UNB (UNPA) Stock Price

UNB Price

OTC·CLOSED
88.00USD+0.00 (+0.00 %)
Market closed

Revenue has compounded at 10.1% per year over the past 7 years to 58.46 M USD. Earnings per share have grown at 14.7% per year over the last 7 years. UNB's net margin stands at 26.2%, up from 22.4% several years earlier. The stock trades about 26% above its 52-week low.

UNB stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of UNB over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how UNB stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing UNB's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

UNB Stock Price History
DateUNB Price
7/17/202688.00 USD
7/16/202688.00 USD
7/15/202688.00 USD
7/14/202688.00 USD
7/13/202688.00 USD
7/10/202688.00 USD
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6/30/202688.00 USD
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6/11/202688.00 USD
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6/5/202688.00 USD
6/4/202698.80 USD
6/3/202698.80 USD
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6/1/202698.80 USD
5/29/202698.80 USD
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1/30/202688.00 USD
1/2/202688.00 USD
12/31/202588.00 USD
9/29/202570.00 USD
8/18/202571.02 USD
8/12/202571.02 USD
8/11/202571.03 USD
8/5/202571.03 USD
Access this data via the Eulerpool API

UNB Revenue, Pre-Provision Profit, Net Income

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Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 1994
29.83 M USD
11.02 M USD
6.63 M USD
Jan 1, 1995
33.57 M USD
12.92 M USD
7.38 M USD
Jan 1, 1996
37.72 M USD
15.57 M USD
8.16 M USD
Jan 1, 1997
40.24 M USD
16.73 M USD
9.01 M USD
Jan 1, 1998
46.36 M USD
19.34 M USD
10.90 M USD
Jan 1, 1999
51.50 M USD
24.01 M USD
14.06 M USD
Jan 1, 2000
50.57 M USD
22.87 M USD
14.27 M USD
Jan 1, 2001
58.46 M USD
26.11 M USD
15.33 M USD

UNB Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 20, 2026, 10:49 PM
 
REVENUEM USD
REVENUE GROWTH%
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
19941995199619971998199920002001
43.0055.0065.0070.0076.0082.0093.0096.00
27.9118.187.698.577.8913.413.23
24.1927.9531.3633.0434.2836.3337.9442.99
5.645.626.367.2012.0815.1712.6315.47
1.021.753.142.932.752.431.052.82
11.0212.9215.5716.7319.3424.0122.8726.11
6.007.008.009.0010.0014.0014.0015.00
16.6714.2912.5011.1140.007.14
11.9611.7111.8111.7911.6410.9810.6110.60
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales UNB generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue UNB retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare UNB's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares UNB has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against UNB's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

UNB stock margins

The UNB margin analysis displays the gross margin, EBIT margin, as well as the profit margin of UNB. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for UNB.
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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 1994
63.06 %
22.23 %
Jan 1, 1995
61.51 %
21.98 %
Jan 1, 1996
58.72 %
21.63 %
Jan 1, 1997
58.42 %
22.39 %
Jan 1, 1998
58.28 %
23.51 %
Jan 1, 1999
53.38 %
27.30 %
Jan 1, 2000
54.78 %
28.22 %
Jan 1, 2001
55.34 %
26.22 %

UNB Revenue per Share, Earnings per Share

The UNB earnings per share therefore indicates how much revenue UNB has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 1994
2.49 USD
0.55 USD
Jan 1, 1995
2.87 USD
0.63 USD
Jan 1, 1996
3.19 USD
0.69 USD
Jan 1, 1997
3.41 USD
0.76 USD
Jan 1, 1998
3.98 USD
0.94 USD
Jan 1, 1999
4.69 USD
1.28 USD
Jan 1, 2000
4.77 USD
1.34 USD
Jan 1, 2001
5.52 USD
1.45 USD

UNB business model & stock analysis

UNB Corp is a US-American company that was founded in 1991 and is headquartered in New York City. The company operates in various industries and offers a wide range of products and services. History UNB was founded by a small team of experts in finance, technology, and investment management. It was created with the goal of building an innovative financial company that provides individual care and advice to its customers in all matters. The company started as an online bank that exclusively collected deposits from private customers. However, UNB grew faster than expected and soon developed into a comprehensive financial service provider with a wide range of banking and investment products. Business model The business model of UNB Corp is focused on offering a comprehensive package of financial products and services that cater to the diverse needs and requirements of private customers, businesses, and institutions. UNB's main business activities include retail banking, investment banking, wealth management, and asset management. In retail banking, UNB offers a wide range of banking products that range from simple savings accounts to investment accounts and financing products. The focus is on high customer satisfaction and personal care. In investment banking, the company focuses on advising corporate clients on financing and capital market transactions. Medium-sized and small businesses are important clients in this area. UNB's wealth management provides tailored wealth management solutions for high-net-worth individuals and families. Individually tailored portfolios and investment strategies are developed. In asset management, UNB offers professional portfolio management for institutional investors. Insurance companies, pension funds, and other large investors are among the main customers. Products UNB offers a variety of products and services that cater to the different requirements and needs of private and business customers. In retail banking, the product range includes checking accounts, savings accounts, credit cards, loans, and financing products, as well as securities and investment accounts. In investment banking, UNB offers its customers a wide range of services, including M&A advisory, equity and bond placement, structured financing, and IPO placement. In wealth management, UNB develops investment strategies and tailored wealth management solutions that are customized to the individual needs and requirements of high-net-worth individuals and families. In the asset management sector, UNB offers institutional investors professional portfolio management focused on long-term returns. Conclusion UNB Corp is a versatile financial company with a wide range of products and services. The company's founding history has demonstrated the importance of addressing the individual needs of customers and providing personalized care. In the future, UNB will continue to expand its business and focus on its core competencies to maintain a leading position in the financial sector.

