Union Bankshares, Inc. (Vermont) (UNB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

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.

First Savings Financial Group, Inc.

FinWise Bancorp

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

Positive results in Jun 26

OPERATING CASH FLOW(Y) Highest at USD -72.52 MM
ROCE(HY) Highest at 0.8%
NII(Q) Highest at USD 11.62 MM

With ROA of 0.52%, it has a very attractive valuation with a 1.46 Price to Book Value

Over the past year, while the stock has generated a return of -10.17%, its profits have risen by 27% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 28.33%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.68% over the previous quarter.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -10.17% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Union Bankshares, Inc. (Vermont) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

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

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

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

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Union Bankshares, Inc. (Vermont)

-10.17%

-0.02

31.38%

S&P 500

21.51%

1.63

13.19%

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

9What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD -72.52 MM

ROCE(HY)

Highest at 0.8%

NII(Q)

Highest at USD 11.62 MM

CASH AND EQV(HY)

Highest at USD 11.02 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 102.28%

NET SALES(Q)

Highest at USD 20.06 MM

-6What is not working for the Company

ROCE(HY)

Lowest at 0.8%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

OPERATING PROFIT(Q)

Lowest at USD 0.31 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 1.55 %

EPS(Q)

Lowest at USD 0

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

NII

Highest at USD 11.62 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Cash Flow

Highest at USD -72.52 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 20.06 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 11.02 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 102.28%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Union Bankshares, Inc. (Vermont)

Operating Profit

Lowest at USD 0.31 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 1.55 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

EPS

Lowest at USD 0

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)