United National Bank (UNBK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
United National Bank (UNBK) trades at $54.50 with AI Score 49/100 (Grade C). United National Bank is a community bank serving Grady County, Georgia. Market cap: $43.9M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for UNBK: UNBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates UNBK against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
UNBK: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
United National Bank (UNBK) Financial Services Profile
United National Bank, based in Cairo, Georgia, provides traditional banking services to individuals and businesses in Grady County. With a focus on community banking, UNBK offers a range of loan and deposit products, coupled with online and mobile banking solutions, operating in a competitive regional banking landscape with a dividend yield of 5.38%.
What Is the Investment Thesis for UNBK?
United National Bank presents a focused investment case centered on its community banking model within Grady County, Georgia. The bank's current P/E ratio of 10.11 suggests a potentially reasonable valuation relative to its earnings. A dividend yield of 5.38% offers an income component for investors. Key to the investment thesis is UNBK's ability to maintain and grow its market share in a competitive regional banking environment. Growth catalysts include expanding its loan portfolio and increasing adoption of its online and mobile banking services. Potential risks include the impact of economic downturns on loan performance and increasing competition from larger regional and national banks. The bank's negative beta of -0.47 suggests a degree of resilience to broader market volatility.
Based on FMP financials and quantitative analysis
UNBK Key Highlights
Market capitalization of $43.9M reflects its size within the regional banking sector.
- P/E ratio of 10.11 indicates its valuation relative to earnings.
- Profit margin of 21.2% demonstrates its profitability in providing banking services.
- Gross margin of 71.3% highlights the efficiency of its operations.
- Dividend yield of 5.38% offers an income stream for investors.
Who Are UNBK's Competitors?
UNBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CBAF CITBA Financial Corporation | $43.50 | +1.28% | $66.2M | 55 |
| CCBC Chino Commercial Bancorp | $18.05 | -0.82% | $69.6M | 48 |
| CEFC Commercial National Financial Corporation | $15.80 | +0.19% | $62.2M | 50 |
| EQFN Equitable Financial Corp. | $19.35 | +0.00% | $64.2M | 53 |
| FBVI FCN Banc Corp. | $39.00 | +2.63% | $67.2M | 63 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UNBK's Key Strengths?
Strong local presence and community relationships.
- Personalized customer service and relationship banking.
- Deep understanding of the local market.
- Stable deposit base.
What Are UNBK's Weaknesses?
Limited geographic diversification.
- Smaller size and scale compared to larger regional banks.
- Dependence on the Grady County economy.
- Limited investment in technology and innovation.
What Could Drive UNBK Stock Higher?
Potential expansion of loan offerings to new sectors within Grady County.
- Continued adoption of online and mobile banking services by existing customers.
- Community engagement initiatives enhancing brand recognition and customer loyalty.
- Strategic partnerships with local businesses driving customer acquisition.
- Focus on customer service and relationship banking fostering customer retention.
What Are the Key Risks for UNBK?
Economic downturn in Grady County impacting loan performance and profitability.
- Increased competition from larger regional and national banks.
- Regulatory changes and compliance costs impacting profitability.
- Cybersecurity threats and data breaches compromising customer data.
- Limited liquidity due to trading on the OTC Other market.
What Are the Growth Opportunities for UNBK?
- Expansion of Online and Mobile Banking Services: United National Bank can capitalize on the increasing demand for digital banking by enhancing its online and mobile platforms. This includes offering a wider range of digital services, improving user experience, and strengthening cybersecurity measures. The market for digital banking is projected to grow as more customers prefer the convenience of managing their finances remotely. By investing in technology and innovation, UNBK can attract new customers and retain existing ones, driving growth in deposits and fee income. Timeline: Ongoing.
- Strategic Loan Portfolio Growth: United National Bank can pursue strategic loan portfolio growth by targeting specific sectors within the Grady County economy. This includes focusing on small business loans, agricultural loans, and residential mortgages. By understanding the unique needs of the local market, UNBK can tailor its loan products and services to meet the demands of its customers. This targeted approach can drive loan growth while managing credit risk effectively. The market for loans in Grady County is expected to grow as the local economy expands. Timeline: Ongoing.
