Income statement
USD
Annual
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 21M | 19M | 14M | 13M | 13M |
| Gross Profit | 15M | 15M | 12M | 11M | 11M |
| Operating Income | 6M | 7M | 5M | 4M | 4M |
| EBITDA | 5M | 6M | 5M | 5M | 5M |
| Net Income | 4M | 5M | 4M | 3M | 3M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$56.00
+0.00% today
1Y Change
+1.82%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 250 bars · Jun 23, 2025 → Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
United National Bank (UNBK) is a Financial Services stock with a market cap of $40.00M and listed on OTC. The stock last traded around $56.00 and up 1.8% across the available one-year price window (Jun 23, 2025 → Jun 12, 2026). Baseline metrics include revenue growth of +9.4%, EPS growth of -18.8%, a dividend yield of 6.0%. What stands out right now is revenue +9.4%, EPS -18.8%, free cash flow -2.8% with operating margin 27.9% and ROIC 8.2%. The dividend matters to the case here, with a current yield around 6.0%. Valuation is more restrained than many high-expectation growth names at P/E 9.1 and price/sales 1.9. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UNBK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UNBK
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UNBK Max Drawdown
-21.48%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UNBK and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$13.2M
+3.6% YoY
FY Net Income
$3.2M
-0.3% YoY
Free Cash Flow
$4.1M
+0.3% YoY
Revenue Growth
+9.4%
EPS Growth
-18.8%
Gross Margin
71.3%
Net Margin
21.2%
Income statement
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 21M | 19M | 14M | 13M | 13M |
| Gross Profit | 15M | 15M | 12M | 11M | 11M |
| Operating Income | 6M | 7M | 5M | 4M | 4M |
| EBITDA | 5M | 6M | 5M | 5M | 5M |
| Net Income | 4M | 5M | 4M | 3M | 3M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Cash & Equivalents | 39M | 44M | 47M | 72M | 33M |
| Total Assets | 287M | 289M | 306M | 291M | 247M |
| Total Liabilities | 243M | 247M | 268M | 254M | 213M |
| Shareholder Equity | 44M | 42M | 39M | 36M | 34M |
| Total Debt | 8M | 9M | 9M | 15M | 8M |
| Net Debt | -31M | -35M | -38M | -58M | -25M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
4M
-0.6% YoY
Capital Expenditures
50K
+43.5% YoY
Free Cash Flow
4M
+0.3% YoY
Key ratios
Gross Margin
71.3%
Operating Margin
27.9%
Net Margin
21.2%
ROE
10.3%
Debt / Equity
0.19x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.