Roanoke Valley, Shenandoah, Tidewater, and Northern Neck regions of Virginia. The Subsidiary Banks operate 144 locations. The Company has two reportable segments: its traditional full service community banking business and its mortgage loan origination business. The community bank business includes one subsidiary bank, which provides loan, deposit, investment, and trust services to retail and commercial customers throughout its 90 retail locations in Virginia. The Subsidiary Banks are full service community banks offering consumers and businesses a wide 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 Subsidiary Banks issue credit cards and delivers ATM services through the use of reciprocally shared ATMs in the ATM networks as well as remote ATMs for the convenience of customers and other consumers. The Subsidiary Banks also offer internet banking services and online bill payment for all customers, whether retail or commercial. The Subsidiary Banks also offer private banking and trust services to individuals and corporations through a Wealth Management Group. The mortgage segment includes one mortgage company, which provides a variety of mortgage loan products principally in Virginia, North Carolina, South Carolina, Maryland, and the Washington D.C. metro area. The Company and its bank subsidiaries are extensively and increasingly regulated under both federal and state laws.

Ratios

vs
industry
vs
history
PE Ratio 20.90
UBSH's PE Ratio is ranked lower than
75% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. UBSH: 20.90 )
Ranked among companies with meaningful PE Ratio only.
UBSH' s PE Ratio Range Over the Past 10 Years
Min: 10.8  Med: 16.03 Max: 99.28
Current: 20.9
10.8
99.28
Forward PE Ratio 19.19
UBSH's Forward PE Ratio is ranked lower than
79% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. UBSH: 19.19 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 20.90
UBSH's PE Ratio without NRI is ranked lower than
74% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. UBSH: 20.90 )
Ranked among companies with meaningful PE Ratio without NRI only.
UBSH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.8  Med: 16.03 Max: 99.28
Current: 20.9
10.8
99.28
Price-to-Owner-Earnings 18.87
UBSH's Price-to-Owner-Earnings is ranked lower than
63% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. UBSH: 18.87 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UBSH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.69  Med: 14.08 Max: 292.83
Current: 18.87
3.69
292.83
PB Ratio 1.62
UBSH's PB Ratio is ranked lower than
72% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UBSH: 1.62 )
Ranked among companies with meaningful PB Ratio only.
UBSH' s PB Ratio Range Over the Past 10 Years
Min: 0.52  Med: 1.1 Max: 2.24
Current: 1.62
0.52
2.24
PS Ratio 4.90
UBSH's PS Ratio is ranked lower than
75% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. UBSH: 4.90 )
Ranked among companies with meaningful PS Ratio only.
UBSH' s PS Ratio Range Over the Past 10 Years
Min: 1.32  Med: 2.91 Max: 85.83
Current: 4.9
1.32
85.83
Price-to-Free-Cash-Flow 25.03
UBSH's Price-to-Free-Cash-Flow is ranked lower than
76% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. UBSH: 25.03 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UBSH' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.62  Med: 11.72 Max: 121.08
Current: 25.03
2.62
121.08
Price-to-Operating-Cash-Flow 23.18
UBSH's Price-to-Operating-Cash-Flow is ranked lower than
79% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. UBSH: 23.18 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UBSH' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.53  Med: 10.22 Max: 1924.29
Current: 23.18
2.53
1924.29
EV-to-EBIT 22.67
UBSH's EV-to-EBIT is ranked lower than
77% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. UBSH: 22.67 )
Ranked among companies with meaningful EV-to-EBIT only.
UBSH' s EV-to-EBIT Range Over the Past 10 Years
Min: -12  Med: 18.5 Max: 63.2
Current: 22.67
-12
63.2
EV-to-EBITDA 19.27
UBSH's EV-to-EBITDA is ranked lower than
75% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. UBSH: 19.27 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBSH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -13.4  Med: 14.2 Max: 30.5
Current: 19.27
-13.4
30.5
PEG Ratio 6.56
UBSH's PEG Ratio is ranked lower than
89% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. UBSH: 6.56 )
Ranked among companies with meaningful PEG Ratio only.
UBSH' s PEG Ratio Range Over the Past 10 Years
Min: 0.83  Med: 1.91 Max: 26
Current: 6.56
0.83
26
Shiller PE Ratio 29.72
UBSH's Shiller PE Ratio is ranked lower than
72% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. UBSH: 29.72 )
Ranked among companies with meaningful Shiller PE Ratio only.
UBSH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.05  Med: 14.25 Max: 30.13
Current: 29.72
7.05
30.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.10
UBSH's Dividend Yield % is ranked lower than
62% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. UBSH: 2.10 )
Ranked among companies with meaningful Dividend Yield % only.
UBSH' s Dividend Yield % Range Over the Past 10 Years
Min: 1.34  Med: 2.4 Max: 6.48
Current: 2.1
1.34
6.48
Dividend Payout Ratio 0.45
UBSH's Dividend Payout Ratio is ranked higher than
73% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UBSH: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UBSH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.45 Max: 1.58
Current: 0.45
0.26
1.58
3-Year Dividend Growth Rate 12.60
UBSH's 3-Year Dividend Growth Rate is ranked higher than
64% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. UBSH: 12.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UBSH' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -29.9  Med: 13 Max: 29.3
Current: 12.6
-29.9
29.3
Forward Dividend Yield % 2.15
UBSH's Forward Dividend Yield % is ranked lower than
64% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. UBSH: 2.15 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.68
UBSH's 5-Year Yield-on-Cost % is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. UBSH: 5.68 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UBSH' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.62  Med: 6.49 Max: 17.51
Current: 5.68
3.62
17.51
3-Year Average Share Buyback Ratio -20.40
UBSH's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. UBSH: -20.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UBSH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -24.6  Med: -5.1 Max: 1.3
Current: -20.4
-24.6
1.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.36
UBSH's Price-to-Tangible-Book is ranked lower than
85% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. UBSH: 2.36 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UBSH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.98  Med: 1.68 Max: 2.97
Current: 2.36
0.98
2.97
Price-to-Intrinsic-Value-Projected-FCF 1.10
UBSH's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
71% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UBSH: 1.10 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UBSH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.62  Med: 0.95 Max: 2.26
Current: 1.1
0.62
2.26
Price-to-Median-PS-Value 1.69
UBSH's Price-to-Median-PS-Value is ranked lower than
86% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. UBSH: 1.69 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UBSH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.54  Med: 1.17 Max: 29.41
Current: 1.69
0.54
29.41
Price-to-Graham-Number 1.48
UBSH's Price-to-Graham-Number is ranked lower than
83% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. UBSH: 1.48 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UBSH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.67  Med: 1.15 Max: 1.74
Current: 1.48
0.67
1.74
Earnings Yield (Greenblatt) % 4.42
UBSH's Earnings Yield (Greenblatt) % is ranked lower than
58% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UBSH: 4.42 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UBSH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.6  Med: 5.3 Max: 11.8
Current: 4.42
1.6
11.8
Forward Rate of Return (Yacktman) % 8.98
UBSH's Forward Rate of Return (Yacktman) % is ranked lower than
56% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. UBSH: 8.98 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UBSH' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -17  Med: 11.3 Max: 25.3
Current: 8.98
-17
25.3

