Union Pacific (XTER:UNP) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTER:UNP Union Pacific Corp XTER:UNP
88 GF Score
Price €270.70
GF Value €220.71
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Union Pacific Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

XTER:UNP
88GF Score
Union Pacific Corp XTER:UNP
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Union Pacific (XTER:UNP) Overvalued in 2026?

Based on GuruFocus' analysis, Union Pacific stock appears to be overvalued. The current stock price of €270.70 is trading 22.6% above its estimated GF Value™ of €220.71. GuruFocus considers Union Pacific to be Modestly Overvalued.

Key valuation signals for XTER:UNP:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €220.71 vs. price of €270.70 (22.6% above fair value)
  • GF Score™: 88/100 with 5 warning signs

No single metric tells the full story. See the XTER:UNP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Union Pacific Business Description

Address 1400 Douglas Street, Omaha, NE, USA, 68179
Omaha, Nebraska-based Union Pacific is the largest public railroad in North America. Operating on more than 30,000 miles of track in the western two-thirds of the US, Union Pacific generated $24.5 billion of revenue in 2025 by hauling coal, industrial products, intermodal containers, agricultural goods, chemicals, fertilizers, and automotive goods. Union Pacific owns about one-fourth of Mexican railroad Ferromex and historically derives roughly 10% of its revenue hauling freight to and from Mexico.
88GF Score

Get the complete analysis for XTER:UNP

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€270.70
Price
€220.71
GF Value