United National Bank (Cairo, GA)

United National Bank (Cairo, GA)

OOTC:UNBK
54.50
USD
0.00
(0.00%)
5.51EPS
10.25P/E
45.47MMarket Cap

Total Valuation

USD

As of December 31, 2025, United National Bank (Cairo, GA) carries a market capitalization of 45.47M, placing it among publicly traded companies globally. Its enterprise value stands at 249,794.00, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap45.47M
Enterprise Value249,794.00

Share Statistics

As of December 31, 2025, United National Bank (Cairo, GA) has 804,842.00 shares outstanding.

Shares Outstanding804,842.00

Valuation Ratios

As of December 31, 2025, United National Bank (Cairo, GA) trades at a trailing price-to-earnings ratio of 10.25. The price-to-sales ratio is 2.94, and the price-to-book ratio stands at 0.98.

PE Ratio10.25
PS Ratio2.94
PB Ratio0.98
P/TBV Ratio0.98
P/FCF Ratio9.37
P/OCF Ratio9.29

Enterprise Valuation

These figures are as of December 31, 2025. The EV/Sales ratio of 0.02 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. United National Bank (Cairo, GA) trades at an EV/FCF ratio of 0.05, comparing the total takeover cost of the business to the cash it actually generates for all capital providers. These enterprise value multiples are built on an enterprise value of 249,794.00 versus a market cap of 45.47M, with the gap driven by net debt and cash on the balance sheet.

EV / Sales0.02
EV / FCF0.05

Financial Position

These figures are as of December 31, 2025.

Debt / Equity10.08

Financial Efficiency

Over the twelve months ended December 31, 2025, United National Bank (Cairo, GA) posted a return on equity (ROE) of 9.77, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 1.48, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 8.54, useful for judging operating efficiency across full business cycles.

Return on Equity (ROE)9.77
Return on Assets (ROA)1.48
Return on Capital Employed (ROCE)8.54

Taxes

USD

Over the twelve months ended December 31, 2025, United National Bank (Cairo, GA) recorded 1.47M in income tax expense. That works out to an effective tax rate of 24.91, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 5.91M, leaving 4.44M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax1.47M
Effective Tax Rate24.91

Stock Price Statistics

USD

As of the close on August 14, 2026, United National Bank (Cairo, GA)'s stock has declined approximately 0.95% over the past 52 weeks.

52-Week Price Change-0.95%
50-Day Moving Average53.20

Income Statement

USD

Over the twelve months ended December 31, 2025, United National Bank (Cairo, GA) generated 15.45M in revenue and converted that into 4.44M in net income, yielding earnings per share of 5.51.

Revenue15.45M
Pretax Income5.91M
Net Income4.44M
Earnings Per Share (EPS)5.51

Balance Sheet

USD

As of December 31, 2025, United National Bank (Cairo, GA) holds 49.92M in cash and equivalents against 4.69M in total debt, resulting in a net debt position of -49.92M.

Cash & Cash Equivalents49.92M
Total Debt4.69M
Net Debt-49.92M
Equity (Book Value)46.55M
Book Value Per Share57.84

Cash Flow

USD

United National Bank (Cairo, GA) produced 4.89M in operating cash flow over the twelve months ended December 31, 2025. After subtracting -40,625.00 in capital expenditures, free cash flow totaled 4.85M - equivalent to 6.03 per share.

Operating Cash Flow4.89M
Capital Expenditures-40,625.00
Free Cash Flow4.85M
FCF Per Share6.03

Margins

These figures cover the twelve months ended December 31, 2025.

Pretax Margin38.25
Profit Margin28.72

Dividends & Yields

USD

Over the twelve months ended December 31, 2025, United National Bank (Cairo, GA) paid dividends of 3.00 per share. The dividend payout ratio of 54.42 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield stands at 10.67, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield is negative at -43.97, meaning United National Bank (Cairo, GA) raised more capital through share issuance and new debt than it returned via dividends and buybacks.

Dividend Per Share3.00
Payout Ratio54.42
Shareholder Yield-43.97
FCF Yield10.67