EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United National Bank's Enterprise Value is $-0.15 Mil.
United National Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.85 Mil. Therefore, United National Bank's EV-to-FCF for today is -0.03.
The historical rank and industry rank for United National Bank's EV-to-FCF or its related term are showing as below:
UNBK'
s EV-to-FCF Range Over the Past 10 Years
Min: -8.6 Med: -0.13 Max: 6.05
Current: -0.03
During the past 7 years, the highest EV-to-FCF of United National Bank was 6.05. The lowest was -8.60. And the median was -0.13.
UNBK's EV-to-FCF is ranked better than 84.99% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs UNBK: -0.03
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $56.00.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United National Bank EV-to-FCF Related Terms
United National Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for United National Bank's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United National Bank's EV-to-FCF falls into.
United National Bank's current Enterprise Value is $-0.15 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United National Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.85 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-FCF of -0.03 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United National Bank and its competitors. According to the industry distribution chart, United National Bank ranks #180 out of 1199 companies in the Banks industry, placing it in the top 15%.
Is United National Bank's EV-to-FCF too high?
United National Bank's current EV-to-FCF is -0.03. Based on the distribution chart, United National Bank ranks #180 out of 1199 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, United National Bank has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's EV-to-FCF compare to WDFN and LUMB?
According to the Banks industry distribution chart, United National Bank ranks #180 out of 1199 companies for EV-to-FCF. This places United National Bank in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United National Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current EV-to-FCF is -0.03. 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 $54.80, compared to a current price of $56.00 — trading 2.2% above its estimated fair value. The current EV-to-FCF is -0.03. United National Bank's overall GF Score™ is 58/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United National Bank (UNBK), the current EV-to-FCF is -0.03 as of Jul. 13, 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 overvalued.
The current stock price of $56.00 is trading 2.2% above its estimated GF Value™ of $54.80.
GuruFocus considers United National Bank to be Fairly Valued.
Key valuation signals for UNBK:
EV-to-FCF: -0.03
GF Value™: $54.80 vs. price of $56.00 (2.2% above 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.
58GF Score
Get the complete analysis for UNBK
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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