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United National BankUNBK 59 FCF Yield % is 11.07 as of Aug. 19, 2026, which is 19% below its 10-year median of 13.71. GuruFocus rates UNBK with a GF Score™ of 59/100 and a GF Value™ of $55.19 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,499 Banks companies, United National Bank ranks better than 64.38% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
United National Bank FCF Yield % Related Terms
United National Bank FCF Yield % Historical Data
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The historical data trend for United National Bank's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's FCF Yield % distribution charts can be found below:
* The bar in red indicates where United National Bank's FCF Yield % 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 Yield % of 11.07 as of Aug. 19, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on United National Bank and its competitors. This is 19% below median its historical median of 13.71. Over the past decade, United National Bank's FCF Yield % has ranged from 8.74 to 23.48. According to the industry distribution chart, United National Bank ranks #534 out of 1499 companies in the Banks industry, placing it in the top 35.6%.
Is United National Bank's FCF Yield % too high?
United National Bank's current FCF Yield % of 11.07 is 19% below median its 10-year median of 13.71. Over the past 10 years, this metric has ranged from a low of 8.74 to a high of 23.48. The Banks industry median FCF Yield % is 8.13. United National Bank's value of 11.07 is 36.2% above this industry median. Based on the distribution chart, United National Bank ranks #534 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, United National Bank has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's FCF Yield % compare to ESBS and MBBC?
According to the Banks industry distribution chart, United National Bank ranks #534 out of 1499 companies for FCF Yield %. This puts United National Bank in the upper half of its industry. The industry median FCF Yield % is 8.13. United National Bank's value of 11.07 is 36.2% above this benchmark. Historically, United National Bank's own FCF Yield % has ranged from 8.74 to 23.48 over the past decade. While the company's 10-year median is 13.71 vs. the industry median of 8.13, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.13, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United National Bank's current FCF Yield % of 11.07 is 36.2% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on United National Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current FCF Yield % is 11.07, which is 19% below median its own 10-year median of 13.71. 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 $55.19, compared to a current price of $54.50 — trading 1.3% below its estimated fair value. The current FCF Yield % is 11.07, which is 19% below median its 10-year median of 13.71 and 36.2% above the Banks industry median of 8.13. United National Bank's overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For United National Bank (UNBK), the current FCF Yield % is 11.07 as of Aug. 19, 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 1.3% below its estimated GF Value™ of $55.19.
GuruFocus considers United National Bank to be Fairly Valued.
Key valuation signals for UNBK:
FCF Yield %: 11.07 (19% below median its 10-year median of 13.71)
GF Value™: $55.19 vs. price of $54.50 (1.3% below fair value)
Industry Position: 36.2% above the Banks median (#534 of 1499)
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.
59GF Score
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