UNB
Union Bankshares, Inc. (UNB)
Financial Services • Banks - Regional • $23.78 • MCap: 117,612,744
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https://www.ublocal.com • Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. The company was founded in 1891 and is headquartered in Morrisville, Vermont.
Buy Decision Core
Total Score
56
Business Quality
16
Financial Strength
11
Growth Outlook
7
Momentum
2
Price Action
Current
23.78
52W High
25.82
52W Low
20.58
Above 50DMA
24.09 (-1.28%)
Above 200DMA
23.42 (1.54%)
Relative Strength
Relative Strength
0.03
RS 3M
0.04
RS 6M
0.04
RS 9M
0.06
RS 12M
-0.03
Fundamentals
Revenue Growth
0.13%
Earnings Growth
0.15%
ROE
0.15%
ROA
0.01%
Valuation
PE (Fwd)
0
PEG
0
P/B
1.26
Upside
0%
Risk
Beta
0.28
Short %
0.00
Risk Score
4.00
Analyst
Rating
none
Target
0
Beta
0.28
Analysts
0
Total Score
56
Upside
0%
Relative Strength
0.03
Beta
0.28
Why Buy?
- PEG Ratio below 1 (attractive valuation)
- Trading above 200 DMA
Key Risks
- Weak long-term relative strength
Score Breakdown
Business
16
16
Financial
11
11
Growth
7
7
Valuation
12
12
Risk
4
4
Momentum
2
2
Technical
52W High: 25.82
52W Low: 20.58
Above 50DMA: -1.28%
Above 200DMA: 1.54%
Valuation
Forward PE: 0
PEG: 0
P/B: 1.26
Upside: 0%
Risk
Beta: 0.28
Short Float: 0.00%
ROE: 0.15%
ROA: 0.01%