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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Unity Bank's Enterprise Value is ₦17,650.90 Mil.
Unity Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2023 was ₦62,678.51 Mil. Therefore, Unity Bank's EV-to-OCF for today is 0.28.
The historical rank and industry rank for Unity Bank's EV-to-OCF or its related term are showing as below:
NSA:UBP's EV-to-OCF is not ranked *
in the Banks industry.
Industry Median: 4.08 * Ranked among companies with meaningful EV-to-OCF only.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Unity Bank's share price for today is ₦1.51.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Unity Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2023 was ₦-5.359.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Unity Bank EV-to-OCF Related Terms
Unity Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Unity Bank's EV-to-OCF 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.
Unity Bank's current Enterprise Value is ₦17,650.90 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Unity Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2023 was ₦62,678.51 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.
Unity Bank (NSA:UBP) has a EV-to-OCF of 0.28 as of Aug. 10, 2026.
Is Unity Bank's EV-to-OCF too high?
Unity Bank's current EV-to-OCF is 0.28. The Banks industry median EV-to-OCF is 4.08. Unity Bank's value of 0.28 is 93.1% below this industry median. Overall, Unity Bank has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Unity Bank's EV-to-OCF compare to USB and PNC?
Unity Bank's EV-to-OCF of 0.28 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 4.08. Unity Bank's value of 0.28 is 93.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.08, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unity Bank's current EV-to-OCF of 0.28 is 93.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unity Bank's current EV-to-OCF is 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unity Bank stock overvalued right now?
Unity Bank (NSA:UBP) has a current EV-to-OCF of 0.28. The current EV-to-OCF is 0.28 and 93.1% below the Banks industry median of 4.08. Unity Bank's overall GF Score™ is 8/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Unity Bank (NSA:UBP), the current EV-to-OCF is 0.28 as of Aug. 10, 2026. 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.
Unity Bank PLC provides a range of retail, corporate, treasury and investment banking services in Nigeria. The Bank's offerings include Private banking, Digital Banking, Business banking, custody services, consumer loans & mortgages, structured financing, and corporate leasing services among others. It has six Business segments Corporate Banking, Commercial Banking, Personal Banking, Private Banking, SME and Institutional Banking. The Bank operated two geographical segments in addition to the Head Office which is: North and South Bank, of which it dervies majority revenue from North Bank.
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