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20.18 (1y: +44%)
Market Cap 498.37 M P/E(ttm) 14.30
Enterprise Value 635.73 M P/B 1.17
UBSH- NAS (USA)
Union First Market Bankshares Corp
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$20.18
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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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.385
UBSH's Cash to Debt is ranked lower than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. UBSH: 0.385 )
UBSH' s 10-Year Cash to Debt Range
Min: 0.14   Max: 0.62
Current: 0.39
0.14
0.62
Equity to Asset 0.088
UBSH's Equity to Asset is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBSH: 0.088 )
UBSH' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.09
0.06
0.1
Interest Coverage No Debt
UBSH's Interest Coverage is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. UBSH: No Debt )
UBSH' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.37
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 (%) 25.50
UBSH's Operating margin (%) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. UBSH: 25.50 )
UBSH' s 10-Year Operating margin (%) Range
Min: 8.2   Max: 37.3
Current: 25.5
8.2
37.3
Net-margin (%) 18.1
UBSH's Net-margin (%) is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. UBSH: 18.1 )
UBSH' s 10-Year Net-margin (%) Range
Min: 7.4   Max: 26.2
Current: 18.1
7.4
26.2
ROE (%) 8.1
UBSH's ROE (%) is ranked higher than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. UBSH: 8.1 )
UBSH' s 10-Year ROE (%) Range
Min: 3   Max: 14.1
Current: 8.1
3
14.1
ROA (%) 0.9
UBSH's ROA (%) is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBSH: 0.9 )
UBSH' s 10-Year ROA (%) Range
Min: 0.3   Max: 1.4
Current: 0.9
0.3
1.4
ROC (Joel Greenblatt) (%) 61.70
UBSH's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 45.20 vs. UBSH: 61.70 )
UBSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 6.2   Max: 816.5
Current: 61.7
6.2
816.5
Revenue Growth (%) 0.4
UBSH's Revenue Growth (%) is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UBSH: 0.4 )
UBSH' s 10-Year Revenue Growth (%) Range
Min: -1.3   Max: 10.5
Current: 0.4
-1.3
10.5
EBITDA Growth (%) 18.2
UBSH's EBITDA Growth (%) is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. UBSH: 18.2 )
UBSH' s 10-Year EBITDA Growth (%) Range
Min: -21   Max: 24
Current: 18.2
-21
24
EPS Growth (%) 63.9
UBSH's EPS Growth (%) is ranked higher than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. UBSH: 63.9 )
UBSH' s 10-Year EPS Growth (%) Range
Min: -44.1   Max: 63.9
Current: 63.9
-44.1
63.9
» UBSH's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

UBSH Guru Trades in Q2 2012

Jim Simons 10,900 sh (New)
Tom Gayner 3,504,920 sh (unchged)
» More
Q3 2012

UBSH Guru Trades in Q3 2012

Tom Gayner 3,504,920 sh (unchged)
Jim Simons Sold Out
» More
Q4 2012

UBSH Guru Trades in Q4 2012

Tom Gayner 2,624,481 sh (-25.12%)
» More
Q1 2013

UBSH Guru Trades in Q1 2013

Jim Simons 58,600 sh (New)
Tom Gayner 1,898,339 sh (-27.67%)
» More
» Details

Insider Trades

Latest Guru Trades with UBSH

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Tom Gayner 2013-03-31 Reduce -27.67%0.47%$15.77 - $19.93 $ 20.1813%1898339
Tom Gayner 2012-12-31 Reduce -25.12%0.58%$14.41 - $15.87 $ 20.1832%2624481
Tom Gayner 2010-03-31 New Buy3.28%$11.79 - $14.99 $ 20.1855%3504920
Premium More recent guru trades are included for Premium Members only!!

