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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.20
UBSH's Cash-to-Debt is ranked lower than
87% of the 1656 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. UBSH: 0.20 )
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: N/A
Current: 0.2
Equity-to-Asset 0.12
UBSH's Equity-to-Asset is ranked higher than
68% of the 1629 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 3.27
UBSH's Interest Coverage is ranked higher than
70% of the 1583 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UBSH: 3.27 )
Ranked among companies with meaningful Interest Coverage only.
UBSH' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 1.54 Max: 3.62
Current: 3.27
0.19
3.62
Beneish M-Score: -2.53
WACC vs ROIC
6.99%
4.72%
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 : 4/10

vs
industry
vs
history
Operating Margin % 31.41
UBSH's Operating Margin % is ranked lower than
51% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.61 vs. UBSH: 31.41 )
Ranked among companies with meaningful Operating Margin % only.
UBSH' s Operating Margin % Range Over the Past 10 Years
Min: 8.2  Med: 23.52 Max: 31.02
Current: 31.41
8.2
31.02
Net Margin % 23.30
UBSH's Net Margin % is ranked higher than
52% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.71 vs. UBSH: 23.30 )
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: 23.05
Current: 23.3
7.41
23.05
ROE % 7.98
UBSH's ROE % is ranked lower than
55% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. UBSH: 7.98 )
Ranked among companies with meaningful ROE % only.
UBSH' s ROE % Range Over the Past 10 Years
Min: 1.03  Med: 7.09 Max: 9.6
Current: 7.98
1.03
9.6
ROA % 0.96
UBSH's ROA % is ranked higher than
55% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. UBSH: 0.96 )
Ranked among companies with meaningful ROA % only.
UBSH' s ROA % Range Over the Past 10 Years
Min: 0.33  Med: 0.86 Max: 0.96
Current: 0.96
0.33
0.96
3-Year Revenue Growth Rate 0.20
UBSH's 3-Year Revenue Growth Rate is ranked lower than
71% of the 1397 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. UBSH: 0.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UBSH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: 6.9 Max: 103.9
Current: 0.2
-27.1
103.9
3-Year EBITDA Growth Rate 3.60
UBSH's 3-Year EBITDA Growth Rate is ranked lower than
59% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UBSH: 3.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UBSH' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -13.6  Med: 3.95 Max: 34
Current: 3.6
-13.6
34
3-Year EPS without NRI Growth Rate 8.90
UBSH's 3-Year EPS without NRI Growth Rate is ranked higher than
55% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UBSH: 8.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UBSH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -53.9  Med: 2.8 Max: 93.2
Current: 8.9
-53.9
93.2
GuruFocus has detected 1 Warning Sign with Union Bankshares Corp $UBSH.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UBSH's 30-Y Financials

Financials (Next Earnings Date: 2017-10-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:WABC, NYSE:BHLB, NAS:PPBI, NAS:WSFS, NAS:BANF, NYSE:CFRPRA, NAS:CSFL, NAS:IBTX, NAS:NBTB, NAS:FRME » details
Traded in other countries:UIO.Germany,
Headquarter Location:USA
Union Bankshares Corp is a financial holding company and a bank holding company. The Company through its community bank subsidiary provides financial services including banking, trust, and wealth management services.

Union Bankshares Corp is a financial holding and bank holding company. The company operates a community bank, Union Bank & Trust, and three financial services affiliates, including Union Mortgage Group, Inc., Union Insurance Group, LLC, and Old Dominion Capital Management, Inc. The bank is a full-service community bank offering consumers and businesses a wide range of banking and related financial services. The bank has scores of locations throughout the state of Virginia. The company's two operating segments include its commercial banking business and its mortgage banking business. It has historically grown through both organic growth and strategic acquisitions. A plurality of its loan portfolio is in commercial real estate. Net interest income is a majority of the bank's net revenue.

