Union Bankshares, Inc. (Vermont)

Market Cap: Micro Cap
Industry: Regional Banks
ISIN: US9054001071

USD

23.70

0.1 (0.42%)

Jun 18

NAS

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

ECB Bancorp, Inc.

Investar Holding Corp.

CB Financial Services, Inc.

First United Corp.

FinWise Bancorp

First Savings Financial Group, Inc.

Union Bankshares, Inc. (Vermont)

Summit State Bank (California)

Citizens Community Bancorp, Inc. (Wisconsin)

Meridian Corp. (Pennsylvania)

BankFinancial Corp.

Why is Union Bankshares, Inc. (Vermont) ?

Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 11.06%

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -2.76%
A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Below par performance in long term as well as near term

Along with generating -11.96% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Union Bankshares, Inc. (Vermont) for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Union Bankshares, Inc. (Vermont)

-11.96%

-0.01

30.36%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.58%

EBIT Growth (5y)

-5.46%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

59.68%

Pledged Shares

Institutional Holding

24.65%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.46

EV to EBIT

33.58

EV to EBITDA

29.11

EV to Capital Employed

1.12

EV to Sales

4.70

PEG Ratio

0.42

Dividend Yield

0.31%

ROCE (Latest)

3.33%

ROE (Latest)

13.78%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Sideways

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 11.29 MM

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Here's what is working for Union Bankshares, Inc. (Vermont)

Non Performing Loans (%)

Lowest at 1.13%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 11.29 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)