UNB vs. O
UNB (Union Bankshares, Inc.) and O (Realty Income Corporation) are both stocks. UNB operates in Banks - Regional (Financial Services), while O operates in REIT - Retail (Real Estate). Over the past 10 years, UNB returned 0.35%/yr vs 4.54%/yr for O. At a 0.03 correlation, their price movements are largely independent.
Performance
UNB vs. O - Performance Comparison
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Returns By Period
In the year-to-date period, UNB achieves a 8.38% return, which is significantly lower than O's 12.37% return. Over the past 10 years, UNB has underperformed O with an annualized return of 0.35%, while O has yielded a comparatively higher 4.54% annualized return.
UNB
- 1D
- 0.97%
- 1M
- 5.00%
- YTD
- 8.38%
- 6M
- 9.02%
- 1Y
- 1.71%
- 3Y*
- 8.40%
- 5Y*
- -3.06%
- 10Y*
- 0.35%
O
- 1D
- 0.75%
- 1M
- 0.39%
- YTD
- 12.37%
- 6M
- 12.31%
- 1Y
- 12.88%
- 3Y*
- 7.62%
- 5Y*
- 3.92%
- 10Y*
- 4.54%
UNB vs. O - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UNB Union Bankshares, Inc. | 8.38% | -13.84% | -0.67% | 35.30% | -15.44% | 21.05% | -25.20% | -21.52% | -7.67% | 19.60% |
O Realty Income Corporation | 12.37% | 12.20% | -2.11% | -4.55% | -7.38% | 23.95% | -11.60% | 21.27% | 15.94% | 3.67% |
Correlation
The correlation between UNB and O is 0.14, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.14 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.14 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.11 |
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 | 0.03 |
The correlation between UNB and O shifts across timeframes, from 0.03 (all time) to 0.14 (3 years), reflecting how their relationship changes across market environments.
Fundamentals
UNB:
$2.53
O:
$1.17
UNB:
9.87
O:
52.79
UNB:
1.29
O:
7.13
UNB:
$88.45M
O:
$5.92B
UNB:
$55.26M
O:
$3.89B
UNB:
$13.53M
O:
$3.93B
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Return for Risk
UNB vs. O — Risk / Return Rank
UNB
O
UNB vs. O - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Union Bankshares, Inc. (UNB) and Realty Income Corporation (O). 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 | O | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.73 | ||
| Sortino ratioReturn per unit of downside risk | -0.83 | ||
| Omega ratioGain probability vs. loss probability | 1.04 | 1.14 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 0.07 | 1.17 | -1.09 |
| Martin ratioReturn relative to average drawdown | 0.14 | 2.71 | -2.57 |
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Drawdowns
UNB vs. O - Drawdown Comparison
The maximum UNB drawdown since its inception was -66.38%, which is greater than O's maximum drawdown of -48.45%. Use the drawdown chart below to compare losses from any high point for UNB and O.
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Drawdown Indicators
| UNB | O | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.38% | -48.45% | -17.93% |
Max Drawdown (1Y)Largest decline over 1 year | -23.33% | -11.10% | -12.23% |
Max Drawdown (3Y)Largest decline over 3 years | -40.14% | -26.49% | -13.65% |
Max Drawdown (5Y)Largest decline over 5 years | -40.78% | -34.48% | -6.30% |
Max Drawdown (10Y)Largest decline over 10 years | -66.38% | -48.28% | -18.10% |
Current DrawdownCurrent decline from peak | -32.97% | -7.03% | -25.94% |
Average DrawdownAverage peak-to-trough decline | -17.88% | -9.20% | -8.68% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.69% | 4.77% | +7.92% |
Volatility
UNB vs. O - Volatility Comparison
The current volatility for Union Bankshares, Inc. (UNB) is 5.07%, while Realty Income Corporation (O) has a volatility of 6.01%. This indicates that UNB experiences smaller price fluctuations and is considered to be less risky than O based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UNB | O | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.07% | 6.01% | -0.94% |
Volatility (6M)Calculated over the trailing 6-month period | 19.91% | 12.15% | +7.76% |
Volatility (1Y)Calculated over the trailing 1-year period | 30.52% | 16.39% | +14.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 34.55% | 18.92% | +15.63% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 39.90% | 25.66% | +14.24% |
Dividends
UNB vs. O - Dividend Comparison
UNB's dividend yield for the trailing twelve months is around 5.76%, more than O's 5.22% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
O Realty Income Corporation | 5.22% | 6.19% | 5.37% | 5.33% | 4.68% | 3.87% | 4.51% | 3.69% | 4.19% | 4.45% | 4.18% | 4.41% |
UNB Union Bankshares, Inc. | 5.76% | 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. O - Financials Comparison
This section allows you to compare key financial metrics between Union Bankshares, Inc. and Realty Income Corporation. 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. O - Profitability Comparison
UNB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Union Bankshares, Inc. reported a gross profit of 14.13M and revenue of 22.00M. Therefore, the gross margin over that period was 64.2%.
O - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Realty Income Corporation reported a gross profit of 0.00 and revenue of 1.55B. Therefore, the gross margin over that period was 0.0%.
UNB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Union Bankshares, Inc. reported an operating income of 3.33M and revenue of 22.00M, resulting in an operating margin of 15.1%.
O - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Realty Income Corporation reported an operating income of 0.00 and revenue of 1.55B, resulting in an operating margin of 0.0%.
UNB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Union Bankshares, Inc. reported a net income of 3.00M and revenue of 22.00M, resulting in a net margin of 13.6%.
O - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Realty Income Corporation reported a net income of -9.17M and revenue of 1.55B, resulting in a net margin of -0.6%.
Frequently Asked Questions
UNB and O have a correlation of 0.14, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
O has higher volatility (6.01%) compared to UNB (5.07%). In terms of maximum drawdown, UNB dropped -66.38% vs O's -48.45%.
O currently has the higher Sharpe Ratio (0.79 vs 0.06), 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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