UNBK (United National Bank) Payments of Debt: $-3.69 Mil (TTM As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UNBK United National Bank UNBK
59 GF Score
Price $54.11
GF Value $54.82
Valuation Fairly Valued
! 1 Warning Sign
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What is United National Bank Payments of Debt?

United National Bank UNBK -3.38% 59 Payments of Debt is $-3.69 Mil as of Dec. 2025. GuruFocus rates UNBK with a GF Score™ of 59/100 and a GF Value™ of $54.82 (Fairly Valued). The stock has 1 warning sign investors should review.

United National Bank's Payments of Debt for the six months ended in Dec. 2025 was $-3.69 Mil.

United National Bank's Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $-3.69 Mil.

United National Bank Payments of Debt Related Terms

United National Bank Payments of Debt Historical Data

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The historical data trend for United National Bank's Payments of Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United National Bank Payments of Debt Chart

United National Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt
Get a 7-Day Free Trial -2.33 -5.45 -0.45 -0.45 -3.69

United National Bank Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt Get a 7-Day Free Trial -2.33 -5.45 -0.45 -0.45 -3.69
UNBK
59GF Score
United National Bank UNBK
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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United National Bank Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $-3.69 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Payments of Debt →
What does a Payments of Debt of $-3.69 Mil mean?
United National Bank (UNBK) has a Payments of Debt of $-3.69 Mil as of Dec. 2025. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on United National Bank and its competitors.
Is United National Bank's Payments of Debt too high?
United National Bank's current Payments of Debt is $-3.69 Mil. Overall, United National Bank has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's Payments of Debt compare to WDFN and LUMB?
United National Bank's Payments of Debt of $-3.69 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Payments of Debt for a Banks company?
A good Payments of Debt depends on the Banks industry context. However, Payments of Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on United National Bank and its competitors. United National Bank's current Payments of Debt is $-3.69 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United National Bank stock overvalued right now?
Based on GuruFocus' analysis, United National Bank (UNBK) is currently considered Fairly Valued. The stock's GF Value™ is $54.82, compared to a current price of $54.11 — trading 1.3% below its estimated fair value. The current Payments of Debt is $-3.69 Mil. United National Bank's overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For United National Bank (UNBK), the current Payments of Debt is $-3.69 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United National Bank (UNBK) Overvalued in 2026?

Based on GuruFocus' analysis, United National Bank stock appears to be undervalued. The current stock price of $54.11 is trading 1.3% below its estimated GF Value™ of $54.82. GuruFocus considers United National Bank to be Fairly Valued.

Key valuation signals for UNBK:

  • Payments of Debt: $-3.69 Mil
  • GF Value™: $54.82 vs. price of $54.11 (1.3% below fair value)
  • GF Score™: 59/100 with 1 warning sign

No single metric tells the full story. See the UNBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

United National Bank Business Description

Address 722 North Broad Street, P.O. Box 150, Cairo, GA, USA, 39828
United National Bank is a United States-based company engaged in the banking services business. The Bank accepts deposits, makes loans, and provides other services for the public. The bank's portfolio segments are Construction and development, Real estate - mortgage, Commercial real estate, Commercial and industrial, Farmland and agricultural, Other.
59GF Score

Get the complete analysis for UNBK

Payments of Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.11
Price
$54.82
GF Value