Top Ranked Articles about Union First Market Bankshares Corp

Tom Gayner – Slow to Sell, but Selling UBSH
February 20, 2013
Tom Gayner - Tom Gayner – Slow To Sell, But Selling UBSH
Tom Gayner, president and chief investment officer at Markel Corp. (MKL) and president of its subsidiary Markel Corp, continues to shed Union First Market Bankshares (UBSH) in his third reduction this month, according to GuruFocus Real Time Picks. On Feb. 15, the typical long-term holder Gayner reduced another 1.69% of Union First Market Bankshares Corp (UBSH) at the average price of $17.76 that day, as reported in the latest insider filings. Read more...
Markel Corp. Makes Fifth UBSH Stake Reduction
December 17, 2012
Tom Gayner - Markel Corp. Makes Fifth UBSH Stake Reduction
Tom Gayner’s Markel Gayner Asset Management Corp. has reported its fifth miniscule share reduction to its Union First Market Bank (UBSH) stake. Its two latest transactions were reported Dec. 10 and 11 on GuruFocus Real Time Picks, costing the investment company 0.29 percent and 0.15 percent of its stake, respectively. Read more...
Tom Gayner Continues Tiny Reductions of Union First Market Bankshares
November 29, 2012
Tom Gayner - Tom Gayner Continues Tiny Reductions Of Union First Market Bankshares
Tom Gayner, of Markel Gayner Asset Management Corp., has shed less than 1 percent of his shares of Union First Market Bankshares as of Nov. 27, according to GuruFocus Real Time Picks. The reduction, totaling 0.42 percent of his current shares, is the third time he decreased his stake after first introducing the stock to his portfolio in the first quarter of 2010. Read more...
Markel’s Tom Gayner Reduces Union First Market Bankshares after Strong Gains
November 6, 2012
Tom Gayner - Markel’s Tom Gayner Reduces Union First Market Bankshares After Strong Gains
Tom Gayner, chief investment officer of insurance company Markel Corp., has shed 1.72 percent of his holding of Union First Market Bankshares Corp. (UBSH) by selling 60,222 shares in the first week of November, GuruFocus Real Time Picks reports. At an average price of close to $15.50 per share, the transaction was worth approximately $933 million in total. Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 14.30
UBSH's P/E(ttm) is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. UBSH: 14.30 )
UBSH' s 10-Year P/E(ttm) Range
Min: 9.6   Max: 99.28
Current: 14.3
9.6
99.28
P/B 1.17
UBSH's P/B is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UBSH: 1.17 )
UBSH' s 10-Year P/B Range
Min: 0.51   Max: 2.38
Current: 1.17
0.51
2.38
P/S 2.71
UBSH's P/S is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. UBSH: 2.71 )
UBSH' s 10-Year P/S Range
Min: 1.3   Max: 4.54
Current: 2.71
1.3
4.54
PFCF 87.74
UBSH's PFCF is ranked lower than
84% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UBSH: 87.74 )
UBSH' s 10-Year PFCF Range
Min: 2.61   Max: 162.1
Current: 87.74
2.61
162.1
EV-to-EBIT 12.53
UBSH's EV-to-EBIT is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. UBSH: 12.53 )
UBSH' s 10-Year EV-to-EBIT Range
Min: 8.5   Max: 63.2
Current: 12.53
8.5
63.2
PEG 1.4
UBSH's PEG is ranked lower than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. UBSH: 1.4 )
UBSH' s 10-Year PEG Range
Min: 0.43   Max: 25.73
Current: 1.4
0.43
25.73
Shiller P/E 19.19
UBSH's Shiller P/E is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. UBSH: 19.19 )
UBSH' s 10-Year Shiller P/E Range
Min: 6.55   Max: 23.95
Current: 19.19
6.55
23.95

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.38
UBSH's Dividend Yield is ranked higher than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. UBSH: 2.38 )
UBSH' s 10-Year Dividend Yield Range
Min: 1.34   Max: 6.48
Current: 2.38
1.34
6.48
Dividend Payout 0.3
UBSH's Dividend Payout is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. UBSH: 0.3 )
UBSH' s 10-Year Dividend Payout Range
Min: 0.24   Max: 0.69
Current: 0.3
0.24
0.69
Dividend growth (3y) 5.4
UBSH's Dividend growth (3y) is ranked higher than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. UBSH: 5.4 )
UBSH' s 10-Year Dividend growth (3y) Range
Min: -23.4   Max: 12.5
Current: 5.4
-23.4
12.5
Yield on cost (5-Year) 1.16
UBSH's Yield on cost (5-Year) is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. UBSH: 1.16 )
UBSH' s 10-Year Yield on cost (5-Year) Range
Min: 0.65   Max: 3.14
Current: 1.16
0.65
3.14
Share Buyback Rate -14.2
UBSH's Share Buyback Rate is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. UBSH: -14.2 )
UBSH' s 10-Year Share Buyback Rate Range
Min: -0.4   Max: -17.7
Current: -14.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.4
UBSH's Price/Tangible Book is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UBSH: 1.4 )
UBSH' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 3
Current: 1.4
0.9
3
Price/DCF (Projected) 1
UBSH's Price/DCF (Projected) is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. UBSH: 1 )
UBSH' s 10-Year Price/DCF (Projected) Range
Min: 0.6   Max: 1.3
Current: 1
0.6
1.3
Price/Median PS Value 1
UBSH's Price/Median PS Value is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBSH: 1 )
UBSH' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.6
Current: 1
0.6
1.6
Price/Peter Lynch Fair Value 2.5
UBSH's Price/Peter Lynch Fair Value is ranked lower than
89% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UBSH: 2.5 )
UBSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 2
Current: 2.5
0.6
2
Price/Graham Number 1
UBSH's Price/Graham Number is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBSH: 1 )
UBSH' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.5
Current: 1
0.7
1.5
Earnings Yield (Greenblatt) 8.00
UBSH's Earnings Yield (Greenblatt) is ranked higher than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UBSH: 8.00 )
UBSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 11.8
Current: 8
1.6
11.8
Forward Rate of Return (Yacktman) 14.39
UBSH's Forward Rate of Return (Yacktman) is ranked higher than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. UBSH: 14.39 )
UBSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -11.8   Max: 33.6
Current: 14.39
-11.8
33.6

Business Description

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: 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. Union First Market Bank operates 99 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 11 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 Associatio
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
» 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 

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