UNBK (United National Bank) Scaled Net Operating Assets: 0.00 (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
View Full Analysis

What is United National Bank Scaled Net Operating Assets?

United National Bank UNBK 54 Scaled Net Operating Assets is 0.00 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United National Bank's operating assets for the quarter that ended in Dec. 2025 was $262.06 Mil. United National Bank's operating liabilities for the quarter that ended in Dec. 2025 was $260.73 Mil. United National Bank's Total Assets for the quarter that ended in Dec. 2024 was $287.04 Mil. Therefore, United National Bank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.00.

UNBK
54GF Score
United National Bank UNBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United National Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United National Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(262.056-260.725)/287.043
=0.00

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=311.974 - 49.918
=262.056

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=265.419 - 4.694 - 0
=260.725

United National Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(262.056-260.725)/287.043
=0.00

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=311.974 - 49.918
=262.056

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=265.419 - 4.694 - 0
=260.725

* 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 Scaled Net Operating Assets of 0.00 mean?
United National Bank (UNBK) has a Scaled Net Operating Assets of 0.00 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United National Bank and its competitors.
Is United National Bank's Scaled Net Operating Assets too high?
United National Bank's current Scaled Net Operating Assets is 0.00. 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 Scaled Net Operating Assets compare to WDFN and LUMB?
United National Bank's Scaled Net Operating Assets of 0.00 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United National Bank and its competitors. United National Bank's current Scaled Net Operating Assets is 0.00. 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 $54.62, compared to a current price of $56.01 — trading 2.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.00. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For United National Bank (UNBK), the current Scaled Net Operating Assets is 0.00 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:

  • Scaled Net Operating Assets: 0.00
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.01
Price
$54.62
GF Value