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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.26
UBSH's Cash to Debt is ranked lower than
83% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. UBSH: 0.26 )
Ranked among companies with meaningful Cash to Debt only.
UBSH' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.35 Max: 0.96
Current: 0.26
0.14
0.96
Equity to Asset 0.12
UBSH's Equity to Asset is ranked higher than
67% of the 1610 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: 0.14
Current: 0.12
0.08
0.14
Interest Coverage 3.55
UBSH's Interest Coverage is ranked higher than
71% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UBSH: 3.55 )
Ranked among companies with meaningful Interest Coverage only.
UBSH' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 1.27 Max: 3.62
Current: 3.55
0.19
3.62
F-Score: 6
M-Score: -2.43
WACC vs ROIC
7.91%
4.81%
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 (%) 29.98
UBSH's Operating margin (%) is ranked lower than
52% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. UBSH: 29.98 )
Ranked among companies with meaningful Operating margin (%) only.
UBSH' s Operating margin (%) Range Over the Past 10 Years
Min: -132.42  Med: 22.13 Max: 29.98
Current: 29.98
-132.42
29.98
Net-margin (%) 22.38
UBSH's Net-margin (%) is ranked higher than
50% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. UBSH: 22.38 )
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: 87.53
Current: 22.38
7.41
87.53
ROE (%) 7.31
UBSH's ROE (%) is ranked lower than
58% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. UBSH: 7.31 )
Ranked among companies with meaningful ROE (%) only.
UBSH' s ROE (%) Range Over the Past 10 Years
Min: 1.03  Med: 7.09 Max: 13.72
Current: 7.31
1.03
13.72
ROA (%) 0.93
UBSH's ROA (%) is ranked higher than
54% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. UBSH: 0.93 )
Ranked among companies with meaningful ROA (%) only.
UBSH' s ROA (%) Range Over the Past 10 Years
Min: 0.33  Med: 0.86 Max: 1.33
Current: 0.93
0.33
1.33
Revenue Growth (3Y)(%) -2.40
UBSH's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. UBSH: -2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBSH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.1  Med: 6.9 Max: 49.6
Current: -2.4
-27.1
49.6
EBITDA Growth (3Y)(%) -2.30
UBSH's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. UBSH: -2.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBSH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.6  Med: 3.6 Max: 34
Current: -2.3
-13.6
34
EPS Growth (3Y)(%) 2.80
UBSH's EPS Growth (3Y)(%) is ranked lower than
64% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UBSH: 2.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBSH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -53.9  Med: 2.8 Max: 93.2
Current: 2.8
-53.9
93.2
» UBSH's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-20)


