Union Competitors

UNB Stock

USD 24.87 0.27 1.10%

Union Bankshares competes with Magyar Bancorp, Sound Financial, First Guaranty, SB Financial, and Riverview Bancorp; as well as few others. The company runs under Banks sector within Financials industry. Analyzing Union Bankshares competition allows you to expand the diversification possibilities of your existing portfolios and to get a better perspective on locking in new positions. Investors sometimes prefer comparable analysis of Union Bankshares to its intrinsic valuation because they are able to contrast its competitors on a relative basis. Check out Union Bankshares Correlation with its peers.

For information on how to trade Union Stock refer to our How to Trade Union Stock guide.

Union Bankshares vs Patriot National Correlation

Poor diversification

The correlation between Union Bankshares and PNBK is 0.63 (i.e., Poor diversification) for selected investment horizon. Overlapping area represents the amount of risk that can be diversified away by holding Union Bankshares and PNBK in the same portfolio, assuming nothing else is changed.

Moving against Union Stock

0.56	T	ATT Inc Earnings Call This Week	Pair Corr
0.48	VZ	Verizon Communications Earnings Call Tomorrow	Pair Corr
0.37	ERHE	ERHC Energy	Pair Corr

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Hype

Prediction

Low	Estimated	High
22.93	24.87	26.81

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Intrinsic

Valuation

Low	Real	High
22.10	24.04	25.98

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Union Bankshares Competition Correlation Matrix

Typically, diversification allows investors to combine positions across different asset classes to reduce overall portfolio risk. Correlation between Union Bankshares and its competitors represents the degree of relationship between the price movements of corresponding stocks. A correlation of about +1.0 implies that the price of Union and its corresponding peer move in tandem. A correlation of -1.0 means that prices move in opposite directions. A correlation of close to zero suggests that the price movements of assets are uncorrelated; in other words, the historical price movement of Union Bankshares does not affect the price movement of the other competitor.

	MGYR	SFBC	FGBI	SBFG	RVSB	AFBI	LSBK	SRBK	PROV	PNBK
MGYR		-0.5	0.56	0.38	-0.4	0.57	0.64	0.57	0.79	0.58	MGYR
SFBC	-0.5		-0.11	-0.01	0.61	-0.5	-0.41	-0.17	-0.5	-0.51	SFBC
FGBI	0.56	-0.11		-0.03	-0.26	0.13	0.09	0.45	0.49	0.13	FGBI
SBFG	0.38	-0.01	-0.03		0.24	0.73	0.47	0.78	0.46	0.73	SBFG
RVSB	-0.4	0.61	-0.26	0.24		-0.24	-0.19	-0.11	-0.28	-0.24	RVSB
AFBI	0.57	-0.5	0.13	0.73	-0.24		0.46	0.8	0.73	0.92	AFBI
LSBK	0.64	-0.41	0.09	0.47	-0.19	0.46		0.43	0.54	0.45	LSBK
SRBK	0.57	-0.17	0.45	0.78	-0.11	0.8	0.43		0.67	0.78	SRBK
PROV	0.79	-0.5	0.49	0.46	-0.28	0.73	0.54	0.67		0.78	PROV
PNBK	0.58	-0.51	0.13	0.73	-0.24	0.92	0.45	0.78	0.78		PNBK
	MGYR	SFBC	FGBI	SBFG	RVSB	AFBI	LSBK	SRBK	PROV	PNBK

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High positive correlations

PNBK	+ 0.92	AFBI
SRBK	+ 0.8	AFBI
PROV	+ 0.79	MGYR
SRBK	+ 0.78	SBFG
PNBK	+ 0.78	SRBK
PNBK	+ 0.78	PROV

High negative correlations

PNBK	- 0.51	SFBC
PROV	- 0.5	SFBC
AFBI	- 0.5	SFBC
SFBC	- 0.5	MGYR
LSBK	- 0.41	SFBC
RVSB	- 0.4	MGYR

Risk-Adjusted Indicators

There is a big difference between Union Stock performing well and Union Bankshares Company doing well as a business compared to the competition. There are so many exceptions to the norm that investors cannot definitively determine what's good or bad unless they analyze Union Bankshares' multiple risk-adjusted performance indicators across the competitive landscape. These indicators are quantitative in nature and help investors forecast volatility and risk-adjusted expected returns across various positions.

