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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 0.30
UBSH's Cash to Debt is ranked higher than
60% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. UBSH: 0.30 )
UBSH' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.3

Equity to Asset 0.14
UBSH's Equity to Asset is ranked higher than
90% of the 2021 Companies
in the Global Banks - Regional - US industry.

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

0.08
0.14
Interest Coverage 2.29
UBSH's Interest Coverage is ranked higher than
78% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 5
Z-Score: 0.23
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
62% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. UBSH: 20.77 )
UBSH' s 10-Year Operating margin (%) Range
Min: -289.82   Max: 38.89
Current: 20.77

-289.82
38.89
Net-margin (%) 15.92
UBSH's Net-margin (%) is ranked higher than
65% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 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
65% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 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
72% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBSH: 0.76 )
UBSH' s 10-Year ROA (%) Range
Min: 0.33   Max: 1.43
Current: 0.76

0.33
1.43
ROC (Joel Greenblatt) (%) 32.97
UBSH's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. UBSH: 32.97 )
UBSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.19   Max: 102.62
Current: 32.97

8.19
102.62
Revenue Growth (3Y)(%) -1.20
UBSH's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. UBSH: -1.20 )
UBSH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.8   Max: 103.6
Current: -1.2

-1.8
103.6
EBITDA Growth (3Y)(%) 6.40
UBSH's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. UBSH: 6.40 )
UBSH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.9   Max: 33.1
Current: 6.4

-26.9
33.1
EPS Growth (3Y)(%) 18.50
UBSH's EPS Growth (3Y)(%) is ranked higher than
85% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. UBSH: 18.50 )
UBSH' s 10-Year EPS Growth (3Y)(%) 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

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
Q3 2014

UBSH Guru Trades in Q3 2014

Paul Tudor Jones 19,673 sh (New)
Jim Simons 429,245 sh (+48.83%)
John Keeley 1,268,134 sh (unchged)
» 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 $ 24.18-2%1285534
Tom Gayner 2013-09-30 Sold Out 1.2%$20.81 - $23.32 $ 24.189%0
John Keeley 2013-09-30 New Buy0.35%$20.81 - $23.32 $ 24.189%817943
Tom Gayner 2013-06-30 Reduce -12.64%0.18%$18.24 - $20.59 $ 24.1824%1658339
Tom Gayner 2013-03-31 Reduce -27.67%0.47%$15.77 - $19.93 $ 24.1835%1898339
Tom Gayner 2012-12-31 Reduce -25.12%0.58%$14.41 - $15.87 $ 24.1858%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) 20.90
UBSH's P/E(ttm) is ranked higher than
71% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. UBSH: 20.90 )
UBSH' s 10-Year P/E(ttm) Range
Min: 10.79   Max: 90.71
Current: 20.9

10.79
90.71
P/B 1.10
UBSH's P/B is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. UBSH: 1.10 )
UBSH' s 10-Year P/B Range
Min: 0.52   Max: 2.37
Current: 1.1

0.52
2.37
P/S 3.40
UBSH's P/S is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. UBSH: 3.40 )
UBSH' s 10-Year P/S Range
Min: 1.3   Max: 4.54
Current: 3.4

1.3
4.54
PFCF 8.30
UBSH's PFCF is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSH: 8.30 )
UBSH' s 10-Year PFCF Range
Min: 3.79   Max: 445.22
Current: 8.3

3.79
445.22
EV-to-EBIT 24.05
UBSH's EV-to-EBIT is ranked higher than
67% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. UBSH: 24.05 )
UBSH' s 10-Year EV-to-EBIT Range
Min: 8.5   Max: 63.2
Current: 24.05

8.5
63.2
PEG 1.40
UBSH's PEG is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSH: 1.40 )
UBSH' s 10-Year PEG Range
Min: 0.43   Max: 26
Current: 1.4

0.43
26
Shiller P/E 23.80
UBSH's Shiller P/E is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSH: 23.80 )
UBSH' s 10-Year Shiller P/E Range
Min: 6.55   Max: 26
Current: 23.8

6.55
26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.40
UBSH's Dividend Yield is ranked higher than
53% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. UBSH: 2.40 )
UBSH' s 10-Year Dividend Yield Range
Min: 1.34   Max: 6.48
Current: 2.4

1.34
6.48
Dividend Payout 0.51
UBSH's Dividend Payout is ranked higher than
66% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. UBSH: 0.51 )
UBSH' s 10-Year Dividend Payout Range
Min: 0.19   Max: 6
Current: 0.51

0.19
6
Dividend growth (3y) 29.30
UBSH's Dividend growth (3y) is ranked higher than
93% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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) 5.26
UBSH's Yield on cost (5-Year) is ranked higher than
81% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. UBSH: 5.26 )
UBSH' s 10-Year Yield on cost (5-Year) Range
Min: 2.94   Max: 14.21
Current: 5.26

2.94
14.21
Share Buyback Rate 0.30
UBSH's Share Buyback Rate is ranked higher than
89% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.68
UBSH's Price/Tangible Book is ranked higher than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. UBSH: 1.68 )
UBSH' s 10-Year Price/Tangible Book Range
Min: 0.83   Max: 3.09
Current: 1.68

0.83
3.09
Price/DCF (Projected) 0.95
UBSH's Price/DCF (Projected) is ranked higher than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. UBSH: 0.95 )
UBSH' s 10-Year Price/DCF (Projected) Range
Min: 0.47   Max: 2.31
Current: 0.95

0.47
2.31
Price/Median PS Value 1.18
UBSH's Price/Median PS Value is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. UBSH: 1.18 )
UBSH' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 2.03
Current: 1.18

0.48
2.03
Price/Peter Lynch Fair Value 1.55
UBSH's Price/Peter Lynch Fair Value is ranked higher than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSH: 1.55 )
UBSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 8.53
Current: 1.55

0.53
8.53
Price/Graham Number 1.33
UBSH's Price/Graham Number is ranked higher than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. UBSH: 1.33 )
UBSH' s 10-Year Price/Graham Number Range
Min: 0.59   Max: 1.75
Current: 1.33

0.59
1.75
Earnings Yield (Greenblatt) 4.20
UBSH's Earnings Yield (Greenblatt) is ranked higher than
63% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. UBSH: 4.20 )
UBSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 11.8
Current: 4.2

1.6
11.8
Forward Rate of Return (Yacktman) 19.18
UBSH's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. UBSH: 19.18 )
UBSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -17   Max: 34.3
Current: 19.18

-17
34.3

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 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.
» 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 
Research Requests Mar 12 2011 
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 

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