OTCPK:UNBK

Stock Analysis Report

United National Bank

Executive Summary

United National Bank offers personal and commercial banking services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

How has United National Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

UNBK

4.1%

US Banks

1.0%

US Market


1 Year Return

-2.3%

UNBK

7.2%

US Banks

8.0%

US Market

Return vs Industry: UNBK underperformed the US Banks industry which returned 7.2% over the past year.

Return vs Market: UNBK underperformed the US Market which returned 8% over the past year.


Shareholder returns

UNBKIndustryMarket
7 Day0%4.1%1.0%
30 Dayn/a2.8%-0.07%
90 Dayn/a2.9%-1.0%
1 Year-2.3%-2.3%10.3%7.2%10.4%8.0%
3 Year34.4%34.4%53.9%43.3%46.2%36.7%
5 Yearn/a71.9%53.1%64.3%46.2%

Price Volatility Vs. Market

How volatile is United National Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is United National Bank undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether United National Bank is trading at an attractive price based on the cash flow it is expected to produce in the future. But as United National Bank has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of UNBK’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through United National Bank regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is United National Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

0.6%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as United National Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of UNBK’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access United National Bank's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has United National Bank performed over the past 5 years?

15.6%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, United National Bank has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is United National Bank's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse United National Bank's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. United National Bank has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of UNBK’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when United National Bank's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is United National Bank's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate UNBK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate UNBK's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if UNBK's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if UNBK's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of UNBK's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of United National Bank's salary, the management and board of directors tenure and is there insider trading?

19.4yrs

Average management tenure


CEO

Michael Chastain (65yo)

19.4yrs

Tenure

US$130,247

Compensation

Michael L. Chastain is employed with United National Bank 


Management Age and Tenure

19.4yrs

Average Tenure

65yo

Average Age

Experienced Management: UNBK's management team is seasoned and experienced (19.4 years average tenure).


Board Age and Tenure

19.1yrs

Average Tenure

70yo

Average Age

Experienced Board: UNBK's board of directors are seasoned and experienced ( 19.1 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Todd Harrell

    VP & SLO

    • Tenure: 1.3yrs
  • Jane Trulock (66yo)

    Senior VP & CFO

    • Tenure: 19.4yrs
  • Michael Chastain (65yo)

    Vice Chairman

    • Tenure: 19.4yrs
    • Compensation: US$130.25k
  • Susan Braswell

    VP & Mortgage Lending Officer

    • Tenure: 0yrs
  • J. Chason (56yo)

    Secretary & Director

    • Tenure: 0yrs

Board Members

  • Charles Stafford (74yo)

    Chairman of the Board

    • Tenure: 18.8yrs
    • Compensation: US$187.15k
  • Randy Holton (69yo)

    Director

    • Tenure: 18.1yrs
  • Michael Chastain (65yo)

    Vice Chairman

    • Tenure: 19.4yrs
    • Compensation: US$130.25k
  • Celeste Tyler

    Director

    • Tenure: 5.8yrs
  • J. Chason (56yo)

    Secretary & Director

    • Tenure: 0yrs
  • J. Porter (79yo)

    Director

    • Tenure: 19.4yrs
  • Thomas Rosser (70yo)

    Director

    • Tenure: 19.4yrs
  • Wyman Richter (79yo)

    Director

    • Tenure: 19.4yrs

Company Information

United National Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: United National Bank
  • Ticker: UNBK
  • Exchange: OTCPK
  • Founded: 2000
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.unbonline.com

Location

  • United National Bank
  • 722 North Broad Street
  • PO Box 150
  • Cairo
  • Georgia
  • 39828
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UNBKOTCPK (Pink Sheets LLC)YesCOMUSUSDJul 2010

Biography

United National Bank offers personal and commercial banking services. The bank was founded in 2000 and is based in Cairo, Georgia. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/22 00:11
End of Day Share Price2019/10/14 00:00
EarningsN/A
Annual EarningsN/A


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.