Union Bankshares, Inc. (UNB) vs Winchester Bancorp, Inc. (WSBK)

Union Bankshares, Inc. and Winchester Bancorp, Inc. are both Banks Regional companies. Union Bankshares, Inc. and Winchester Bancorp, Inc. are of similar size ($116.2M and $113.8M). Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against 9.68%. Union Bankshares, Inc. has the higher net margin (13.4% vs 8.56%) and the higher return on invested capital (12.4% vs 1.64%). Across the 14 metrics below, Union Bankshares, Inc. leads on 11 and Winchester Bancorp, Inc. on 3.

Valuation

Metric UNB WSBK Banks Regional median
P/E 9.04 — 12.15
P/S 1.25 2.21 2.37
P/B 1.25 0.95 1.21
Price to free cash flow 5.30 21.75 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.00 4.11 2.27
Earnings yield 11.06% — 8.11%
Free cash flow yield 18.85% 4.60% 8.98%

Profitability

Metric UNB WSBK Banks Regional median
Gross margin 63.32% 50.85% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.40% 8.56% 18.66%
Free cash flow margin 23.57% 10.17% 21.18%
Return on equity 14.98% 3.75% 10.64%
Return on assets 0.80% 0.43% 1.13%
Return on invested capital 12.37% 1.64% 8.33%

Growth

Metric UNB WSBK Banks Regional median
Revenue growth (TTM) 9.68% 16.05% 6.61%
EPS growth (last fiscal year) 25.26% — —
Revenue growth, 5-year CAGR 10.59% — 12.30%
Net income growth, 5-year CAGR (2.85%) — 9.71%

Health

Metric UNB WSBK Banks Regional median
Debt to equity 0.18 1.31 0.22
Current ratio 0.80 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric UNB WSBK Banks Regional median
Dividend yield 4.93% — 3.75%
Payout ratio 0.50 — 0.27

Size

Metric UNB WSBK Banks Regional median
Market cap 116.23m 113.80m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack