Union Bankshares, Inc. cash flow to debt ratio of 5.69% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Union Bankshares, Inc.'s free cash flow has increased 44.15% from $11.08M last year to $15.97M, signaling increasing performance

Union Bankshares, Inc.'s debt to equity ratio is 3.68, which means that the company's assets are unhealthy financed, signaling financial risk.

Union Bankshares, Inc.'s debt has decreased relative to shareholder equity from 4.15 last year to 3.68 today, signaling strengthened financials

Union Bankshares, Inc. has a net debt to EBITDA ratio of 21.27x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Union Bankshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Union Bankshares, Inc.'s profit margin has increased (19.37%) in the last year from 11.24% to 13.42%, signaling increasing performance

Union Bankshares, Inc.'s short-term liabilities of $226.94M exceed its short-term assets of $12.30M, signaling financial risk

Union Bankshares, Inc.'s return on assets of 0.78% is lower than the 5.00% threshold, indicating inefficient asset utilization

Union Bankshares, Inc.'s return on equity of 14.72%, is lower than 15.00%, indicating bad performance

Union Bankshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Union Bankshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Union Bankshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Union Bankshares, Inc. has a free cash flow yield of 14.61%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Union Bankshares, Inc.'s yearly earnings has increased 26.68% since last year from $8.76M to $11.10M, signaling increasing performance

Union Bankshares, Inc.'s yearly revenue has increased 14.24% since last year from $76.42M to $87.30M, signaling increasing performance

ROIC 0.78% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Union Bankshares, Inc.'s 3-year revenue CAGR of 18.05% is positive, indicating growing revenue over the past 3 years

Union Bankshares, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Union Bankshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Union Bankshares, Inc. has insufficient data to evaluate this check.

Union Bankshares, Inc. has an earnings yield of 10.68%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Union Bankshares, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Union Bankshares, Inc. has an EV/EBITDA ratio of 29.27x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Union Bankshares, Inc. is undervalued relative to its fair value price of 78.27 based on Earnings Fair Value model

Union Bankshares, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Union Bankshares, Inc. has a price-to-book ratio of 1.26x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Union Bankshares, Inc. has a price-to-sales ratio of 1.26x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue