UNBK (United National Bank) EPS (Basic): $5.51 (TTM As of Dec. 2025)


UNBK United National Bank UNBK
54 GF Score
Price $56.01
GF Value $54.60
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is United National Bank EPS (Basic)?

United National Bank UNBK 54 EPS (Basic) is $5.51 as of Dec. 2025. GuruFocus rates UNBK with a GF Score™ of 54/100 and a GF Value™ of $54.60 (Fairly Valued). The stock has 1 warning sign investors should review.

United National Bank's basic earnings per share (Basic EPS) for the six months ended in Dec. 2025 was $5.51. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.51.

United National Bank's EPS (Diluted) for the six months ended in Dec. 2025 was $5.51. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.51.

United National Bank's EPS without NRI for the six months ended in Dec. 2025 was $6.32. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 6.32.

During the past 12 months, United National Bank's average EPS without NRIGrowth Rate was 14.40% per year. During the past 3 years, the average EPS without NRI Growth Rate was 9.10% per year. During the past 5 years, the average EPS without NRI Growth Rate was 10.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 7 years, United National Bank's highest 3-Year average EPS without NRI Growth Rate was 19.10% per year. The lowest was 7.70% per year. And the median was 10.05% per year.

United National Bank  (OTCPK:UNBK) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

United National Bank EPS (Basic) Related Terms

United National Bank EPS (Basic) Historical Data

* Premium members only.

The historical data trend for United National Bank's EPS (Basic) 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 EPS (Basic) Chart

United National Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial 4.04 4.87 6.79 5.52 5.51

United National Bank Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic) Get a 7-Day Free Trial 4.04 4.87 6.79 5.52 5.51
UNBK
54GF Score
United National Bank UNBK
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United National Bank EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

United National Bank's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(4.437-0)/0.805
=5.51

United National Bank's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(4.437-0)/0.805
=5.51

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.51

* 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 EPS (Basic) →
What does a EPS (Basic) of $5.51 mean?
United National Bank (UNBK) has a EPS (Basic) of $5.51 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on United National Bank and its competitors.
Is United National Bank's EPS (Basic) too high?
United National Bank's current EPS (Basic) is $5.51. Overall, United National Bank has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's EPS (Basic) compare to QNTO and LUMB?
United National Bank's EPS (Basic) of $5.51 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on United National Bank and its competitors. United National Bank's current EPS (Basic) is $5.51. 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 $54.60, compared to a current price of $56.01 — trading 2.6% above its estimated fair value. The current EPS (Basic) is $5.51. United National Bank's overall GF Score™ is 54/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For United National Bank (UNBK), the current EPS (Basic) is $5.51 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 overvalued. The current stock price of $56.01 is trading 2.6% above its estimated GF Value™ of $54.60. GuruFocus considers United National Bank to be Fairly Valued.

Key valuation signals for UNBK:

  • EPS (Basic): $5.51
  • GF Value™: $54.60 vs. price of $56.01 (2.6% above fair value)
  • GF Score™: 54/100 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.
54GF Score

Get the complete analysis for UNBK

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.01
Price
$54.60
GF Value