United National BankUNBK 54 ROA % is 1.48% as of Dec. 2025, which is 2% above its 10-year median of 1.45. 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 1,529 Banks companies, United National Bank ranks better than 76.78% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. United National Bank's annualizedNet Income for the quarter that ended in Dec. 2025 was $4.44 Mil.
United National Bank's average Total Assets over the quarter that ended in Dec. 2025 was $299.51 Mil. Therefore, United National Bank's annualized ROA % for the quarter that ended in Dec. 2025 was 1.48%.
The historical rank and industry rank for United National Bank's ROA % or its related term are showing as below:
UNBK'
s ROA % Range Over the Past 10 Years
Min: 1.21 Med: 1.45 Max: 1.84
Current: 1.48
During the past 7 years, United National Bank's highest ROA % was 1.84%. The lowest was 1.21%. And the median was 1.45%.
UNBK's ROA % is ranked better than 76.78% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs UNBK: 1.48
United National Bank (OTCPK:UNBK) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, United National Bank's ROA % distribution charts can be found below:
* The bar in red indicates where United National Bank's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
United National Bank (UNBK) has a ROA % of 1.48% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United National Bank and its competitors. This is near median its historical median of 1.45. Over the past decade, United National Bank's ROA % has ranged from 1.21 to 1.84. According to the industry distribution chart, United National Bank ranks #355 out of 1529 companies in the Banks industry, placing it in the top 23.2%.
Is United National Bank's ROA % too high?
United National Bank's current ROA % of 1.48% is near median its 10-year median of 1.45. Over the past 10 years, this metric has ranged from a low of 1.21 to a high of 1.84. The Banks industry median ROA % is 0.98. United National Bank's value of 1.48% is 51% above this industry median. Based on the distribution chart, United National Bank ranks #355 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROA % compare to QNTO and LUMB?
According to the Banks industry distribution chart, United National Bank ranks #355 out of 1529 companies for ROA %. This places United National Bank in the top 23% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. United National Bank's value of 1.48% is 51% above this benchmark. Historically, United National Bank's own ROA % has ranged from 1.21 to 1.84 over the past decade. While the company's 10-year median is 1.45 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United National Bank's current ROA % of 1.48% is 51% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United National Bank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current ROA % is 1.48%, which is near median its own 10-year median of 1.45. 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 ROA % is 1.48%, which is near median its 10-year median of 1.45 and 51% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For United National Bank (UNBK), the current ROA % is 1.48% 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:
ROA %: 1.48% (near median its 10-year median of 1.45)
GF Value™: $54.62 vs. price of $56.01 (2.5% above fair value)
Industry Position: 51% above the Banks median (#355 of 1529)
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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