Union Bankshares Inc (UNB)vsWells Fargo & Company (WFC)
UNB
Union Bankshares Inc
$23.75
-0.63%
FINANCIAL SERVICES · Cap: $117.61M
WFC
Wells Fargo & Company
$90.29
+0.94%
FINANCIAL SERVICES · Cap: $273.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 145493% more annual revenue ($83.03B vs $57.03M). WFC leads profitability with a 27.2% profit margin vs 21.2%. UNB trades at a lower P/E of 9.2x. WFC earns a higher WallStSmart Score of 76/100 (B+).
UNB
Buy60
out of 100
Grade: C
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 21 of every $100 in revenue as profit
Strong operational efficiency at 22.0%
Mega-cap, among the largest globally
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : UNB
The strongest argument for UNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 21.2% and operating margin at 22.0%. Revenue growth of 13.1% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
Bear Case : UNB
The primary concerns for UNB are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.91 is elevated, increasing financial risk.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
UNB is growing revenue faster at 13.1% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (76/100 vs 60/100), backed by strong 27.2% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Union Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Union Bankshares, Inc. is the banking holding company for Union Bank offering retail, commercial and municipal banking products and services in Northern Vermont and New Hampshire. The company is headquartered in Morrisville, Vermont.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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