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.

Summit State Bank (California)

Meridian Corp. (Pennsylvania)

FinWise Bancorp

First Savings Financial Group, Inc.

Investar Holding Corp.

First United Corp.

CB Financial Services, Inc.

Citizens Community Bancorp, Inc. (Wisconsin)

Union Bankshares, Inc. (Vermont)

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

Flat results in Dec 25

DIVIDEND PAYOUT RATIO(Y) Lowest at 0%
OPERATING PROFIT(Q) Lowest at USD 0.42 MM
OPERATING PROFIT MARGIN(Q) Lowest at 2.13 %

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -22.15% 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 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)

-22.15%

-0.15

34.36%

S&P 500

14.9%

0.77

19.29%

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)

-10.02%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

59.26%

Pledged Shares

Institutional Holding

26.07%

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

1.47

EV to EBIT

47.28

EV to EBITDA

41.30

EV to Capital Employed

1.11

EV to Sales

5.22

PEG Ratio

0.42

Dividend Yield

0.30%

ROCE (Latest)

2.34%

ROE (Latest)

13.78%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bullish

Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Bullish

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

1What is working for the Company

NET SALES(Q)

Highest at USD 19.57 MM

-4What is not working for the Company

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

OPERATING PROFIT(Q)

Lowest at USD 0.42 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 2.13 %

EPS(Q)

Lowest at USD 0

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

Net Sales

Highest at USD 19.57 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

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

Operating Profit

Lowest at USD 0.42 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 2.13 %

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 (%)