- Community Engagement and Brand Building: United National Bank can strengthen its brand and build customer loyalty through active community engagement. This includes sponsoring local events, supporting charitable organizations, and participating in community development initiatives. By demonstrating a commitment to the well-being of the Grady County community, UNBK can enhance its reputation and attract new customers. A strong brand can differentiate UNBK from its competitors and create a competitive advantage. Timeline: Ongoing.
- Partnerships with Local Businesses: United National Bank can form strategic partnerships with local businesses to expand its reach and offer value-added services to its customers. This includes partnering with real estate agents, insurance brokers, and other professionals to provide a comprehensive suite of financial solutions. By collaborating with local businesses, UNBK can tap into new customer segments and generate additional revenue streams. These partnerships can also enhance customer loyalty and strengthen UNBK's position in the community. Timeline: Ongoing.
- Focus on Customer Service and Relationship Banking: United National Bank can differentiate itself from larger banks by providing exceptional customer service and building strong relationships with its customers. This includes offering personalized financial advice, providing prompt and efficient service, and resolving customer issues effectively. By focusing on customer satisfaction, UNBK can build a loyal customer base and generate positive word-of-mouth referrals. The market for relationship banking is growing as customers seek personalized attention and customized financial solutions. Timeline: Ongoing.
What Are UNBK's Competitive Advantages?
- Strong local presence and community relationships in Grady County.
- Established reputation for providing personalized customer service.
- Deep understanding of the local market and its unique financial needs.
- Access to a stable deposit base within the community.
What Does UNBK Do?
United National Bank, headquartered in Cairo, Georgia, has been serving the financial needs of the Grady County community. The bank provides a comprehensive suite of banking products and services tailored to individuals and businesses. These offerings include various deposit accounts such as checking and savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). Additionally, United National Bank offers a range of credit products, including credit cards and various loan types, such as mortgage, construction, business, personal, automobile, home improvement, and agricultural loans. The bank also provides modern conveniences like direct deposit, SMS guardian services, and safe deposit boxes. With the rise of digital banking, United National Bank has adapted by offering online and mobile banking services, allowing customers to manage their finances remotely. This commitment to both traditional banking values and modern technology positions United National Bank as a key financial institution in its local market, focusing on building lasting relationships with its customers and contributing to the economic well-being of the community.
What Products and Services Does UNBK Offer?
- Offers checking and savings accounts to individuals and businesses.
- Provides credit cards for personal and business use.
- Offers individual retirement accounts (IRAs) and certificates of deposit (CDs).
- Provides mortgage loans for home purchases and refinancing.
- Offers business and merchant accounts for commercial clients.
- Provides personal, automobile, home improvement, and agricultural loans.
- Offers online and mobile banking services for convenient account management.
- Provides safe deposit boxes for secure storage of valuables.
How Does UNBK Make Money?
- Generates revenue from interest earned on loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk by diversifying its loan portfolio and maintaining adequate capital reserves.
- Focuses on serving the financial needs of the Grady County community.
What Industry Does UNBK Operate In?
United National Bank operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with fintech companies and larger banks offering innovative online and mobile banking solutions. Regional banks like United National Bank face the challenge of balancing traditional banking relationships with the need to invest in technology to remain competitive. The market is also influenced by regulatory changes and economic conditions, which can impact loan demand and credit quality. United National Bank's focus on serving the Grady County community positions it within a niche market, but it must adapt to broader industry trends to sustain growth.
Who Are UNBK's Key Customers?
- Individuals residing in Grady County, Georgia.
- Small businesses operating in Grady County, Georgia.
- Agricultural businesses in the Grady County region.
- Local community organizations and non-profits.
Company Profile
United National Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Cairo, US. The company is led by CEO Matthew McCaskill. UNBK has traded publicly since 2011.
United National Bank (UNBK) Valuation Context
Valued at $43.9M, UNBK is classified as a micro-cap stock. Relative to its peer group, UNBK's quantitative score of 49/100 is roughly in line with the peer average of 54/100.
Key Financial Metrics
Return on equity for United National Bank stands at 9.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. Its free cash flow yield is 11.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.19 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
UNBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- UNBK insiders have been actively buying shares recently, suggesting strong confidence in the company's future prospects. This contrasts with periods of insider selling, potentially signaling a positive shift.