Ratios

vs
industry
vs
history
PE Ratio 17.93
UBSH's PE Ratio is ranked lower than
69% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. UBSH: 17.93 )
Ranked among companies with meaningful PE Ratio only.
UBSH' s PE Ratio Range Over the Past 10 Years
Min: 10.8  Med: 16.39 Max: 99.28
Current: 17.93
10.8
99.28
Forward PE Ratio 17.39
UBSH's Forward PE Ratio is ranked lower than
73% of the 383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.18 vs. UBSH: 17.39 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.93
UBSH's PE Ratio without NRI is ranked lower than
69% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. UBSH: 17.93 )
Ranked among companies with meaningful PE Ratio without NRI only.
UBSH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.8  Med: 16.39 Max: 99.28
Current: 17.93
10.8
99.28
Price-to-Owner-Earnings 13.83
UBSH's Price-to-Owner-Earnings is ranked lower than
52% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.22 vs. UBSH: 13.83 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UBSH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.69  Med: 14.36 Max: 292.83
Current: 13.83
3.69
292.83
PB Ratio 1.41
UBSH's PB Ratio is ranked lower than
67% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UBSH: 1.41 )
Ranked among companies with meaningful PB Ratio only.
UBSH' s PB Ratio Range Over the Past 10 Years
Min: 0.52  Med: 1.1 Max: 2.18
Current: 1.41
0.52
2.18
PS Ratio 4.20
UBSH's PS Ratio is ranked lower than
68% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. UBSH: 4.20 )
Ranked among companies with meaningful PS Ratio only.
UBSH' s PS Ratio Range Over the Past 10 Years
Min: 1.32  Med: 2.92 Max: 84.41
Current: 4.2
1.32
84.41
Price-to-Free-Cash-Flow 12.61
UBSH's Price-to-Free-Cash-Flow is ranked lower than
57% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.52 vs. UBSH: 12.61 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UBSH' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.64  Med: 11.44 Max: 121.73
Current: 12.61
2.64
121.73
Price-to-Operating-Cash-Flow 11.82
UBSH's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.47 vs. UBSH: 11.82 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UBSH' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.55  Med: 10.21 Max: 143.7
Current: 11.82
2.55
143.7
EV-to-EBIT 20.37
UBSH's EV-to-EBIT is ranked lower than
74% of the 1267 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. UBSH: 20.37 )
Ranked among companies with meaningful EV-to-EBIT only.
UBSH' s EV-to-EBIT Range Over the Past 10 Years
Min: -12  Med: 18.6 Max: 63.2
Current: 20.37
-12
63.2
EV-to-EBITDA 16.66
UBSH's EV-to-EBITDA is ranked lower than
71% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.09 vs. UBSH: 16.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBSH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -13.4  Med: 14.1 Max: 30.5
Current: 16.66
-13.4
30.5
PEG Ratio 3.25
UBSH's PEG Ratio is ranked lower than
79% of the 852 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. UBSH: 3.25 )
Ranked among companies with meaningful PEG Ratio only.
UBSH' s PEG Ratio Range Over the Past 10 Years
Min: 1  Med: 1.87 Max: 26
Current: 3.25
1
26
Shiller PE Ratio 25.94
UBSH's Shiller PE Ratio is ranked lower than
70% of the 509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.59 vs. UBSH: 25.94 )
Ranked among companies with meaningful Shiller PE Ratio only.
UBSH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.1  Med: 15.56 Max: 30.13
Current: 25.94
7.1
30.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.41
UBSH's Dividend Yield % is ranked lower than
58% of the 2338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.52 vs. UBSH: 2.41 )
Ranked among companies with meaningful Dividend Yield % only.
UBSH' s Dividend Yield % Range Over the Past 10 Years
Min: 1.34  Med: 2.4 Max: 6.48
Current: 2.41
1.34
6.48
Dividend Payout Ratio 0.43
UBSH's Dividend Payout Ratio is ranked higher than
51% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UBSH: 0.43 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UBSH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.45 Max: 1.58
Current: 0.43
0.26
1.58
3-Year Dividend Growth Rate 12.60
UBSH's 3-Year Dividend Growth Rate is ranked higher than
68% of the 802 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UBSH: 12.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UBSH' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -29.9  Med: 12.6 Max: 29.3
Current: 12.6
-29.9
29.3
Forward Dividend Yield % 2.44
UBSH's Forward Dividend Yield % is ranked lower than
63% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. UBSH: 2.44 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.54
UBSH's 5-Year Yield-on-Cost % is ranked higher than
77% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.17 vs. UBSH: 6.54 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UBSH' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.62  Med: 6.49 Max: 17.51
Current: 6.54
3.62
17.51
3-Year Average Share Buyback Ratio -20.40
UBSH's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. UBSH: -20.40 )
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: -20.4
-24.6
1.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.05
UBSH's Price-to-Tangible-Book is ranked lower than
82% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. UBSH: 2.05 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UBSH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.83  Med: 1.68 Max: 3.09
Current: 2.05
0.83
3.09
Price-to-Intrinsic-Value-Projected-FCF 0.88
UBSH's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
62% of the 914 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. UBSH: 0.88 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UBSH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.94 Max: 2.28
Current: 0.88
0.47
2.28
Price-to-Median-PS-Value 1.44
UBSH's Price-to-Median-PS-Value is ranked lower than
80% of the 1559 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. UBSH: 1.44 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UBSH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.51  Med: 1.17 Max: 28.86
Current: 1.44
0.51
28.86
Price-to-Graham-Number 1.28
UBSH's Price-to-Graham-Number is ranked lower than
78% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. UBSH: 1.28 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UBSH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.62  Med: 1.11 Max: 2.25
Current: 1.28
0.62
2.25
Earnings Yield (Greenblatt) % 4.91
UBSH's Earnings Yield (Greenblatt) % is ranked lower than
57% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. UBSH: 4.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UBSH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -11.2  Med: 5.1 Max: 11.8
Current: 4.91
-11.2
11.8
Forward Rate of Return (Yacktman) % 11.14
UBSH's Forward Rate of Return (Yacktman) % is ranked lower than
51% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.26 vs. UBSH: 11.14 )
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: 11.1 Max: 26.4
Current: 11.14
-17
26.4

