Union Bankshares Inc (UNB)vsWells Fargo & Company (WFC)
UNB
Union Bankshares Inc
$23.74
+1.24%
FINANCIAL SERVICES · Cap: $115.98M
WFC
Wells Fargo & Company
$84.81
+1.36%
FINANCIAL SERVICES · Cap: $251.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 143727% more annual revenue ($83.11B vs $57.79M). WFC leads profitability with a 27.6% profit margin vs 21.5%. UNB trades at a lower P/E of 8.9x. WFC earns a higher WallStSmart Score of 74/100 (B).
UNB
Buy54
out of 100
Grade: C-
WFC
Strong Buy74
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 22 of every $100 in revenue as profit
Strong operational efficiency at 29.0%
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.1%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 6.8B in free cash flow
Areas to Watch
2.7% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
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 21.5% and operating margin at 29.0%.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.1%. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : UNB
The primary concerns for UNB are EPS Growth, Market Cap, Altman Z-Score. Debt-to-equity of 3.91 is elevated, increasing financial risk.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
UNB profiles as a mature stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
UNB is growing revenue faster at 5.4% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 54/100), backed by strong 27.6% 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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