Switch to:
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 0.24
UBSH's Cash to Debt is ranked lower than
81% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. UBSH: 0.24 )
Ranked among companies with meaningful Cash to Debt only.
UBSH' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.38 Max: 0.96
Current: 0.24
0.14
0.96
Equity to Asset 0.13
UBSH's Equity to Asset is ranked higher than
75% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UBSH: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
UBSH' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.14
Current: 0.13
0.08
0.14
Interest Coverage 3.62
UBSH's Interest Coverage is ranked higher than
71% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. UBSH: 3.62 )
Ranked among companies with meaningful Interest Coverage only.
UBSH' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 1.07 Max: 3.51
Current: 3.62
0.19
3.51
F-Score: 5
WACC vs ROIC
7.66%
4.61%
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 (%) 28.53
UBSH's Operating margin (%) is ranked lower than
57% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. UBSH: 28.53 )
Ranked among companies with meaningful Operating margin (%) only.
UBSH' s Operating margin (%) Range Over the Past 10 Years
Min: -132.42  Med: 21.48 Max: 37.33
Current: 28.53
-132.42
37.33
Net-margin (%) 21.17
UBSH's Net-margin (%) is ranked lower than
55% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. UBSH: 21.17 )
Ranked among companies with meaningful Net-margin (%) only.
UBSH' s Net-margin (%) Range Over the Past 10 Years
Min: 7.41  Med: 17.38 Max: 87.53
Current: 21.17
7.41
87.53
ROE (%) 6.78
UBSH's ROE (%) is ranked lower than
60% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. UBSH: 6.78 )
Ranked among companies with meaningful ROE (%) only.
UBSH' s ROE (%) Range Over the Past 10 Years
Min: 1.03  Med: 7.66 Max: 14.51
Current: 6.78
1.03
14.51
ROA (%) 0.89
UBSH's ROA (%) is ranked higher than
53% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. UBSH: 0.89 )
Ranked among companies with meaningful ROA (%) only.
UBSH' s ROA (%) Range Over the Past 10 Years
Min: 0.33  Med: 0.86 Max: 1.42
Current: 0.89
0.33
1.42
Revenue Growth (3Y)(%) -3.70
UBSH's Revenue Growth (3Y)(%) is ranked lower than
72% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. UBSH: -3.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBSH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.80 Max: 49.5
Current: -3.7
0
49.5
EBITDA Growth (3Y)(%) -1.70
UBSH's EBITDA Growth (3Y)(%) is ranked lower than
68% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. UBSH: -1.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBSH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.75 Max: 34.2
Current: -1.7
0
34.2
EPS Growth (3Y)(%) 2.20
UBSH's EPS Growth (3Y)(%) is ranked lower than
62% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. UBSH: 2.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBSH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -54  Med: 6.25 Max: 93.4
Current: 2.2
-54
93.4
» UBSH's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

