UNBK (United National Bank) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
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
59 GF Score
Price $54.11
GF Value $54.83
Valuation Fairly Valued
! 1 Warning Sign
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What is United National Bank ROC (Joel Greenblatt) %?

United National Bank UNBK 59 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates UNBK with a GF Score™ of 59/100 and a GF Value™ of $54.83 (Fairly Valued). The stock has 1 warning sign investors should review. Among 46 Banks companies, United National Bank ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

UNBK
59GF Score
United National Bank UNBK
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
United National Bank (UNBK) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United National Bank and its competitors. According to the industry distribution chart, United National Bank ranks #999999 out of 46 companies in the Banks industry.
Is United National Bank's ROC (Joel Greenblatt) % too high?
United National Bank's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, United National Bank ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, United National Bank has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United National Bank's ROC (Joel Greenblatt) % compare to WDFN and LUMB?
According to the Banks industry distribution chart, United National Bank ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places United National Bank in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United National Bank and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United National Bank's current ROC (Joel Greenblatt) % is %. 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 $54.83, compared to a current price of $54.11 — trading 1.3% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. United National Bank's overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For United National Bank (UNBK), the current ROC (Joel Greenblatt) % is % 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 undervalued. The current stock price of $54.11 is trading 1.3% below its estimated GF Value™ of $54.83. GuruFocus considers United National Bank to be Fairly Valued.

Key valuation signals for UNBK:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $54.83 vs. price of $54.11 (1.3% below fair value)
  • GF Score™: 59/100 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.
59GF Score

Get the complete analysis for UNBK

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.11
Price
$54.83
GF Value