	Mean Deviation	Jensen Alpha	Sortino Ratio	Treynor Ratio	Semi Deviation	Expected Shortfall	Potential Upside	Value @Risk	Maximum Drawdown
MGYR	0.87	0.09	0.01	(0.49)	1.04	(0.98)	1.81	(2.09)	6.78
SFBC	0.53	(0.06)	0.00	(0.27)	0.00	0.00	1.00	(1.15)	6.34
FGBI	3.11	0.09	0.03	0.11	4.77	(3.24)	5.38	(7.07)	21.15
SBFG	2.11	0.21	0.09	0.28	2.21	(2.28)	4.58	(3.96)	10.33
RVSB	1.24	(0.05)	(0.03)	0.02	1.54	(1.43)	3.33	(2.50)	9.27
AFBI	1.17	0.13	0.04	1.72	1.31	(1.41)	2.12	(2.06)	13.88
LSBK	0.83	0.23	0.16	0.67	0.80	(0.92)	2.39	(1.48)	5.78
SRBK	0.89	0.18	0.10	0.47	1.09	(0.93)	2.51	(1.36)	8.56
PROV	0.69	0.05	0.00	0.31	0.76	(0.86)	1.34	(1.04)	4.66
PNBK	3.52	0.40	0.09	0.42	3.96	(4.05)	6.98	(5.98)	17.77

Union Bankshares Competitive Analysis

The better you understand Union Bankshares competitors, the better chance you have of utilizing it as a position in your portfolios. From an individual investor's perspective, Union Bankshares' competitive analysis can cover a whole range of metrics. Some of these will be more critical depending on who you are as an investor and how you react to market volatility. However, if you are locking your investment sandscape to a long-term horizon, comparing the fundamental indicator across Union Bankshares' competition over several years is one of the best ways to analyze its investment potential.

