United National Bank (UNBK): fair value, margin of safety and Wheel Score

Is UNBK undervalued?

United National Bank (UNBK) closed at 54.50 on 5 Nov 2026. The GLS average fair value - the simple average of the 3 valuation models that produced a positive number - is 75.37, so the price sits 28% below it. 2 of the 3 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.

Only 3 of the nine models produced a value (DCF, 10 Cap, DDM); the others need a dividend, positive free cash flow or positive book value the company does not have yet, so the average rests on a narrow base.

Ranked against every other company we cover, UNBK is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 57, growth score 29, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).

Nine valuation models for UNBK

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

No Piotroski health score is on file for UNBK (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. The GLS Moat score is 8.0 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.

Returns on capital are moderate - ROIC 8.7%, ROE 9.5%, ROA 1.4% - with debt at 0.10 times equity and a free-cash-flow yield of 11.1%.

The dividend yield is high at 5.50% (payout ratio 54%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.

Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 33: No options

UNBK has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (33 here). The valuation and quality numbers still apply to owning the shares outright.

Volume runs at 0k shares a day on a market cap of $44M, with a beta of -0.40 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for UNBK in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to United National Bank by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare UNBK with 7 of them   All Financial Services stocks →