UNBK (United National Bank) ROE % Adjusted to Book Value: 9.97% (As of Dec. 2025)


UNBK United National Bank UNBK
54 GF Score
Price $56.01
GF Value $54.62
Valuation Fairly Valued
! 1 Warning Sign
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What is United National Bank ROE % Adjusted to Book Value?

United National Bank UNBK 54 ROE % Adjusted to Book Value is 9.97% as of Dec. 2025. 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.

United National Bank's ROE % for the quarter that ended in Dec. 2025 was 9.77%. United National Bank's PB Ratio for the quarter that ended in Dec. 2025 was 0.98. United National Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 9.97%.

United National Bank ROE % Adjusted to Book Value Related Terms

United National Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for United National Bank's ROE % Adjusted to Book Value 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.

United National Bank ROE % Adjusted to Book Value Chart

United National Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 13.76 13.79 16.69 11.02 9.97

United National Bank Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial 13.76 13.79 16.69 11.02 9.97

UNBK vs WDFN, LUMB, MBBC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, United National Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, United National Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where United National Bank's ROE % Adjusted to Book Value falls into.


UNBK
54GF Score
United National Bank UNBK
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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United National Bank ROE % Adjusted to Book Value Calculation

United National Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.77% / 0.98
=9.97%

United National Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.77% / 0.98
=9.97%

* 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.

What does a ROE % Adjusted to Book Value of 9.97% mean?
United National Bank (UNBK) has a ROE % Adjusted to Book Value of 9.97% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on United National Bank and its competitors.
Is United National Bank's ROE % Adjusted to Book Value too high?
United National Bank's current ROE % Adjusted to Book Value is 9.97%. 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 ROE % Adjusted to Book Value compare to WDFN and LUMB?
United National Bank's ROE % Adjusted to Book Value of 9.97% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on United National Bank and its competitors. United National Bank's current ROE % Adjusted to Book Value is 9.97%. 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 ROE % Adjusted to Book Value is 9.97%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For United National Bank (UNBK), the current ROE % Adjusted to Book Value is 9.97% 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:

  • ROE % Adjusted to Book Value: 9.97%
  • GF Value™: $54.62 vs. price of $56.01 (2.5% above fair value)
  • GF Score™: 54/100 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.
54GF Score

Get the complete analysis for UNBK

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.01
Price
$54.62
GF Value