Better Than Average

Worse Than Peers

View Performance Chart

	UNB	MGYR	SFBC	FGBI	SBFG	RVSB	AFBI	LSBK	SRBK	PROV
	1.10 24.87 Union	0.45 17.88 Magyar	0.05 43.99 Sound	0.60 8.44 First	1.63 21.74 SBFG	1.76 5.19 Riverview	1.46 20.29 Affinity	1.03 15.34 Lake	0.89 16.74 SRBK	0.56 16.20 Provident
Market Volatility (90 Days Market Risk)	Very steady	Very steady	Very steady	Slightly risky	Not too volatile	Somewhat reliable	Very steady	Very steady	Very steady	Very steady
Market Performance (90 Days Performance)	Fair	Mild	Weakest	Fair	Fair	Weak	Mild	Good	Good	Mild
Odds of Financial Distress (Probability Of Bankruptcy)	Low	Low	Low	Small	Low	Low	Low	Low	Low	Low
Current Valuation (Equity Enterprise Value)	Fairly Valued	Over Valued	Fairly Valued	Over Valued	Fairly Valued	Fairly Valued	Fairly Valued	Under Valued	Under Valued	Fairly Valued
Buy or Sell Advice (Average Analysts Consensus)	Not Available	Not Available	Not Available	Hold	Not Available	Not Available	Not Available	Strong Sell	Not Available	Hold
Trade Advice (90 Days Macroaxis Advice)	Strong Hold	Strong Sell	Cautious Hold	Cautious Hold	Strong Hold	Strong Hold	Hold	Strong Buy	Strong Buy	Hold
Net Asset	1.53 B	997.66 M	993.63 M	3.97 B	1.38 B	1.51 B	866.82 M	685.5 M	1.08 B	1.25 B
Profit Margin	0.22	0.28	0.18	N/A	0.22	0.0892	0.25	0.25	0.14	0.15
EBITDA	12.03 M	14.75 M	7.22 M	20.44 M	17.41 M	9.56 M	7.72 M	9.21 M	8.47 M	12.36 M
Operating Margin	0.27	0.41	0.24	1.72	0.31	0.14	0.36	0.37	0.13	0.28
Current Valuation	355.94 M	138.73 M	51.65 M	(394.39 M)	128.16 M	158.89 M	125.17 M	29.13 M	115 M	269.61 M
Price To Book	1.43	0.98	0.98	0.69	1.01	0.65	0.99	0.8	0.66	0.81
Retained Earnings	91.72 M	66.58 M	76.27 M	72.97 M	116.19 M	119.72 M	76.79 M	82.81 M	120.5 M	212.4 M
Five Year Return	3.96	N/A	1.61	3.18	2.12	2.5	N/A	3.21	N/A	3.33
Beta	0.39	0.25	0.099	0.33	0.22	0.61	0.27	0.29	0.54	0.31
Number Of Employees	201	91	108	339	253	238	88	93	119	95
Shares Outstanding	4.58 M	6.45 M	2.39 M	15.35 M	6.24 M	20.75 M	6.17 M	7.69 M	7.67 M	6.47 M
Cash Flow From Operations	12.15 M	10.39 M	2.93 M	33.73 M	9.45 M	8.27 M	6.79 M	2.51 M	4.67 M	8.69 M
Annual Yield	0.0585	0.019	0.0173	0.0048	0.0281	0.0157	0.0813	0.0251	0.0118	0.0347
Total Debt	275.97 M	878.82 M	40.77 M	201.92 M	65.28 M	105.59 M	60.4 M	10.25 M	33.21 M	213.07 M
Return On Equity	0.15	0.0851	0.0652	-0.24	0.1	0.029	0.0651	0.0594	0.0227	0.0468
Return On Asset	0.0073	0.01	0.0063	-0.0149	0.0095	0.0031	0.0095	0.0095	0.0041	0.0049
Number Of Shares Shorted	74.95 K	14.07 K	40.54 K	123.8 K	105.32 K	458.05 K	6.61 K	13.46 K	489.01 K	32.86 K
Book Value Per Share	16.95	19.3	42.16	12.25	21.71	7.81	20.84	18.0	23.96	19.54
Total Asset	1.53 B	997.66 M	993.63 M	3.97 B	1.38 B	1.51 B	866.82 M	685.5 M	1.08 B	1.25 B
Debt To Equity	10.74	11.25	8.92	11.35	N/A	7.51	N/A	5.41	N/A	7.78
Short Ratio	4.57	4.95	6.27	4.7	7.69	8.63	2.83	1.07	13.13	2.03
Last Dividend Paid	1.44	0.25	N/A	0.04	0.59	0.08	N/A	0.27	0.15	N/A
Target Price	N/A	13.0	N/A	7.0	23.0	7.0	N/A	N/A	16.5	16.0
Shares Owned By Institutions	23.16	31.57	42.14	5.59	54.97	73.96	24.67	20.09	28.05	49.61
Market Capitalization	112.73 M	108.7 M	105.05 M	129.58 M	137.93 M	105.83 M	129.06 M	110.04 M	135.82 M	105.36 M