UNB SWOT Analysis

Strengths

UNB Corp enjoys a strong financial position with robust revenue streams and a healthy balance sheet. This allows the company to invest in growth opportunities and withstand potential economic downturns.

UNB Corp is well-known for its reliable products and services, earning a positive reputation in its industry. The strong brand recognition enhances customer trust and loyalty, providing a competitive advantage.

The company boasts a skilled and knowledgeable workforce that contributes to its success. UNB Corp invests in training and development to ensure its employees are equipped with the necessary skills to drive innovation and deliver high-quality products.

Weaknesses

UNB Corp relies heavily on a limited number of key clients for a significant portion of its revenue. This dependency exposes the company to potential risks if these clients reduce their business or switch to competitors.

While UNB Corp has a strong domestic presence, its international market penetration is relatively limited. This lack of global reach may hinder the company's growth opportunities and leave it vulnerable to market fluctuations in specific regions.

Opportunities

The increasing focus on sustainability presents an opportunity for UNB Corp to develop and market eco-friendly products. By aligning with changing consumer preferences, the company can tap into a growing market segment and enhance its brand value.

Rapid technological advancements offer UNB Corp the chance to innovate and develop new products or improve existing ones. By staying at the forefront of technology, the company can enhance its competitiveness and meet evolving customer needs.

Threats

UNB Corp operates in a highly competitive market, with numerous established players and new entrants. The intense competition puts pressure on pricing, market share, and customer retention, requiring the company to continuously adapt and differentiate itself.

The global economy is subject to fluctuations that may impact consumer spending and business investment. UNB Corp must monitor economic trends closely and implement strategies to mitigate the potential negative effects of economic volatility.

UNB Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

UNB historical P/E ratio, EBIT multiple, and P/S ratio

UNB annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

UNB shares outstanding

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Number of stocks
Details
Date
Number of stocks
Jan 1, 1994
11.96 M Stocks
Jan 1, 1995
11.71 M Stocks
Jan 1, 1996
11.81 M Stocks
Jan 1, 1997
11.79 M Stocks
Jan 1, 1998
11.64 M Stocks
Jan 1, 1999
10.98 M Stocks
Jan 1, 2000
10.61 M Stocks
Jan 1, 2001
10.60 M Stocks

UNB Dividend History

13 years of dividend payments

YearAnnual DividendYoY ChangePayments
20252.50USD 0.0%
Jun 26, 20251.00USD 33.3%1/2
Dec 26, 20251.50USD 50.0%2/2
20242.50USD 0.0%
20232.50USD 0.0%
20222.50USD 0.0%
20212.50USD 0.0%
20202.50USD 0.0%
20192.50USD 0.0%
20182.50USD 66.7%
20171.50USD 40.0%
20162.50USD 34.2%
Price targets and forecasts for UNB are not yet available.

UNB Executives and Management Board

RM

Roger Mann

(69)

Chairman of the Board, President, Chief Executive Officer · since 2000

Compensation272,994.00 USD
LD

Leo Doyle

Executive Vice President United National Bank & Trust Co.

Compensation187,117.00 USD
JP

Mr. James Pennetti

(59)

Vice President and Treasurer

Compensation179,660.00 USD
RS

Robert Sweeney

Secretary

Compensation155,490.00 USD
SD

Scott Dodds

(52)

Executive Vice President, United National Bank & Trust Co.

Compensation136,582.00 USD

Frequently asked questions about UNB

The business model of UNB Corp revolves around providing diversified financial services to individuals, businesses, and municipalities. UNB Corp focuses on commercial and retail banking, wealth management, and trust services. Through its subsidiary United National Bank, the company offers checking and savings accounts, loans, mortgages, and cash management solutions. UNB Corp operates on a local scale and strives to build strong relationships with its clients by understanding their unique financial needs and offering personalized solutions. By delivering exceptional customer service and maintaining strong ties to the community, UNB Corp aims to create long-term value for its shareholders.

All fundamentals and in-depth analysis of UNB

Our stock analysis for UNB stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of UNB. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.