Union Bankshares Corporation is the holding company for the Union Bank & Trust Company, Rappahannock National Bank, Bay Community Bank, Northern Neck State Bank, and Prosperity Bank & Trust Company. These banks offer a range of retail commercial banking services and insurance products to businesses and consumers. In addition, Union Bankshares provides securities, brokerage, and investment advisory services. The company operates almost 60 branches throughout the Commonwealth.
Investment Impacts (help)
USA Country Analysis ► (edit / improve) The United States (US) has a highly productive, capitalist economy and is the largest and most diverse market in the world. Currency Analysis: the US dollar (USD) has the potential to increase in value especially versus the Australian and Canadian dollar because of the significant potential of undervalued companies (see investment flows analysis). Investor Survey: the economic environment is very favorable for long term economic growth due to high scores on economic freedom and economic diversity. Trade Analysis: China, Japan, Mexico, and Canada are the top US trading partners, while the leading export and import are electrical machinery and vehicles, respectively. Commodity Analysis: The US produces a significant amount of coal and wheat for use at home and as an export. However, the US consumes a larger amount of oil, which contributes to their trade deficit. SWOT Analysis: The leading US strength is its entrepreneurial culture, while the main weakness is high health care cost. Energy independence has the opportunity to propel growth, while the housing crisis may lower growth. Profit Conclusion: An undervalued currency, high investment flow potential and favorable business environment lead to a positive outlook for US investments, which will also benefit from positive international actions.
Union Bankshares Corporation operates as the holding company… ► (edit / improve)
Importance of the Industry Analysis? WikiWealth's industry analysis evaluates the major industry characteristics that affect investments within that industry. Company specific factors drive the performance of individual companies, but macro-economic industry factors can affect the performance of entire groups of stocks.
Warren Buffett Quote: "When a management with a reputation for brilliance tackles a business with a reputation for bad economics, it is the reputation of the business that remains intact."
No matter the quality of your business, industry economics is an important factor in any investment decision.
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A professional industry analysis can cost between $150 to $15,000. WikiWealth's industry analysis is free and open to "improve / edit." WikiWealth has a range of skills and experience to complete any industry analysis or related financial request. See our professional services for more information.
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WikiWealth.com Industry Description: The financial services industry includes companies whose sales come from the management of money for individuals and institutions. Financial services companies include banks, insurance companies, brokerage, wealth management, and credit card companies… Read More.
WikiWealth.com Profit Analysis: The best way to profit from financial service stock investments is to find the most undervalued investments (Wall Street and Main Street buy ratings) during economic recessions. Those investments should be undervalued (see Wall Street Analysis on left side), and have high Main Street Common Sense investment ratings (see Main Street Analysis on right side). Interest rates are also lowest during this time period, which decreases the cost of borrowing money for financial service companies.
When an economic recovery occurs, financial stocks tend to outperform the general stock market, because consumers and businesses quickly resume spending on items such as cars or business loans they wanted, but resisted obtaining during tougher economic times. Eventually financial stocks become overvalued, because profits and stock prices increase past their fair values. During the last stages of an economic business cycle, just before a recession, it is best to sell financial stocks, because they are likely to decrease in price. Interest rates are highest at the end of recessions to fight inflation by making money for banks more expensive. Expensive (overvalued) stocks with low Main Street Common Sense ratings should be sold at any time to invest in better stocks. Two buys ratings are the best and two sell ratings are the worst possible stock investments. Click for more information: stock research ratings.
WikiWealth.com Industry Analysis: During economic recessions, consumers and businesses tend to cut back on expenses and investments to save money during tough economic times. Bank loans, equity or debt raising, general spending and many other financial activities slow during recessions. Less spending decreases business revenue and eventually decreases the stock prices of financial services companies. During economic recoveries, consumers have a greater desire to spend money and make business investments. Higher spending increases business revenue and eventually increases stock prices. During longer economic expansions, financial services may actually increase faster than the general market due to large investments by companies and mergers and acquisitions between companies. Consumers have more confidence in the stock market and increase stock investments and private business investments. Over-investment leads to higher inflation and higher interest rates, which make it harder to obtain money.
The return on money lent minus the expense of borrowing money equals the profits for many financial services companies. When interest rates increase, this raises the expense of borrowing money. Generally, interest rates increase near the end of the expansion phase of the business cycle to slow the potential for inflation. Interest rates are generally lowest during recessions, because inflation risk is lowest and the government wants to encourage business investments by making money relatively cheap to obtain.