Price To Earning	8.72	18.23	10.05	10.73	5.95	16.15	13.04	13.34	N/A	18.75
Price To Earnings To Growth	N/A	N/A	N/A	N/A	N/A	1.41	N/A	N/A	N/A	-1.69
Price To Sales	2.15	3.32	2.71	9.94	2.18	2.01	3.92	4.0	4.36	2.65
Net Income	8.76 M	9.76 M	4.64 M	12.45 M	11.47 M	4.9 M	5.44 M	4.93 M	3.75 M	6.25 M
Earnings Per Share	2.47	1.56	2.65	-4.42	2.11	0.22	1.29	0.96	0.54	0.9
Shares Owned By Insiders	20.08	13.39	17.45	60.93	10.0	3.44	29.79	49.13	17.8	19.9
Revenue	87.3 M	58.42 M	3.96 M	244.78 M	81.37 M	73.22 M	51.01 M	39.55 M	50.05 M	60.16 M
Cash And Equivalents	39.24 M	27.94 M	76.06 M	120.4 M	34.23 M	142.08 M	55.4 M	19.68 M	N/A	38.9 M
Cash Per Share	8.73	3.94	29.68	11.23	4.87	6.19	8.3	3.33	N/A	5.38
Gross Profit	52.53 M	35.21 M	38.71 M	13.04 M	63.41 M	52.76 M	32.94 M	27.77 M	31.13 M	39.82 M
Day Typical Price	24.66	17.66	43.97	8.42	21.69	5.17	20.21	15.39	16.73	16.18
Accumulation Distribution	212.85	85.86	18.25	33.88	178.4	1950.0	582.95	29.14	613.02	21.89
Market Facilitation Index	1.0E-4	3.0E-4	1.0E-4	0.0	1.0E-4	0.0	0.0	1.0E-4	0.0	0.0
Daily Balance Of Power	0.4355	0.1176	0.0714	0.8333	(0.49)	0.5	(0.70)	(1.00)	(0.42)	1.8
Period Momentum Indicator	0.27	0.08	0.02	0.05	(0.36)	0.09	(0.30)	(0.16)	(0.15)	0.09
Rate Of Daily Change	1.01	1.0	1.0	1.01	0.98	1.02	0.99	0.99	0.99	1.01
Day Median Price	24.56	17.55	43.96	8.41	21.66	5.16	20.17	15.42	16.72	16.17
Price Action Indicator	0.45	0.37	0.04	0.055	(0.10)	0.075	(0.03)	(0.16)	(0.06)	0.07
Relative Strength Index	57.49	57.09	50.34	71.81	52.06	51.68	51.66	59.61	58.98	55.71
Coefficient Of Variation	1126.61	1413.6	(2,299)	2245.68	924.28	6325.77	1230.77	436.45	606.85	1254.22
Mean Deviation	1.32	0.8736	0.5287	3.11	2.11	1.24	1.17	0.8308	0.8891	0.6895
Jensen Alpha	0.1233	0.0855	(0.06)	0.0866	0.206	(0.05)	0.1297	0.2255	0.1806	0.0508
Total Risk Alpha	(0.01)	(0.03)	(0.12)	(0.23)	0.0414	(0.13)	(0.02)	0.1497	0.0921	(0.02)
Sortino Ratio	0.052	0.0076	N/A	0.0298	0.0852	(0.03)	0.0446	0.1593	0.1042	(0.0008)
Downside Variance	3.53	1.93	N/A	25.41	5.74	2.93	2.46	1.35	1.93	0.7986
Standard Deviation	1.94	1.21	0.8088	5.06	2.58	1.71	1.78	1.13	1.33	0.9299
Kurtosis	4.52	0.8696	6.44	5.69	(0.63)	1.03	9.26	1.1	3.02	2.5
Potential Upside	2.72	1.81	0.9998	5.38	4.58	3.33	2.12	2.39	2.51	1.34
Treynor Ratio	0.2683	(0.49)	(0.27)	0.1086	0.2777	0.0173	1.72	0.6672	0.4667	0.3114
Maximum Drawdown	11.8	6.78	6.34	21.15	10.33	9.27	13.88	5.78	8.56	4.66
Variance	3.78	1.46	0.6542	25.58	6.64	2.92	3.18	1.29	1.78	0.8647
Market Risk Adjusted Performance	0.2783	(0.48)	(0.26)	0.1186	0.2877	0.0273	1.73	0.6772	0.4767	0.3214
Risk Adjusted Performance	0.0715	0.0559	(0.03)	0.0413	0.0867	0.0173	0.0656	0.172	0.1257	0.0607
Skewness	0.4056	(0.13)	(0.73)	0.4561	0.1926	0.231	1.56	0.1044	(0.06)	(0.02)
Semi Deviation	1.73	1.04	N/A	4.77	2.21	1.54	1.31	0.8043	1.09	0.7559
Information Ratio	0.0503	0.0088	(0.14)	0.0297	0.0791	(0.03)	0.0392	0.1631	0.1086	(0.0008)
Value At Risk	(2.55)	(2.09)	(1.15)	(7.07)	(3.96)	(2.50)	(2.06)	(1.48)	(1.36)	(1.04)
Expected Short fall	(1.43)	(0.98)	N/A	(3.24)	(2.28)	(1.43)	(1.41)	(0.92)	(0.93)	(0.86)
Downside Deviation	1.88	1.39	N/A	5.04	2.4	1.71	1.57	1.16	1.39	0.8936
Semi Variance	3.0	1.08	N/A	22.79	4.88	2.37	1.73	0.6468	1.19	0.5714

