United National BankUNBK 54 OCF Margin % is 31.69% as of Dec. 2025, which is 2% below its 10-year median of 32.24. 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 1,501 Banks companies, United National Bank ranks better than 53.3% on this metric.
The historical rank and industry rank for United National Bank's OCF Margin % or its related term are showing as below:
UNBK'
s OCF Margin % Range Over the Past 10 Years
Min: 29.73 Med: 32.24 Max: 37.44
Current: 31.69
During the past 7 years, the highest OCF Margin % of United National Bank was 37.44%. The lowest was 29.73%. And the median was 32.24%.
UNBK's OCF Margin % is ranked better than 53.3% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs UNBK: 31.69
United National Bank OCF Margin % Related Terms
United National Bank OCF Margin % Historical Data
* Premium members only.
The historical data trend for United National Bank's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where United National Bank's OCF 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 OCF Margin % of 31.69% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on United National Bank and its competitors. This is near median its historical median of 32.24. Over the past decade, United National Bank's OCF Margin % has ranged from 29.73 to 37.44. According to the industry distribution chart, United National Bank ranks #701 out of 1501 companies in the Banks industry, placing it in the top 46.7%.
Is United National Bank's OCF Margin % too high?
United National Bank's current OCF Margin % of 31.69% is near median its 10-year median of 32.24. Over the past 10 years, this metric has ranged from a low of 29.73 to a high of 37.44. The Banks industry median OCF Margin % is 29.44. United National Bank's value of 31.69% is 7.6% above this industry median. Based on the distribution chart, United National Bank ranks #701 out of 1501 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 OCF Margin % compare to QNTO and LUMB?
According to the Banks industry distribution chart, United National Bank ranks #701 out of 1501 companies for OCF Margin %. This puts United National Bank in the upper half of its industry. The industry median OCF Margin % is 29.44. United National Bank's value of 31.69% is 7.6% above this benchmark. Historically, United National Bank's own OCF Margin % has ranged from 29.73 to 37.44 over the past decade. While the company's 10-year median is 32.24 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United National Bank's current OCF Margin % of 31.69% is 7.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on United National Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current OCF Margin % is 31.69%, which is near median its own 10-year median of 32.24. 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 OCF Margin % is 31.69%, which is near median its 10-year median of 32.24 and 7.6% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For United National Bank (UNBK), the current OCF Margin % is 31.69% 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:
OCF Margin %: 31.69% (near median its 10-year median of 32.24)
GF Value™: $54.62 vs. price of $56.01 (2.5% above fair value)
Industry Position: 7.6% above the Banks median (#701 of 1501)
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
Get the complete analysis for UNBK
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UNBK has been successfully added to your 