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

» Details

Guru Trades

Q3 2015

UBSH Guru Trades in Q3 2015

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

UBSH Guru Trades in Q4 2015

Jim Simons 523,005 sh (+16.51%)
Keeley Asset Management Corp 1,119,504 sh (-30.48%)
» More
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
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BNCN, NAS:OPB, NAS:BNCL, NAS:ABCB, AMEX:TMP, NAS:BANF, NAS:WSBC, NAS:FRME, NAS:WABC, NYSE:FBP, NAS:WSFS, NAS:BPFH, NYSE:YDKN, NAS:HOPE, NAS:STBA, NAS:SFBS, NAS:FFBC, NAS:CBF, NAS:RNST, NAS:INDB » 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
P/E(ttm) 16.37
UBSH's P/E(ttm) is ranked lower than
67% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. UBSH: 16.37 )
Ranked among companies with meaningful P/E(ttm) only.
UBSH' s P/E(ttm) Range Over the Past 10 Years
Min: 10.8  Med: 15.98 Max: 99.28
Current: 16.37
10.8
99.28
Forward P/E 13.02
UBSH's Forward P/E is ranked lower than
55% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. UBSH: 13.02 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.37
UBSH's PE(NRI) is ranked lower than
68% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. UBSH: 16.37 )
Ranked among companies with meaningful PE(NRI) only.
UBSH' s PE(NRI) Range Over the Past 10 Years
Min: 10.8  Med: 15.98 Max: 99.28
Current: 16.37
10.8
99.28
Price/Owner Earnings (ttm) 12.68
UBSH's Price/Owner Earnings (ttm) is ranked lower than
51% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. UBSH: 12.68 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UBSH' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.69  Med: 14.02 Max: 292.83
Current: 12.68
3.69
292.83
P/B 1.17
UBSH's P/B is ranked lower than
61% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. UBSH: 1.17 )
Ranked among companies with meaningful P/B only.
UBSH' s P/B Range Over the Past 10 Years
Min: 0.52  Med: 1.1 Max: 2.38
Current: 1.17
0.52
2.38
P/S 3.67
UBSH's P/S is ranked lower than
65% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. UBSH: 3.67 )
Ranked among companies with meaningful P/S only.
UBSH' s P/S Range Over the Past 10 Years
Min: 1.32  Med: 2.91 Max: 85.83
Current: 3.67
1.32
85.83
PFCF 10.96
UBSH's PFCF is ranked lower than
52% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. UBSH: 10.96 )
Ranked among companies with meaningful PFCF only.
UBSH' s PFCF Range Over the Past 10 Years
Min: 3.67  Med: 12.38 Max: 121.08
Current: 10.96
3.67
121.08
POCF 10.61
UBSH's POCF is ranked lower than
59% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. UBSH: 10.61 )
Ranked among companies with meaningful POCF only.
UBSH' s POCF Range Over the Past 10 Years
Min: 2.53  Med: 10.22 Max: 1924.29
Current: 10.61
2.53
1924.29
EV-to-EBIT 18.29
UBSH's EV-to-EBIT is ranked lower than
69% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. UBSH: 18.29 )
Ranked among companies with meaningful EV-to-EBIT only.
UBSH' s EV-to-EBIT Range Over the Past 10 Years
Min: -12  Med: 18.2 Max: 63.2
Current: 18.29
-12
63.2
EV-to-EBITDA 14.85
UBSH's EV-to-EBITDA is ranked lower than
63% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. UBSH: 14.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBSH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -13.4  Med: 13.9 Max: 30.5
Current: 14.85
-13.4
30.5
PEG 4.31
UBSH's PEG is ranked lower than
86% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UBSH: 4.31 )
Ranked among companies with meaningful PEG only.
UBSH' s PEG Range Over the Past 10 Years
Min: 0.66  Med: 1.55 Max: 26
Current: 4.31
0.66
26
Shiller P/E 21.08
UBSH's Shiller P/E is ranked lower than
64% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. UBSH: 21.08 )
Ranked among companies with meaningful Shiller P/E only.
UBSH' s Shiller P/E Range Over the Past 10 Years
Min: 7.1  Med: 14.46 Max: 25.93
Current: 21.08
7.1
25.93

