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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 0.22
UBSH's Cash to Debt is ranked lower than
81% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. UBSH: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
UBSH' s 10-Year Cash to Debt Range
Min: 0.14   Max: N/A
Current: 0.22

Equity to Asset 0.13
UBSH's Equity to Asset is ranked higher than
75% of the 1285 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 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.13

0.08
0.14
Interest Coverage 3.51
UBSH's Interest Coverage is ranked higher than
72% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. UBSH: 3.51 )
Ranked among companies with meaningful Interest Coverage only.
UBSH' s 10-Year Interest Coverage Range
Min: 0.19   Max: 3.51
Current: 3.51

0.19
3.51
F-Score: 6
Z-Score: 0.23
WACC vs ROIC
8.62%
4.34%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 25.75
UBSH's Operating margin (%) is ranked lower than
58% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. UBSH: 25.75 )
Ranked among companies with meaningful Operating margin (%) only.
UBSH' s 10-Year Operating margin (%) Range
Min: -132.42   Max: 38.85
Current: 25.75

-132.42
38.85
Net-margin (%) 19.18
UBSH's Net-margin (%) is ranked lower than
57% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. UBSH: 19.18 )
Ranked among companies with meaningful Net-margin (%) only.
UBSH' s 10-Year Net-margin (%) Range
Min: 7.41   Max: 87.53
Current: 19.18

7.41
87.53
ROE (%) 6.17
UBSH's ROE (%) is ranked lower than
64% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. UBSH: 6.17 )
Ranked among companies with meaningful ROE (%) only.
UBSH' s 10-Year ROE (%) Range
Min: 3.01   Max: 14.92
Current: 6.17

3.01
14.92
ROA (%) 0.83
UBSH's ROA (%) is ranked higher than
51% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. UBSH: 0.83 )
Ranked among companies with meaningful ROA (%) only.
UBSH' s 10-Year ROA (%) Range
Min: 0.33   Max: 1.42
Current: 0.83

0.33
1.42
ROC (Joel Greenblatt) (%) 31.78
UBSH's ROC (Joel Greenblatt) (%) is ranked lower than
74% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. UBSH: 31.78 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UBSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -72.29   Max: 112.3
Current: 31.78

-72.29
112.3
Revenue Growth (3Y)(%) -2.00
UBSH's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UBSH: -2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBSH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 49.5
Current: -2

0
49.5
EBITDA Growth (3Y)(%) -5.00
UBSH's EBITDA Growth (3Y)(%) is ranked lower than
78% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UBSH: -5.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBSH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 34.2
Current: -5

0
34.2
EPS Growth (3Y)(%) 2.10
UBSH's EPS Growth (3Y)(%) is ranked lower than
66% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. UBSH: 2.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBSH' s 10-Year EPS Growth (3Y)(%) Range
Min: -53.9   Max: 93.2
Current: 2.1

-53.9
93.2
» UBSH's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

UBSH Guru Trades in Q4 2014

John Keeley 1,598,475 sh (+26.05%)
John Keeley 1,598,965 sh (+0.03%)
Paul Tudor Jones Sold Out
Jim Simons 374,605 sh (-12.73%)
» More
Q1 2015

UBSH Guru Trades in Q1 2015

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

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.10
UBSH's P/E(ttm) is ranked lower than
64% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. UBSH: 16.10 )
Ranked among companies with meaningful P/E(ttm) only.
UBSH' s 10-Year P/E(ttm) Range
Min: 10.79   Max: 90.71
Current: 16.1

10.79
90.71
Forward P/E 13.23
UBSH's Forward P/E is ranked lower than
65% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. UBSH: 13.23 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.50
UBSH's PE(NRI) is ranked lower than
64% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. UBSH: 16.50 )
Ranked among companies with meaningful PE(NRI) only.
UBSH' s 10-Year PE(NRI) Range
Min: 10.72   Max: 90.71
Current: 16.5

10.72
90.71
P/B 1.00
UBSH's P/B is ranked higher than
61% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBSH: 1.00 )
Ranked among companies with meaningful P/B only.
UBSH' s 10-Year P/B Range
Min: 0.52   Max: 2.37
Current: 1

0.52
2.37
P/S 3.20
UBSH's P/S is ranked lower than
57% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. UBSH: 3.20 )
Ranked among companies with meaningful P/S only.
UBSH' s 10-Year P/S Range
Min: 1.32   Max: 85.11
Current: 3.2

