UNBK (United National Bank) Growth Rank: 3 (As of Sep. 11, 2026) — Near Median

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Director of Data and Quant Analytics at GuruFocus
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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.

UNBK United National Bank UNBK
55 GF Score
Price $54.50
GF Value $55.44
Valuation Fairly Valued
! 1 Warning Sign
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What is United National Bank Growth Rank?

United National Bank UNBK 55 Growth Rank is 3 as of Sep. 11, 2026, which is at its 10-year median of 3.00. GuruFocus rates UNBK with a GF Score™ of 55/100 and a GF Value™ of $55.44 (Fairly Valued). The stock has 1 warning sign investors should review.

United National Bank has the Growth Rank of 3.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

United National Bank Growth Rank Related Terms

UNBK vs OTTW, LUMB, MBBC: Growth Rank Comparison

For the Banks - Regional subindustry, United National Bank's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, United National Bank's Growth Rank distribution charts can be found below:

* The bar in red indicates where United National Bank's Growth Rank falls into.


UNBK
55GF Score
United National Bank UNBK
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 3 mean?
United National Bank (UNBK) has a Growth Rank of 3 as of Sep. 11, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on United National Bank and its competitors. This is near median its historical median of 3.00. Over the past decade, United National Bank's Growth Rank has ranged from 1.00 to 3.00.
Is United National Bank's Growth Rank too high?
United National Bank's current Growth Rank of 3 is near median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 3.00. Overall, United National Bank has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's Growth Rank compare to OTTW and LUMB?
United National Bank's Growth Rank of 3 can be compared against companies in the Banks industry. Historically, United National Bank's own Growth Rank has ranged from 1.00 to 3.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on United National Bank and its competitors. United National Bank's current Growth Rank is 3, which is near median its own 10-year median of 3.00. 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 $55.44, compared to a current price of $54.50 — trading 1.7% below its estimated fair value. The current Growth Rank is 3, which is near median its 10-year median of 3.00. United National Bank's overall GF Score™ is 55/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For United National Bank (UNBK), the current Growth Rank is 3 as of Sep. 11, 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 undervalued. The current stock price of $54.50 is trading 1.7% below its estimated GF Value™ of $55.44. GuruFocus considers United National Bank to be Fairly Valued.

Key valuation signals for UNBK:

  • Growth Rank: 3 (near median its 10-year median of 3.00)
  • GF Value™: $55.44 vs. price of $54.50 (1.7% below fair value)
  • GF Score™: 55/100 with 1 warning sign

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 Business Description

Address 722 North Broad Street, P.O. Box 150, Cairo, GA, USA, 39828
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.
55GF Score

Get the complete analysis for UNBK

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.50
Price
$55.44
GF Value