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
UBSH's Dividend Yield is ranked lower than
52% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. UBSH: 2.87 )
Ranked among companies with meaningful Dividend Yield only.
UBSH' s Dividend Yield Range Over the Past 10 Years
Min: 1.34  Med: 2.39 Max: 6.48
Current: 2.87
1.34
6.48
Dividend Payout 0.46
UBSH's Dividend Payout is ranked higher than
73% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UBSH: 0.46 )
Ranked among companies with meaningful Dividend Payout only.
UBSH' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.48 Max: 6
Current: 0.46
0.19
6
Dividend Growth (3y) 22.50
UBSH's Dividend Growth (3y) is ranked higher than
76% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. UBSH: 22.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UBSH' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -29.9  Med: 13 Max: 29.3
Current: 22.5
-29.9
29.3
Forward Dividend Yield 2.80
UBSH's Forward Dividend Yield is ranked lower than
57% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. UBSH: 2.80 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 8.45
UBSH's Yield on cost (5-Year) is ranked higher than
85% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. UBSH: 8.45 )
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: 3.94  Med: 7.03 Max: 19.07
Current: 8.45
3.94
19.07
3-Year Average Share Buyback Ratio -21.00
UBSH's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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: -24.6  Med: -5.1 Max: 1.3
Current: -21
-24.6
1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.73
UBSH's Price/Tangible Book is ranked lower than
78% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. UBSH: 1.73 )
Ranked among companies with meaningful Price/Tangible Book only.
UBSH' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.83  Med: 1.67 Max: 3.09
Current: 1.73
0.83
3.09
Price/Projected FCF 0.77
UBSH's Price/Projected FCF is ranked lower than
63% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. UBSH: 0.77 )
Ranked among companies with meaningful Price/Projected FCF only.
UBSH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.95 Max: 2.28
Current: 0.77
0.47
2.28
Price/Median PS Value 1.26
UBSH's Price/Median PS Value is ranked lower than
78% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. UBSH: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
UBSH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.5  Med: 1.15 Max: 29.41
Current: 1.26
0.5
29.41
Price/Graham Number 1.12
UBSH's Price/Graham Number is ranked lower than
74% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. UBSH: 1.12 )
Ranked among companies with meaningful Price/Graham Number only.
UBSH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 1.11 Max: 2.25
Current: 1.12
0.62
2.25
Earnings Yield (Greenblatt) (%) 5.48
UBSH's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UBSH: 5.48 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBSH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 5.4 Max: 11.8
Current: 5.48
1.6
11.8
Forward Rate of Return (Yacktman) (%) 11.12
UBSH's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. UBSH: 11.12 )
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: 11.5 Max: 24.8
Current: 11.12
-17
24.8

More Statistics

Revenue (TTM) (Mil) $323.2
EPS (TTM) $ 1.62
Beta1.18
Short Percentage of Float1.72%
52-Week Range $20.57 - 27.96
Shares Outstanding (Mil)43.53

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.76 2.08
EPS w/o NRI ($) 1.76 2.08
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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. breached its 50 day moving average in a Bearish Manner : UBSH-US : September... Sep 27 2016
Union Bankshares Corp. breached its 50 day moving average in a Bearish Manner : UBSH-US : September... Sep 15 2016
UNION BANKSHARES CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Sep 07 2016
UNION BANKSHARES CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Aug 24 2016
Union Bankshares Corporation Names John C. Asbury President; To Succeed G. William Beale as CEO in... Aug 24 2016
Union Bankshares Corporation Names John C. Asbury President; To Succeed G. William Beale as CEO in... Aug 24 2016
UNION BANKSHARES CORP Financials Aug 11 2016
UNION BANKSHARES CORP Files SEC form 10-Q, Quarterly Report Aug 04 2016
UNION BANKSHARES CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Aug 02 2016
Union Bankshares Corporation to Present at Keefe, Bruyette & Woods 2016 Community Bank Investor... Jul 26 2016
Union Bankshares Corporation to Present at Keefe, Bruyette & Woods 2016 Community Bank Investor... Jul 26 2016
Union Bankshares Corp. :UBSH-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
UNION BANKSHARES CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 25 2016
Edited Transcript of UBSH earnings conference call or presentation 22-Jul-16 1:00pm GMT Jul 22 2016
Union Bankshares Reports Second Quarter Results and Declares Quarterly Dividend Jul 22 2016
Union Bankshares posts 2Q profit Jul 22 2016
Union Bankshares posts 2Q profit Jul 22 2016
Union Bankshares Reports Second Quarter Results and Declares Quarterly Dividend Jul 22 2016
Q2 2016 Union Bankshares Corp Earnings Release - Before Market Open Jul 22 2016
Union Bankshares Corp. breached its 50 day moving average in a Bullish Manner : UBSH-US : July 15,... Jul 15 2016

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