More Statistics

Revenue (TTM) (Mil) $336.1
EPS (TTM) $ 1.77
Beta1.25
Short Percentage of Float0.55%
52-Week Range $21.56 - 38.06
Shares Outstanding (Mil)43.61

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.94 2.38
EPS without NRI ($) 1.94 2.38
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.83
» More Articles for UBSH

Headlines

Articles On GuruFocus.com
Tom Gayner – Slow to Sell, but Selling UBSH Feb 20 2013 
Markel Corp. Makes Fifth UBSH Stake Reduction Dec 17 2012 
Tom Gayner Continues Tiny Reductions of Union First Market Bankshares Nov 29 2012 
Markel’s Tom Gayner Reduces Union First Market Bankshares after Strong Gains Nov 06 2012 
Answers from Tom Gayner's Interview with GuruFocus Jan 09 2012 
Union Bankshares Corp. Reports Operating Results (10-Q) Nov 09 2010 
Union Bankshares Corp. Reports Operating Results (10-Q) Aug 09 2010 
Union Bankshares Corp. (ubsh) EVP & CFO D Anthony Peay sells 1,500 Shares May 12 2010 
Union Bankshares Corp. Reports Operating Results (10-Q) May 10 2010 
Union Bankshares Corp. Reports Operating Results (10-Q) Nov 09 2009 

More From Other Websites
UNION BANKSHARES CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 22 2017
Union Bankshares Corporation To Present At Raymond James 38th Annual Institutional Investors... Feb 20 2017
UNION BANKSHARES CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 09 2017
UNION BANKSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 26 2017
Union Bankshares Corp. :UBSH-US: Earnings Analysis: Q4, 2016 By the Numbers : January 26, 2017 Jan 26 2017
Union Bankshares Corporation Declares Quarterly Dividend Jan 26 2017
Edited Transcript of UBSH earnings conference call or presentation 24-Jan-17 2:00pm GMT Jan 24 2017
UNION BANKSHARES CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 24 2017
Union Bankshares posts 4Q profit Jan 24 2017
Union Bankshares posts 4Q profit Jan 24 2017
Union Bankshares Reports Fourth Quarter and Full Year Results Jan 24 2017
Q4 2016 Union Bankshares Corp Earnings Release - Before Market Open Jan 24 2017
Union Bankshares Corp. breached its 50 day moving average in a Bearish Manner : UBSH-US : January... Jan 18 2017
Union Bankshares Corp. : UBSH-US: Dividend Analysis : November 14th, 2016 (record date) : By the... Jan 11 2017
UNION BANKSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 10 2017
Union Bankshares Corporation to Release Fourth Quarter and Fiscal 2016 Results Jan 10 2017
UNION BANKSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 04 2017
John Asbury Becomes CEO of Union Bankshares Corporation Jan 03 2017
John Asbury Becomes CEO of Union Bankshares Corporation Jan 03 2017
Union Bankshares downgraded by Raymond James Dec 12 2016

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