Union Financial Stock Analysis
| UFCP Stock | USD 2.51 0.00 0.00% |
Union Financial's financial leverage is the degree to which the firm utilizes its fixed-income securities and uses equity to finance projects. Companies with high leverage are usually considered to be at financial risk. Union Financial's financial risk is the risk to Union Financial stockholders that is caused by an increase in debt. In other words, with a high degree of financial leverage come high-interest payments, which usually reduce Earnings Per Share (EPS).
Given that Union Financial's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which Union Financial is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of Union Financial to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, Union Financial is said to be less leveraged. If creditors hold a majority of Union Financial's assets, the Company is said to be highly leveraged.
Union Financial is fairly valued with Real Value of 2.51 and Hype Value of 2.51. The main objective of Union Financial pink sheet analysis is to determine its intrinsic value, which is an estimate of what Union Financial is worth, separate from its market price. There are two main types of Union Financial's stock analysis: fundamental analysis and technical analysis.
The Union Financial pink sheet is traded in the USA on PINK Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
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Union Pink Sheet Analysis Notes
The company last dividend was issued on the 31st of January 2022. Union Financial had 3:1 split on the 2nd of March 1999. Union Financial Corporation operates as a bank holding company for Union Bank that provides banking products and services in Michigan. The company was founded in 1934 and is based in Lake Odessa, Michigan. Union Financial is traded on OTC Exchange in the United States.The quote for Union Financial is published daily by the National Quotation Bureau and the company does not need to meet minimum requirements or file with the SEC. For more information please call Cortney Collison at 616 374 3278 or visit https://www.ubmich.com.Union Financial Investment Alerts
| Union Financial generated a negative expected return over the last 90 days |
Union Profitablity
The company has Profit Margin (PM) of 0.13 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.19 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.19.Technical Drivers
In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Union Financial, as well as the relationship between them.Union Financial Price Movement Analysis
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Union Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Union Financial. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Union Financial Outstanding Bonds
Union Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Union Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Union bonds can be classified according to their maturity, which is the date when Union Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Union Financial Debt to Cash Allocation
Union Financial currently holds 8.02 M in liabilities. Debt can assist Union Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Union Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Union Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Union to invest in growth at high rates of return. When we think about Union Financial's use of debt, we should always consider it together with cash and equity.Union Financial Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Union Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Union Financial, which in turn will lower the firm's financial flexibility.Union Financial Corporate Bonds Issued
About Union Pink Sheet Analysis
Pink Sheet analysis is the technique used by a trader or investor to examine and evaluate how Union Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Union shares will generate the highest return on investment. We also built our pink sheet analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Pink Sheet such as Union Financial. By using and applying Union Pink Sheet analysis, traders can create a robust methodology for identifying Union entry and exit points for their positions.
Union Financial Corporation operates as a bank holding company for Union Bank that provides banking products and services in Michigan. The company was founded in 1934 and is based in Lake Odessa, Michigan. Union Financial is traded on OTC Exchange in the United States.
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Additional Tools for Union Pink Sheet Analysis
When running Union Financial's price analysis, check to measure Union Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Union Financial is operating at the current time. Most of Union Financial's value examination focuses on studying past and present price action to predict the probability of Union Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Union Financial's price. Additionally, you may evaluate how the addition of Union Financial to your portfolios can decrease your overall portfolio volatility.