On the stock market since 1999, it operates in the world of money and finance. It has 195 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 14% a year over the last 4 years. Every year shown ended in profit.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Sales are growing strongly for its sector.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 37% below its peak. The market has trimmed its expectations for the company.
Over the last 3 years, sales grew about 18% a year on average.
Over the last 12 months, company executives reported 26 buys and 7 sells. Management buying with its own money is usually read as a good sign.
It pays out $1.44 per share each year — regular cash for whoever holds the stock.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 25/100. For a turnaround signal, the stock first needs to close the gap with the market.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 40/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 43/100.
On our five-subject report card, UNB sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: UNB is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.