United National BankUNBK 65 PB Ratio is 0.97 as of Jul. 02, 2026, which is 21% above its 10-year median of 0.80. GuruFocus rates UNBK with a GF Score™ of 65/100 and a GF Value™ of $54.68 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,517 Banks companies, United National Bank ranks better than 61.5% on this metric.
The historical rank and industry rank for United National Bank's PB Ratio or its related term are showing as below:
UNBK'
s PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 0.8 Max: 1.16
Current: 0.97
During the past 7 years, United National Bank's highest PB Ratio was 1.16. The lowest was 0.53. And the median was 0.80.
UNBK's PB Ratio is ranked better than 61.5% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs UNBK: 0.97
During the past 12 months, United National Bank's average Book Value Per Share Growth Rate was 5.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.60% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of United National Bank was 7.30% per year. The lowest was 6.20% per year. And the median was 6.70% per year.
Back to Basics: PB Ratio
United National Bank (OTCPK:UNBK) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
United National Bank PB Ratio Related Terms
United National Bank PB Ratio Historical Data
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The historical data trend for United National Bank's PB 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.
For the Banks - Regional subindustry, United National Bank's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where United National Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
United National Bank (UNBK) has a PB Ratio of 0.97 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United National Bank and its competitors. This is 21% above median its historical median of 0.80. Over the past decade, United National Bank's PB Ratio has ranged from 0.53 to 1.16. According to the industry distribution chart, United National Bank ranks #584 out of 1517 companies in the Banks industry, placing it in the top 38.5%.
Is United National Bank's PB Ratio too high?
United National Bank's current PB Ratio of 0.97 is 21% above median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 1.16. The Banks industry median PB Ratio is 1.10. United National Bank's value of 0.97 is 11.8% below this industry median. Based on the distribution chart, United National Bank ranks #584 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, United National Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's PB Ratio compare to WDFN and LUMB?
According to the Banks industry distribution chart, United National Bank ranks #584 out of 1517 companies for PB Ratio. This puts United National Bank in the upper half of its industry. The industry median PB Ratio is 1.10. United National Bank's value of 0.97 is 11.8% below this benchmark. Historically, United National Bank's own PB Ratio has ranged from 0.53 to 1.16 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 1.10, United National Bank has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United National Bank's current PB Ratio of 0.97 is 11.8% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United National Bank and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current PB Ratio is 0.97, which is 21% above median its own 10-year median of 0.80. 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 $54.68, compared to a current price of $56.01 — trading 2.4% above its estimated fair value. The current PB Ratio is 0.97, which is 21% above median its 10-year median of 0.80 and 11.8% below the Banks industry median of 1.10. United National Bank's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United National Bank (UNBK), the current PB Ratio is 0.97 as of Jul. 02, 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 2.4% above its estimated GF Value™ of $54.68.
GuruFocus considers United National Bank to be Fairly Valued.
Key valuation signals for UNBK:
PB Ratio: 0.97 (21% above median its 10-year median of 0.80)
GF Value™: $54.68 vs. price of $56.01 (2.4% above fair value)
Industry Position: 11.8% below the Banks median (#584 of 1517)
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.
65GF Score
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