Union Bankshares Competition Performance Charts

Five steps to successful analysis of Union Bankshares Competition

Union Bankshares' competitive analysis is the process of researching and evaluating its competitive landscape. It provides an understanding of the strengths, weaknesses, opportunities, and threats (SWOT) faced by Union Bankshares in relation to its competition. Union Bankshares' competition analysis typically involves several steps, including:

Identifying the key players in the market: This involves identifying the major competitors of Union Bankshares in the market, both direct and indirect, as well as new entrants and disruptive technologies.
Assessing the strengths and weaknesses of each competitor: This involves evaluating each competitor's strengths and weaknesses in areas such as product offerings, market share, brand recognition, financial performance, and distribution channels.
Understanding the competitive environment: This involves evaluating the regulatory environment, economic conditions, and other factors that may impact Union Bankshares' competitive landscape.
Identifying opportunities and threats: This involves using the information gathered during the analysis to identify opportunities and threats to Union Bankshares, and developing a strategy to address them.
Evaluating the competitive landscape: This involves understanding the competitive dynamics of the market, such as pricing, marketing, and distribution strategies, as well as analyzing the competitive advantage of each competitor.

Competitive analysis is an essential tool for businesses to stay ahead of the competition and can be used to inform decision-making and strategy development. By understanding the competitive landscape and staying informed about the activities of competitors, a company can make more informed decisions and improve its overall performance.

Complement your Union Bankshares position

In addition to having Union Bankshares in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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When determining whether Union Bankshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Union Bankshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Union Bankshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Union Bankshares Stock:

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What is Union Bankshares' Net Worth?

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Check out Union Bankshares Correlation with its peers.

For information on how to trade Union Stock refer to our How to Trade Union Stock guide.

You can also try the Equity Analysis module to research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities.

Is Stock space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Union Bankshares. If investors know Union will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Union Bankshares assessment requires weighing all these inputs, though not all factors influence outcomes equally.

Understanding Union Bankshares requires distinguishing between market price and book value, where the latter reflects Union's accounting equity. The concept of intrinsic value—what Union Bankshares' is actually worth based on fundamentals—guides informed investors toward better entry and exit points. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Market sentiment, economic cycles, and investor behavior can push Union Bankshares' price substantially above or below its fundamental value.

Please note, there is a significant difference between Union Bankshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Union Bankshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, Union Bankshares' trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.

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Union Competitors

Union Bankshares vs Patriot National Correlation

Poor diversification

Moving against Union Stock

Specify up to 10 symbols:

Union Bankshares Competition Correlation Matrix

High positive correlations

High negative correlations

Risk-Adjusted Indicators

Union Bankshares Competitive Analysis

Union Bankshares Competition Performance Charts

Five steps to successful analysis of Union Bankshares Competition

Complement your Union Bankshares position

Did You Try This Idea?

Run Robots And Drones Thematic Idea Now

Robots And Drones

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