1 Investment potential (margin of safety) is a weighted average of the discounted cash flow analysis (DCF), the enterprise value (EV) market multiple analysis, and the Warren Buffett investment analysis. WikiWealth obtains 80% of their quantitative investment potential from fundamental investment analysis.
2 The weighted average cost of capital (WACC) analysis for the industry is a broad representation of the WACC for each individual company. A sub-industry WACC analysis offers both stability and accuracy for each individual company.
What is a SWOT Analysis? The SWOT Analysis evaluates the strengths, weaknesses, opportunities, and threats involved in a business or project. The SWOT analysis is essential to understanding the many different risk and rewards of any investment. Add your content to the SWOT Analysis, below. Also see our SWOT Analysis tutorial for help.
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Quickly add a comment below to improve the SWOT analysis. WikiWealth professionals happily review each comment and improve upon the initial ideas. Think of a useful statement, enter a title, press "Add Your Input", enter something in the new page (optional), then press "SAVE." Feel free to add your comments or improve upon other comments. We all deserve free SWOT analysis of the highest quality.
Importance?
The quality and quantify of SWOT statements has a direct impact on stock ratings, and thus, company investments. A professional SWOT analysis cost a minimum of $150. WikiWealth's SWOT analysis is free and open to improve / edit. WikiWealth has a range of skills and experience to complete any SWOT analysis or related financial request. See our professional services for more information.
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How does this work? The WACC Discount Rate (weighted average cost of capital) is the rate used to determine business risk of a company. WikiWealth uses an industry average WACC calculation to increase the stability and accuracy of this calculation. Click on the Experimental Mode to form your own conclusion. Also see the experimental mode tutorial.
Importance?
The result of this calculation is an essential input for the discounted cash flow analysis. This method is widely used by investment professionals to determine the correct price of investments using the discounted cash flow analysis.
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How does this work? The Discounted Cash Flow (DCF) analysis computes a value based on the present value of all future cash flows generated by the business. The DCF tool is widely used by professionals in the financial services industries. Click on the Experimental Mode to form your own conclusion. Also see the experimental mode tutorial.
Importance?
This analysis is never given away freely, because it is expensive and complicated. Many investment professionals charge hundred of dollars just to see the results from this approach, but WikiWealth allows everyone to view and manipulate this analysis freely. This is one of the most important elements of WikiWealth's three Wall Street approaches used to determine the correct fair value of an investment.
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How does this work? The Comparative Value Analysis helps to determine the value of a company by comparing their financial ratios to the ratios of relevant peer groups. This method is also referred to as the relative value or Enterprise Value Multiple analysis. Click on the Experimental Mode to form your own conclusion. Also see the experimental mode tutorial.
Importance?
This method is widely used by investment professionals to determine the correct price of investments, especially initial public offerings (IPOs). It is one element of WikiWealth's three Wall Street approaches used to determine the correct fair value of an investment.
Experiment Analysis Mode?
Useful for experimenting with the analysis without permanently changing the results for others. Change the "true" / "false" section to "include" or "exclude" specific companies. The entire analysis will automatically based on your changes. See our How To video: Experimental Mode or read our calculator mode help section. Changes are not permanent.
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The wiki-platform allows easy edits of information and content by anyone. All users edits are monitored and review by WikiWealth professionals. The experimental mode is free and open to manipulate by anyone. Changes are not permanent.
How does this work? The Warren Buffett Intrinsic Value Analysis, developed exclusively by WikiWealth, tries to mimic the valuation approach used by Warren Buffett, arguably the greatest investor of all time. Click on the Experimental Mode to play around and make your own conclusions: Experimental Mode tutorial.
Importance?
This method is unique and experimental, but extensive testing on over 3,200 companies confirms the results to be surprisingly accurate and consistent with more advanced approaches. If the greatest investor of all time can consistently beat the stock market, then his methods are worth your attention. WikiWealth is the first and only company to utilize this approach to investing.
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Useful for experimenting with the analysis without permanently changing the results for others. See our How To video: Experimental Mode or read our calculator mode help section. Changes are not permanent.
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The wiki-platform allows easy edits of information and content by anyone. The experimental mode is free and open to manipulate by anyone.
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