- The community sentiment around UNBK has noticeably improved in the last month. More users are discussing potential growth opportunities and positive news, indicating a shift in market perception.
- UNBK is perceived as a stable, regional bank, which could attract investors seeking safety amidst broader market volatility. This perception of stability can drive demand.
- Recent market developments suggest a renewed focus on regional banks, with investors seeking opportunities outside of major national players. UNBK could benefit from this trend as investors explore undervalued assets.
Bear Case
- Despite insider buying, some community members express concerns about UNBK's growth potential compared to larger competitors. This perception of limited growth could temper investor enthusiasm.
- A segment of the community believes UNBK's traditional banking model may struggle to adapt to the rapidly changing fintech landscape. This concern about innovation could negatively impact its long-term outlook.
- UNBK's reliance on a specific geographic region exposes it to localized economic downturns. This concentration risk is a concern for some investors, as a regional recession could disproportionately impact the bank.
- While overall sentiment is improving, some bearish voices highlight potential regulatory challenges facing regional banks. Increased compliance costs could squeeze margins and limit profitability for UNBK.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
UNBK Latest News
No recent news available for UNBK.
UNBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for UNBK.
Price Targets
Wall Street price target analysis for UNBK.
UNBK MoonshotScore
What does this score mean?
The MoonshotScore rates UNBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Matthew McCaskill
CEO
Matthew McCaskill serves as the CEO of United National Bank. Information regarding his detailed career history, educational background, and previous roles is not available within the provided data. Further research would be required to provide a comprehensive profile of Mr. McCaskill's professional journey and qualifications.
Track Record: Due to the limited information available, it is not possible to provide a detailed account of Matthew McCaskill's track record as CEO of United National Bank. Key achievements, strategic decisions, and company milestones under his leadership are currently unknown and would require additional data sources to assess accurately.
UNBK OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that United National Bank may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies with distressed financials, shell companies, or those that are unwilling or unable to meet the listing requirements of higher tiers. Investing in companies on the OTC Other tier carries significant risks due to the lack of transparency and regulatory scrutiny.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Higher risk of fraud and manipulation.
- Low trading volume and liquidity.
- Greater price volatility.
- Potential for delisting or suspension of trading.
- Verify the company's registration and regulatory filings.
- Review the company's financial statements (if available).
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Be aware of potential scams and fraudulent schemes.
- Longevity of operations in Grady County.
- Membership in local business organizations.
- Positive customer reviews and testimonials.
- Active community involvement and support.
- Physical presence with a bank branch in Cairo, Georgia.
Common Questions About UNBK (Financial Services)
What does the AI Score mean for UNBK?
UNBK holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. United National Bank is a community bank serving Grady County, Georgia. It offers a range of traditional banking products and services, including loans, deposit accounts, and online banking.
What does United National Bank do?
United National Bank operates as a community bank in Grady County, Georgia, providing a range of traditional banking products and services to individuals and businesses. These include checking and savings accounts, credit cards, individual retirement accounts (IRAs), certificates of deposit (CDs), and various loan types such as mortgage, construction, business, personal, automobile, home improvement, and agricultural loans.
What are the main risks for UNBK?
United National Bank faces several key risks, including its dependence on the Grady County economy, which makes it vulnerable to local economic downturns that could impact loan performance and profitability. Increased competition from larger regional and national banks poses a threat to its market share. Regulatory changes and compliance costs could also impact its profitability.
What are the key factors to evaluate for UNBK?
United National Bank (UNBK) holds an AI score of 49/100 (low). United National Bank presents a focused investment case centered on its community banking model within Grady County, Georgia. Not financial advice.
How frequently does UNBK data refresh on this page?
UNBK's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven UNBK's recent stock price performance?
United National Bank (UNBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and community relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UNBK overvalued or undervalued right now?
United National Bank (UNBK) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research UNBK before investing?
Before investing in United National Bank (UNBK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding UNBK to a portfolio?
Key strength of United National Bank (UNBK): Strong local presence and community relationships. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available for CEO track record.
- OTC analysis based on general understanding of OTC markets due to limited company-specific data.