UNB vs. MO
UNB (Union Bankshares, Inc.) and MO (Altria Group, Inc.) are both stocks. UNB operates in Banks - Regional (Financial Services), while MO operates in Tobacco (Consumer Defensive). Over the past 10 years, UNB returned 1.32%/yr vs 7.64%/yr for MO. At a 0.05 correlation, their price movements are largely independent.
Performance
UNB vs. MO - Performance Comparison
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Returns By Period
In the year-to-date period, UNB achieves a 11.50% return, which is significantly lower than MO's 30.70% return. Over the past 10 years, UNB has underperformed MO with an annualized return of 1.32%, while MO has yielded a comparatively higher 7.64% annualized return.
UNB
- 1D
- 1.58%
- 1M
- 8.99%
- 6M
- 6.65%
- YTD
- 11.50%
- 1Y
- 0.73%
- 3Y*
- 11.20%
- 5Y*
- -0.00%
- 10Y*
- 1.32%
MO
- 1D
- 3.56%
- 1M
- 4.05%
- 6M
- 22.38%
- YTD
- 30.70%
- 1Y
- 32.49%
- 3Y*
- 26.47%
- 5Y*
- 17.84%
- 10Y*
- 7.64%
UNB vs. MO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UNB Union Bankshares, Inc. | 11.50% | -13.84% | -0.67% | 35.30% | -15.44% | 21.05% | -25.20% | -21.52% | -7.67% | 19.60% |
MO Altria Group, Inc. | 30.70% | 18.17% | 40.76% | -3.70% | 4.37% | 24.18% | -10.21% | 7.87% | -27.14% | 9.45% |
Correlation
The correlation between UNB and MO is 0.08, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.08 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.05 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.06 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.11 |
Correlation (All Time) Calculated using the full available price history since Aug 9, 1999 | 0.05 |
Fundamentals
UNB:
$118.58M
MO:
$121.95B
UNB:
$2.61
MO:
$4.80
UNB:
9.83
MO:
15.22
UNB:
1.32
MO:
5.62
UNB:
$90.35M
MO:
$21.82B
UNB:
$57.05M
MO:
$14.80B
UNB:
$14.30M
MO:
$11.70B
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Return for Risk
UNB vs. MO — Risk / Return Rank
UNB
MO
UNB vs. MO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Union Bankshares, Inc. (UNB) and Altria Group, Inc. (MO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| UNB | MO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.38 | ||
| Sortino ratioReturn per unit of downside risk | -1.68 | ||
| Omega ratioGain probability vs. loss probability | 1.03 | 1.26 | -0.23 |
| Calmar ratioReturn relative to maximum drawdown | 0.03 | 1.99 | -1.96 |
| Martin ratioReturn relative to average drawdown | 0.06 | 4.99 | -4.93 |
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Drawdowns
UNB vs. MO - Drawdown Comparison
The maximum UNB drawdown since its inception was -66.38%, roughly equal to the maximum MO drawdown of -65.43%. Use the drawdown chart below to compare losses from any high point for UNB and MO.
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Drawdown Indicators
| UNB | MO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.38% | -65.43% | -0.95% |
Max Drawdown (1Y)Largest decline over 1 year | -23.03% | -16.40% | -6.63% |
Max Drawdown (3Y)Largest decline over 3 years | -40.14% | -16.40% | -23.74% |
Max Drawdown (5Y)Largest decline over 5 years | -40.14% | -25.83% | -14.31% |
Max Drawdown (10Y)Largest decline over 10 years | -66.38% | -53.69% | -12.69% |
Current DrawdownCurrent decline from peak | -31.04% | -1.38% | -29.66% |
Average DrawdownAverage peak-to-trough decline | -17.91% | -11.91% | -6.00% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.52% | 6.53% | +5.99% |
Volatility
UNB vs. MO - Volatility Comparison
Union Bankshares, Inc. (UNB) has a higher volatility of 11.46% compared to Altria Group, Inc. (MO) at 7.37%. This indicates that UNB's price experiences larger fluctuations and is considered to be riskier than MO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UNB | MO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.46% | 7.37% | +4.09% |
Volatility (6M)Calculated over the trailing 6-month period | 22.29% | 18.19% | +4.10% |
Volatility (1Y)Calculated over the trailing 1-year period | 31.04% | 23.23% | +7.81% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 34.54% | 20.82% | +13.72% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.88% | 23.07% | +16.81% |
Dividends
UNB vs. MO - Dividend Comparison
UNB's dividend yield for the trailing twelve months is around 5.60%, less than MO's 5.81% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MO Altria Group, Inc. | 5.81% | 7.21% | 7.65% | 9.52% | 8.05% | 7.43% | 8.29% | 6.57% | 6.07% | 3.56% | 3.48% | 3.73% |
UNB Union Bankshares, Inc. | 5.60% | 6.07% | 4.98% | 4.70% | 5.83% | 4.43% | 4.98% | 3.42% | 2.51% | 2.19% | 2.44% | 3.87% |
Financials
UNB vs. MO - Financials Comparison
This section allows you to compare key financial metrics between Union Bankshares, Inc. and Altria Group, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
UNB vs. MO - Profitability Comparison
UNB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Union Bankshares, Inc. reported a gross profit of 14.69M and revenue of 23.30M. Therefore, the gross margin over that period was 63.0%.
MO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Altria Group, Inc. reported a gross profit of 3.51B and revenue of 5.43B. Therefore, the gross margin over that period was 64.6%.
UNB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Union Bankshares, Inc. reported an operating income of 3.23M and revenue of 23.30M, resulting in an operating margin of 13.8%.
MO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Altria Group, Inc. reported an operating income of 2.96B and revenue of 5.43B, resulting in an operating margin of 54.5%.
UNB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Union Bankshares, Inc. reported a net income of 2.92M and revenue of 23.30M, resulting in a net margin of 12.6%.
MO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Altria Group, Inc. reported a net income of 2.18B and revenue of 5.43B, resulting in a net margin of 40.2%.
Frequently Asked Questions
UNB and MO have a correlation of 0.08, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UNB has higher volatility (11.46%) compared to MO (7.37%). In terms of maximum drawdown, UNB dropped -66.38% vs MO's -65.43%.
MO currently has the higher Sharpe Ratio (1.41 vs 0.02), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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