1.32
85.11
PFCF 11.20
UBSH's PFCF is ranked lower than
52% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. UBSH: 11.20 )
Ranked among companies with meaningful PFCF only.
UBSH' s 10-Year PFCF Range
Min: 2.7   Max: 159.45
Current: 11.2

2.7
159.45
POCF 10.54
UBSH's POCF is ranked lower than
57% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. UBSH: 10.54 )
Ranked among companies with meaningful POCF only.
UBSH' s 10-Year POCF Range
Min: 2.55   Max: 165.25
Current: 10.54

2.55
165.25
EV-to-EBIT 18.31
UBSH's EV-to-EBIT is ranked lower than
65% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.34 vs. UBSH: 18.31 )
Ranked among companies with meaningful EV-to-EBIT only.
UBSH' s 10-Year EV-to-EBIT Range
Min: -12   Max: 63.2
Current: 18.31

-12
63.2
PEG 1.72
UBSH's PEG is ranked lower than
69% of the 513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. UBSH: 1.72 )
Ranked among companies with meaningful PEG only.
UBSH' s 10-Year PEG Range
Min: 0.43   Max: 26
Current: 1.72

0.43
26
Shiller P/E 19.90
UBSH's Shiller P/E is ranked lower than
64% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. UBSH: 19.90 )
Ranked among companies with meaningful Shiller P/E only.
UBSH' s 10-Year Shiller P/E Range
Min: 6.55   Max: 26
Current: 19.9

6.55
26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.80
UBSH's Dividend Yield is ranked higher than
55% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UBSH: 2.80 )
Ranked among companies with meaningful Dividend Yield only.
UBSH' s 10-Year Dividend Yield Range
Min: 1.34   Max: 6.48
Current: 2.8

1.34
6.48
Dividend Payout 0.44
UBSH's Dividend Payout is ranked lower than
68% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UBSH: 0.44 )
Ranked among companies with meaningful Dividend Payout only.
UBSH' s 10-Year Dividend Payout Range
Min: 0.19   Max: 6
Current: 0.44

0.19
6
Dividend growth (3y) 27.50
UBSH's Dividend growth (3y) is ranked higher than
82% of the 623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UBSH: 27.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
UBSH' s 10-Year Dividend growth (3y) Range
Min: -29.9   Max: 29.3
Current: 27.5

-29.9
29.3
Yield on cost (5-Year) 6.49
UBSH's Yield on cost (5-Year) is ranked higher than
82% of the 2099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. UBSH: 6.49 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UBSH' s 10-Year Yield on cost (5-Year) Range
Min: 3.1   Max: 15.01
Current: 6.49

3.1
15.01
Share Buyback Rate -21.10
UBSH's Share Buyback Rate is ranked lower than
91% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. UBSH: -21.10 )
Ranked among companies with meaningful Share Buyback Rate only.
UBSH' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -24.3
Current: -21.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
UBSH's Price/Tangible Book is ranked lower than
63% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. UBSH: 1.50 )
Ranked among companies with meaningful Price/Tangible Book only.
UBSH' s 10-Year Price/Tangible Book Range
Min: 0.83   Max: 3.09
Current: 1.5

0.83
3.09
Price/DCF (Projected) 0.70
UBSH's Price/DCF (Projected) is ranked higher than
51% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. UBSH: 0.70 )
Ranked among companies with meaningful Price/DCF (Projected) only.
UBSH' s 10-Year Price/DCF (Projected) Range
Min: 0.47   Max: 2.28
Current: 0.7

0.47
2.28
Price/Median PS Value 1.10
UBSH's Price/Median PS Value is ranked higher than
53% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBSH: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
UBSH' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 29.13
Current: 1.1

0.51
29.13
Price/Peter Lynch Fair Value 3.30
UBSH's Price/Peter Lynch Fair Value is ranked lower than
96% of the 472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. UBSH: 3.30 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UBSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 8.53
Current: 3.3

0.53
8.53
Price/Graham Number 1.00
UBSH's Price/Graham Number is ranked lower than
59% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UBSH: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
UBSH' s 10-Year Price/Graham Number Range
Min: 0.59   Max: 1.71
Current: 1

0.59
1.71
Earnings Yield (Greenblatt) 5.60
UBSH's Earnings Yield (Greenblatt) is ranked lower than
60% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. UBSH: 5.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
UBSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 11.8
Current: 5.6

1.6
11.8
Forward Rate of Return (Yacktman) 15.69
UBSH's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. UBSH: 15.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
UBSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -17   Max: 33.3
Current: 15.69

-17
33.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 
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 

More From Other Websites
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