United National BankUNBK 54 FCF Margin % is 31.43% as of Dec. 2025, which is at its 10-year median of 31.43. GuruFocus rates UNBK with a GF Score™ of 54/100 and a GF Value™ of $54.62 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,504 Banks companies, United National Bank ranks better than 58.78% on this metric.
The historical rank and industry rank for United National Bank's FCF Margin % or its related term are showing as below:
UNBK'
s FCF Margin % Range Over the Past 10 Years
Min: 27.18 Med: 31.43 Max: 36.65
Current: 31.43
During the past 7 years, the highest FCF Margin % of United National Bank was 36.65%. The lowest was 27.18%. And the median was 31.43%.
UNBK's FCF Margin % is ranked better than 58.78% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs UNBK: 31.43
United National Bank FCF Margin % Related Terms
United National Bank FCF Margin % Historical Data
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The historical data trend for United National Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United National Bank's FCF Margin % falls into.
* 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 FCF Margin % of 31.43% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United National Bank and its competitors. This is near median its historical median of 31.43. Over the past decade, United National Bank's FCF Margin % has ranged from 27.18 to 36.65. According to the industry distribution chart, United National Bank ranks #620 out of 1504 companies in the Banks industry, placing it in the top 41.2%.
Is United National Bank's FCF Margin % too high?
United National Bank's current FCF Margin % of 31.43% is near median its 10-year median of 31.43. Over the past 10 years, this metric has ranged from a low of 27.18 to a high of 36.65. The Banks industry median FCF Margin % is 26.50. United National Bank's value of 31.43% is 18.6% above this industry median. Based on the distribution chart, United National Bank ranks #620 out of 1504 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to QNTO and LUMB?
According to the Banks industry distribution chart, United National Bank ranks #620 out of 1504 companies for FCF Margin %. This puts United National Bank in the upper half of its industry. The industry median FCF Margin % is 26.50. United National Bank's value of 31.43% is 18.6% above this benchmark. Historically, United National Bank's own FCF Margin % has ranged from 27.18 to 36.65 over the past decade. While the company's 10-year median is 31.43 vs. the industry median of 26.50, United National Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United National Bank's current FCF Margin % of 31.43% is 18.6% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United National Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current FCF Margin % is 31.43%, which is near median its own 10-year median of 31.43. 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 $54.62, compared to a current price of $56.01 — trading 2.5% above its estimated fair value. The current FCF Margin % is 31.43%, which is near median its 10-year median of 31.43 and 18.6% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United National Bank (UNBK), the current FCF Margin % is 31.43% 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 2.5% above its estimated GF Value™ of $54.62.
GuruFocus considers United National Bank to be Fairly Valued.
Key valuation signals for UNBK:
FCF Margin %: 31.43% (near median its 10-year median of 31.43)
GF Value™: $54.62 vs. price of $56.01 (2.5% above fair value)
Industry Position: 18.6% above the Banks median (#620 of 1504)
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.
54GF Score
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