COMP <GO>
UNB vs MS // DIVIDEND YIELD & FCF PAYOUT SAFETY
Union Bankshares Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: UNB 4
— MS 2
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: UNB
LAST: $22.57 (-1.14%) • MKT CAP: $112.9M
dividend-safety
5.61%
LAST: $185.73 (+0.78%) • MKT CAP: $289.46B
dividend-safety
2.21%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UNB VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UNB | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.70% | 3.00% | +10.70 | UNB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 13.67% | -7.25% | +20.92 | UNB | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 20.20% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 5.50% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 5.61% | 2.21% | +3.40 | UNB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.8 | 44.1 | -1.30 | MS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.8x | 16.5x | -6.70 | UNB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $112.9M | $289.46B | -$289.34B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UNB REV | MS REV | UNB GROSS % | MS GROSS % | UNB FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $679.2M | $55.71B | — | — | $16.0M | -$17.89B |
| FY 2024 | $641.9M | $44.24B | — | — | $11.1M | $1.36B |
| FY 2023 | $50.9M | $30.02B | — | — | $9.2M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UNB // BETA —
MS // BETA 1.04