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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, United National Bank's Enterprise Value is $-1.36 Mil.
United National Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $4.90 Mil. Therefore, United National Bank's EV-to-OCF for today is -0.28.
The historical rank and industry rank for United National Bank's EV-to-OCF or its related term are showing as below:
UNBK'
s EV-to-OCF Range Over the Past 10 Years
Min: -8.42 Med: -0.13 Max: 5.82
Current: -0.28
During the past 7 years, the highest EV-to-OCF of United National Bank was 5.82. The lowest was -8.42. And the median was -0.13.
UNBK's EV-to-OCF is ranked better than 70.66% of 1493
companies
in the Banks industry
Industry Median: 3.87
vs UNBK: -0.28
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.
United National Bank (OTCPK:UNBK) EV-to-OCF Explanation
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.
United National Bank's PE Ratio (TTM) for today is calculated as:
United National Bank's share price for today is $54.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United National Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.510.
* 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.
United National Bank EV-to-OCF Related Terms
United National Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for United National 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.
For the Banks - Regional subindustry, United National Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United National Bank EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where United National Bank's EV-to-OCF falls into.
United National Bank's current Enterprise Value is $-1.36 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United National Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $4.90 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.
United National Bank (UNBK) has a EV-to-OCF of -0.28 as of Aug. 29, 2026. According to the industry distribution chart, United National Bank ranks #438 out of 1493 companies in the Banks industry, placing it in the top 29.3%.
Is United National Bank's EV-to-OCF too high?
United National Bank's current EV-to-OCF is -0.28. Based on the distribution chart, United National Bank ranks #438 out of 1493 companies in the Banks industry, which is above the industry midpoint. Overall, United National Bank has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's EV-to-OCF compare to ESBS and MBBC?
According to the Banks industry distribution chart, United National Bank ranks #438 out of 1493 companies for EV-to-OCF. This puts United National Bank in the upper half of its industry. The industry median EV-to-OCF is 3.87. 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 3.87, based on 1,493 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. 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 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National 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 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 $55.30, compared to a current price of $54.50 — trading 1.4% below its estimated fair value. The current EV-to-OCF is -0.28. United National Bank's overall GF Score™ is 55/100 with 1 warning sign to review. 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 United National Bank (UNBK), the current EV-to-OCF is -0.28 as of Aug. 29, 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.
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 $54.50 is trading 1.4% below its estimated GF Value™ of $55.30.
GuruFocus considers United National Bank to be Fairly Valued.
Key valuation signals for UNBK:
EV-to-OCF: -0.28
GF Value™: $55.30 vs. price of $54.50 (1.4% below fair value)
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 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.
55GF Score
Get the complete analysis for UNBK
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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