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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

ECB Bancorp, Inc.

Meridian Corp. (Pennsylvania)

First United Corp.

FinWise Bancorp

Union Bankshares, Inc. (Vermont)

Investar Holding Corp.

First Savings Financial Group, Inc.

Summit State Bank (California)

Citizens Community Bancorp, Inc. (Wisconsin)

CB Financial Services, Inc.

BankFinancial Corp.

Why is Union Bankshares, Inc. (Vermont) ?

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -2.16%
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 25

NII(Q) Highest at USD 10.45 MM
CREDIT DEPOSIT RATIO(HY) Highest at 100.14%
NET SALES(Q) Highest at USD 18.72 MM

With ROA of 0.51%, it has a very expensive valuation with a 2.05 Price to Book Value

Over the past year, while the stock has generated a return of -26.06%, its profits have fallen by -16.7%

High Institutional Holdings at 22.24%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.85% over the previous quarter.

Below par performance in long term as well as near term

Along with generating -26.06% 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 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)

-38.75%

-0.07

38.76%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.79%

EBIT Growth (5y)

-5.17%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

74.85%

Pledged Shares

Institutional Holding

22.24%

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

2.05

EV to EBIT

53.37

EV to EBITDA

43.66

EV to Capital Employed

1.25

EV to Sales

5.29

PEG Ratio

Dividend Yield

2.38%

ROCE (Latest)

2.33%

ROE (Latest)

12.72%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

Mildly Bearish

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

NII(Q)

Highest at USD 10.45 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 100.14%

NET SALES(Q)

Highest at USD 18.72 MM

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -119.82 MM

GROSS NPA (%)

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

NII

Highest at USD 10.45 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 18.72 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Credit Deposit Ratio

Highest at 100.14%

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 Cash Flow

Lowest at USD -119.82 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 1.38%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)