More Statistics

Revenue (TTM) (Mil) $341.82
EPS (TTM) $ 1.83
Beta1.17
Short Percentage of Float2.98%
52-Week Range $23.28 - 39.37
Shares Outstanding (Mil)43.70

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 367 530
EPS ($) 1.89 2.36
EPS without NRI ($) 1.89 2.36
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.81 0.89
» More Articles for UBSH

Headlines

Articles On GuruFocus.com
Union Announces Retirement of Chief Banking Officer D. Anthony Peay Jun 05 2017 
Union Bankshares Corporation Declares Quarterly Dividend May 02 2017 
Union Bankshares Corporation to Release First Quarter 2017 Results Apr 04 2017 
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 

More From Other Websites
ETFs with exposure to Union Bankshares Corp. : June 22, 2017 Jun 22 2017
Union Bankshares Corp. breached its 50 day moving average in a Bearish Manner : UBSH-US : June 22,... Jun 22 2017
Union Bankshares Corp. :UBSH-US: Earnings Analysis: Q1, 2017 By the Numbers : June 8, 2017 Jun 08 2017
Union Announces Retirement of Chief Banking Officer D. Anthony Peay Jun 05 2017
Union Bankshares Corp. breached its 50 day moving average in a Bullish Manner : UBSH-US : June 2,... Jun 02 2017
Community bank Union Bankshares to buy rival Xenith Bankshares May 22 2017
Union Bankshares Corporation Announces Agreement to Acquire Xenith Bankshares, Inc. May 22 2017
Union Bankshares Corp. : UBSH-US: Dividend Analysis : May 12th, 2017 (record date) : By the numbers... May 10 2017
Union Bankshares Corporation Declares Quarterly Dividend May 02 2017
Union Bankshares Corp. breached its 50 day moving average in a Bullish Manner : UBSH-US : April 25,... Apr 25 2017
Edited Transcript of UBSH earnings conference call or presentation 19-Apr-17 1:00pm GMT Apr 19 2017
Union Bankshares Reports First Quarter Results Apr 19 2017
Union Bankshares Corporation to Release First Quarter 2017 Results Apr 04 2017
Union Bankshares Corp. breached its 50 day moving average in a Bearish Manner : UBSH-US : March 21,... Mar 21 2017
Union Bankshares Corp. :UBSH-US: Earnings Analysis: Q4, 2016 By the Numbers : January 26, 2017 Jan 26 2017
Edited Transcript of UBSH earnings conference call or presentation 24-Jan-17 2:00pm GMT Jan 24 2017

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)

GF Chat

{{numOfNotice}}