UBSH Guru Trades in Q1 2015

John Keeley 1,764,775 sh (+10.40%)
Jim Simons 384,605 sh (+2.67%)
» More
Q2 2015

UBSH Guru Trades in Q2 2015

Jim Simons 407,705 sh (+6.01%)
John Keeley 1,726,100 sh (-2.19%)
» More
Q3 2015

UBSH Guru Trades in Q3 2015

Jim Simons 448,905 sh (+10.11%)
John Keeley 1,610,385 sh (-6.70%)
» More
Q4 2015

UBSH Guru Trades in Q4 2015

Jim Simons 523,005 sh (+16.51%)
John Keeley 1,119,504 sh (-30.48%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.30
UBSH's P/E(ttm) is ranked lower than
68% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. UBSH: 15.30 )
Ranked among companies with meaningful P/E(ttm) only.
UBSH' s P/E(ttm) Range Over the Past 10 Years
Min: 10.8  Med: 15.78 Max: 99.28
Current: 15.3
10.8
99.28
Forward P/E 10.40
UBSH's Forward P/E is ranked lower than
58% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. UBSH: 10.40 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.30
UBSH's PE(NRI) is ranked lower than
65% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. UBSH: 15.30 )
Ranked among companies with meaningful PE(NRI) only.
UBSH' s PE(NRI) Range Over the Past 10 Years
Min: 10.72  Med: 15.78 Max: 99.28
Current: 15.3
10.72
99.28
P/B 0.99
UBSH's P/B is ranked higher than
53% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UBSH: 0.99 )
Ranked among companies with meaningful P/B only.
UBSH' s P/B Range Over the Past 10 Years
Min: 0.52  Med: 1.11 Max: 2.38
Current: 0.99
0.52
2.38
P/S 3.18
UBSH's P/S is ranked lower than
62% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. UBSH: 3.18 )
Ranked among companies with meaningful P/S only.
UBSH' s P/S Range Over the Past 10 Years
Min: 1.29  Med: 2.94 Max: 87.54
Current: 3.18
1.29
87.54
PFCF 10.86
UBSH's PFCF is ranked lower than
61% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. UBSH: 10.86 )
Ranked among companies with meaningful PFCF only.
UBSH' s PFCF Range Over the Past 10 Years
Min: 3.66  Med: 14.52 Max: 118.53
Current: 10.86
3.66
118.53
POCF 10.35
UBSH's POCF is ranked lower than
66% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. UBSH: 10.35 )
Ranked among companies with meaningful POCF only.
UBSH' s POCF Range Over the Past 10 Years
Min: 2.53  Med: 11.01 Max: 1347
Current: 10.35
2.53
1347
EV-to-EBIT 16.23
UBSH's EV-to-EBIT is ranked lower than
64% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. UBSH: 16.23 )
Ranked among companies with meaningful EV-to-EBIT only.
UBSH' s EV-to-EBIT Range Over the Past 10 Years
Min: -12  Med: 18.10 Max: 63.2
Current: 16.23
-12
63.2
EV-to-EBITDA 12.66
UBSH's EV-to-EBITDA is ranked lower than
58% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. UBSH: 12.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBSH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -13.7  Med: 14.30 Max: 30.5
Current: 12.66
-13.7
30.5
PEG 1.58
UBSH's PEG is ranked lower than
67% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBSH: 1.58 )
Ranked among companies with meaningful PEG only.
UBSH' s PEG Range Over the Past 10 Years
Min: 0.59  Med: 1.67 Max: 26
Current: 1.58
0.59
26
Shiller P/E 16.90
UBSH's Shiller P/E is ranked lower than
57% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. UBSH: 16.90 )
Ranked among companies with meaningful Shiller P/E only.
UBSH' s Shiller P/E Range Over the Past 10 Years
Min: 7.1  Med: 14.11 Max: 26.14
Current: 16.9
7.1
26.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.28
UBSH's Dividend Yield is ranked higher than
52% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. UBSH: 3.28 )
Ranked among companies with meaningful Dividend Yield only.
UBSH' s Dividend Yield Range Over the Past 10 Years
Min: 1.34  Med: 2.28 Max: 6.48
Current: 3.28
1.34
6.48
Dividend Payout 0.45
UBSH's Dividend Payout is ranked lower than
68% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. UBSH: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
UBSH' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.49 Max: 6
Current: 0.45
0.19
6
Dividend Growth (3y) 27.50
UBSH's Dividend Growth (3y) is ranked higher than
85% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. UBSH: 27.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UBSH' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -29.9  Med: 11.05 Max: 29.3
Current: 27.5
-29.9
29.3
Forward Dividend Yield 3.46
UBSH's Forward Dividend Yield is ranked higher than
57% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. UBSH: 3.46 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.60
UBSH's Yield on cost (5-Year) is ranked higher than
80% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. UBSH: 7.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UBSH' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.1  Med: 5.28 Max: 15.01
Current: 7.6
3.1
15.01
3-Year Average Share Buyback Ratio -21.00
UBSH's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. UBSH: -21.00 )
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: -24.3  Med: -2.95 Max: 0.3
Current: -21
-24.3
0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.45
UBSH's Price/Tangible Book is ranked lower than
71% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UBSH: 1.45 )
Ranked among companies with meaningful Price/Tangible Book only.
UBSH' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.83  Med: 1.68 Max: 3.09
Current: 1.45
0.83
3.09
Price/Projected FCF 0.72
UBSH's Price/Projected FCF is ranked lower than
61% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. UBSH: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
UBSH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.96 Max: 2.28
Current: 0.72
0.47
2.28
Price/Median PS Value 1.08
UBSH's Price/Median PS Value is ranked lower than
67% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. UBSH: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
UBSH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.13 Max: 29.7
Current: 1.08
0.47
29.7
Price/Graham Number 1.00
UBSH's Price/Graham Number is ranked lower than
69% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. UBSH: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
UBSH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 1.12 Max: 2.25
Current: 1
0.62
2.25
Earnings Yield (Greenblatt) (%) 6.20
UBSH's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UBSH: 6.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBSH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 5.40 Max: 11.8
Current: 6.2
1.6
11.8
Forward Rate of Return (Yacktman) (%) 12.44
UBSH's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. UBSH: 12.44 )
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: 11.30 Max: 25.4
Current: 12.44
-17
25.4

More Statistics

Revenue(Mil) $317
EPS $ 1.49
Beta1.15
Short Percentage of Float2.31%
52-Week Range $20.57 - 27.25
Shares Outstanding(Mil)44.92

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.82 2.11
EPS without NRI($) 1.82 2.11

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:UIO.Germany,
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.
» 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/A, Regulation FD Disclosure, Financial Statements and... Feb 08 2016
UNION BANKSHARES CORP Files SEC form 8-K, Regulation FD Disclosure Feb 05 2016
UNION BANKSHARES CORP Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal... Feb 02 2016
UNION BANKSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 28 2016
Union Bankshares Corporation Declares Quarterly Dividend Jan 28 2016
Union Bankshares Corporation Declares Quarterly Dividend Jan 28 2016
Union Bankshares Corp. Earnings Analysis: Q4, 2015 By the Numbers Jan 22 2016
UNION BANKSHARES CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 20 2016
Edited Transcript of UBSH earnings conference call or presentation 20-Jan-16 2:00pm GMT Jan 20 2016
Union Bankshares posts 4Q profit Jan 20 2016
Union Bankshares posts 4Q profit Jan 20 2016
Union Bankshares Reports Fourth Quarter And Full Year Results Jan 20 2016
Union Bankshares Reports Fourth Quarter And Full Year Results Jan 20 2016
Q4 2015 Union Bankshares Corp Earnings Release - Before Market Open Jan 20 2016
UNION BANKSHARES CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 13 2016
Union Bankshares Corporation to Release Fourth Quarter and Fiscal Year 2015 Results Jan 08 2016
Union Bankshares Corporation to Release Fourth Quarter and Fiscal Year 2015 Results Jan 08 2016
UNION BANKSHARES CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Dec 16 2015
Union Bankshares Corp. breached its 50 day moving average in a Bearish Manner : December 14, 2015 Dec 14 2015
UNION BANKSHARES CORP Financials Dec 08 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK