United National BankUNBK 61 Dividend Payout Ratio is 0.48 as of Dec. 2025, which is at its 10-year median of 0.48. GuruFocus rates UNBK with a GF Score™ of 61/100 and a GF Value™ of $54.62 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,171 Banks companies, United National Bank ranks worse than 73.36% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. United National Bank's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.48.
The historical rank and industry rank for United National Bank's Dividend Payout Ratio or its related term are showing as below:
UNBK'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.33 Med: 0.48 Max: 0.54
Current: 0.47
During the past 7 years, the highest Dividend Payout Ratio of United National Bank was 0.54. The lowest was 0.33. And the median was 0.48.
UNBK's Dividend Payout Ratio is ranked worse than 73.36% of 1171
companies
in the Banks industry
Industry Median: 0.32
vs UNBK: 0.47
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
United National Bank (OTCPK:UNBK) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
United National Bank Dividend Payout Ratio Related Terms
United National Bank Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for United National Bank's Dividend Payout Ratio 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.
UNBK vs WDFN, LUMB, MBBC: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, United National Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where United National Bank's Dividend Payout Ratio falls into.
United National Bank Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
United National Bank's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.48 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United National Bank and its competitors. This is near median its historical median of 0.48. Over the past decade, United National Bank's Dividend Payout Ratio has ranged from 0.33 to 0.54. According to the industry distribution chart, United National Bank ranks #859 out of 1171 companies in the Banks industry, placing it in the top 73.4%.
Is United National Bank's Dividend Payout Ratio too high?
United National Bank's current Dividend Payout Ratio of 0.48 is near median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 0.54. The Banks industry median Dividend Payout Ratio is 0.32. United National Bank's value of 0.48 is 50% above this industry median. Based on the distribution chart, United National Bank ranks #859 out of 1171 companies in the Banks industry, which is below the industry midpoint. Overall, United National Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's Dividend Payout Ratio compare to WDFN and LUMB?
According to the Banks industry distribution chart, United National Bank ranks #859 out of 1171 companies for Dividend Payout Ratio. This places United National Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. United National Bank's value of 0.48 is 50% above this benchmark. Historically, United National Bank's own Dividend Payout Ratio has ranged from 0.33 to 0.54 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,171 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United National Bank's current Dividend Payout Ratio of 0.48 is 50% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United National Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current Dividend Payout Ratio is 0.48, which is near median its own 10-year median of 0.48. 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 Dividend Payout Ratio is 0.48, which is near median its 10-year median of 0.48 and 50% above the Banks industry median of 0.32. United National Bank's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For United National Bank (UNBK), the current Dividend Payout Ratio is 0.48 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:
Dividend Payout Ratio: 0.48 (near median its 10-year median of 0.48)
GF Value™: $54.62 vs. price of $56.01 (2.5% above fair value)
Industry Position: 50% above the Banks median (#859 of 1171)
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.
61GF Score
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