UNB
Union Bankshares·NASDAQ
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3.91 / 10
Netural
Union Bankshares shows a fundamental score of 3.9/10, indicating an unfavorable picture. Key strengths include a solid gross profit margin of 36.7% and a 100% ratio of total profit to EBIT, but these are offset by a 100% net profit attributable to parent company shareholders to net profit ratio and negative asset-multiple deviation. The Net Assets Per Share grew by 15.7% YoY, a positive sign, yet the overall fundamental rating remains neutral, warranting guarded consideration.
Analysis Checks(7/10)
Net assets per share (growth rate compared to beginning of year %)
Value15.71
Score3/3
Weight9.39%
1M Return4.47%
Value15.71
Score3/3
Weight9.39%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight5.89%
1M Return3.05%
Value100.00
Score1/3
Weight5.89%
1M Return3.05%
Profit-MV
Value0.99
Score2/3
Weight10.89%
1M Return5.27%
Value0.99
Score2/3
Weight10.89%
1M Return5.27%
PB-ROE
Value-0.97
Score2/3
Weight11.17%
1M Return5.42%
Value-0.97
Score2/3
Weight11.17%
1M Return5.42%
Asset-MV
Value-0.50
Score2/3
Weight15.74%
1M Return7.51%
Value-0.50
Score2/3
Weight15.74%
1M Return7.51%
Revenue-MV
Value-0.40
Score1/3
Weight11.06%
1M Return4.65%
Value-0.40
Score1/3
Weight11.06%
1M Return4.65%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.73%
1M Return3.43%
Value36.70
Score3/3
Weight6.73%
1M Return3.43%
Total profit (YoY growth rate %)
Value53.47
Score1/3
Weight6.57%
1M Return3.23%
Value53.47
Score1/3
Weight6.57%
1M Return3.23%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.73%
1M Return3.43%
Value100.00
Score3/3
Weight6.73%
1M Return3.43%
Cash-MV
Value0.62
Score3/3
Weight15.82%
1M Return7.61%
Value0.62
Score3/3
Weight15.82%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value15.71
Score3/3
Weight9.39%
1M Return4.47%
Value15.71
Score3/3
Weight9.39%
1M Return4.47%
Revenue-MV
Value-0.40
Score1/3
Weight11.06%
1M Return4.65%
Value-0.40
Score1/3
Weight11.06%
1M Return4.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight5.89%
1M Return3.05%
Value100.00
Score1/3
Weight5.89%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.73%
1M Return3.43%
Value36.70
Score3/3
Weight6.73%
1M Return3.43%
Profit-MV
Value0.99
Score2/3
Weight10.89%
1M Return5.27%
Value0.99
Score2/3
Weight10.89%
1M Return5.27%
Total profit (YoY growth rate %)
Value53.47
Score1/3
Weight6.57%
1M Return3.23%
Value53.47
Score1/3
Weight6.57%
1M Return3.23%
PB-ROE
Value-0.97
Score2/3
Weight11.17%
1M Return5.42%
Value-0.97
Score2/3
Weight11.17%
1M Return5.42%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.73%
1M Return3.43%
Value100.00
Score3/3
Weight6.73%
1M Return3.43%
Asset-MV
Value-0.50
Score2/3
Weight15.74%
1M Return7.51%
Value-0.50
Score2/3
Weight15.74%
1M Return7.51%
Cash-MV
Value0.62
Score3/3
Weight15.82%
1M Return7.61%
Value0.62
Score3/3
Weight15.82%
1M Return7.61%
Is UNB undervalued or overvalued?
- UNB scores 3.91/10 on fundamentals and holds a Fair valuation at present. Backed by its 11.56% ROE, 21.12% net margin, 12.34 P/E ratio, 1.47 P/B ratio, and 28.21% earnings growth, these metrics solidify its Netural investment rating.
