United National BankUNBK 54 OCF Yield % is 10.86 as of Jun. 29, 2026, which is 26% below its 10-year median of 14.60. 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 1,505 Banks companies, United National Bank ranks better than 56.68% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms
United National Bank OCF Yield % Historical Data
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The historical data trend for United National Bank's OCF 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 OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's OCF Yield % distribution charts can be found below:
* The bar in red indicates where United National Bank's OCF 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 OCF Yield % of 10.86 as of Jun. 29, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United National Bank and its competitors. This is 26% below median its historical median of 14.60. Over the past decade, United National Bank's OCF Yield % has ranged from 8.77 to 24.41. According to the industry distribution chart, United National Bank ranks #652 out of 1505 companies in the Banks industry, placing it in the top 43.3%.
Is United National Bank's OCF Yield % too high?
United National Bank's current OCF Yield % of 10.86 is 26% below median its 10-year median of 14.60. Over the past 10 years, this metric has ranged from a low of 8.77 to a high of 24.41. The Banks industry median OCF Yield % is 9.32. United National Bank's value of 10.86 is 16.5% above this industry median. Based on the distribution chart, United National Bank ranks #652 out of 1505 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 Yield % compare to WDFN and LUMB?
According to the Banks industry distribution chart, United National Bank ranks #652 out of 1505 companies for OCF Yield %. This puts United National Bank in the upper half of its industry. The industry median OCF Yield % is 9.32. United National Bank's value of 10.86 is 16.5% above this benchmark. Historically, United National Bank's own OCF Yield % has ranged from 8.77 to 24.41 over the past decade. While the company's 10-year median is 14.60 vs. the industry median of 9.32, 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.32, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United National Bank's current OCF Yield % of 10.86 is 16.5% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United National Bank and its competitors. For the Banks industry, the median OCF Yield % is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current OCF Yield % is 10.86, which is 26% below median its own 10-year median of 14.60. 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 Yield % is 10.86, which is 26% below median its 10-year median of 14.60 and 16.5% above the Banks industry median of 9.32. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For United National Bank (UNBK), the current OCF Yield % is 10.86 as of Jun. 29, 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 $56.01 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 Yield %: 10.86 (26% below median its 10-year median of 14.60)
GF Value™: $54.62 vs. price of $56.01 (2.5% above fair value)
Industry Position: 16.5% above the Banks median (#652 of 1505)
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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