United National Bank (UNBK) Ratios
United National Bank Ratios
UNBK's free cash flow for Q? was ―. For the fiscal year, UNBK's free cash flow was increased by ― and operating cash flow was ―. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.19 | 0.19 | 0.20 | 0.19 | 0.31 |
| Quick Ratio | 0.19 | 0.19 | 0.20 | 0.19 | 0.31 |
| Cash Ratio | 0.19 | 0.17 | 0.19 | 0.18 | 0.30 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.02 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -215.50M | $ -199.59M | $ -199.67M | $ -217.98M | $ -179.75M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.03 | 0.03 | 0.03 | 0.05 |
| Debt-to-Equity Ratio | 0.10 | 0.19 | 0.21 | 0.24 | 0.41 |
| Debt-to-Capital Ratio | 0.09 | 0.16 | 0.17 | 0.19 | 0.29 |
| Long-Term Debt-to-Capital Ratio | 0.09 | 0.16 | 0.17 | 0.19 | 0.29 |
| Financial Leverage Ratio | 6.70 | 6.48 | 6.83 | 7.95 | 8.01 |
| Debt Service Coverage Ratio | 0.66 | 0.66 | 1.15 | 2.34 | 2.23 |
| Interest Coverage Ratio | 0.91 | 0.98 | 1.86 | 3.74 | 2.89 |
| Debt to Market Cap | 0.00 | 0.20 | 0.26 | 0.32 | 0.61 |
| Interest Debt Per Share | 0.00 | 17.86 | 15.70 | 13.30 | 20.21 |
| Net Debt to EBITDA | -7.90 | -5.78 | -5.88 | -8.09 | -12.73 |
| Profitability Margins | |||||
| Gross Profit Margin | 70.51% | 71.35% | 80.12% | 89.77% | 87.99% |
| EBIT Margin | 26.97% | 27.95% | 36.89% | 38.23% | 34.64% |
| EBITDA Margin | 26.14% | 25.60% | 31.12% | 33.90% | 35.74% |
| Operating Profit Margin | 26.97% | 27.95% | 36.89% | 38.23% | 34.64% |
| Pretax Profit Margin | 26.97% | 27.95% | 36.89% | 38.23% | 34.64% |
| Net Profit Margin | 20.25% | 21.24% | 28.60% | 28.26% | 25.65% |
| Continuous Operations Profit Margin | 20.25% | 21.24% | 28.60% | 28.26% | 25.65% |
| Net Income Per EBT | 75.09% | 75.99% | 77.52% | 73.93% | 74.03% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.42% | 1.55% | 1.89% | 1.28% | 1.12% |
| Return on Equity (ROE) | 9.53% | 10.02% | 12.92% | 10.18% | 8.97% |
| Return on Capital Employed (ROCE) | 11.23% | 10.84% | 13.42% | 10.81% | 8.43% |
| Return on Invested Capital (ROIC) | 8.43% | 8.24% | 10.40% | 7.99% | 6.24% |
| Return on Tangible Assets | 1.42% | 1.55% | 1.89% | 1.28% | 1.12% |
| Earnings Yield | 0.00% | 10.81% | 15.98% | 13.34% | 13.48% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 5.41 | 5.61 | 5.44 | 5.69 |
| Payables Turnover | 3.14 | 3.03 | 2.02 | 3.82 | 4.68 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 9.28 | 8.36 | 7.10 | 5.34 | 5.20 |
| Asset Turnover | 0.07 | 0.07 | 0.07 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.11 | -0.11 | -0.10 | -0.07 | -0.08 |
| Cash Conversion Cycle | -116.29 | -53.18 | -115.89 | -28.49 | -13.91 |
| Days of Sales Outstanding | 0.00 | 67.47 | 65.09 | 67.09 | 64.10 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 116.29 | 120.64 | 180.98 | 95.58 | 78.01 |
| Operating Cycle | 0.00 | 67.47 | 65.09 | 67.09 | 64.10 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.00 | 5.61 | 6.13 | 4.60 | 5.19 |
| Free Cash Flow Per Share | 0.00 | 5.60 | 5.76 | 4.20 | 5.09 |
| Dividend Paid and CapEx Coverage Ratio | 1.99 | 1.86 | 2.34 | 2.00 | 2.87 |
| Capital Expenditure Coverage Ratio | 120.48 | 334.60 | 16.33 | 11.63 | 47.65 |
| Operating Cash Flow Coverage Ratio | 1.04 | 0.54 | 0.56 | 0.40 | 0.28 |
| Operating Cash Flow to Sales Ratio | 0.22 | 0.22 | 0.26 | 0.27 | 0.33 |
| Free Cash Flow Yield | 0.00% | 10.97% | 13.55% | 11.52% | 16.95% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 0.00 | 9.25 | 6.26 | 7.49 | 7.42 |
| Price-to-Sales (P/S) Ratio | 0.00 | 1.96 | 1.79 | 2.12 | 1.90 |
| Price-to-Book (P/B) Ratio | 0.00 | 0.93 | 0.81 | 0.76 | 0.67 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 0.00 | 9.11 | 7.38 | 8.68 | 5.90 |
| Price-to-Operating Cash Flow Ratio | 0.00 | 9.09 | 6.93 | 7.94 | 5.78 |
| Price-to-Earnings Growth (PEG) Ratio | 0.00 | -0.49 | 0.16 | 0.36 | 29.90 |
| Enterprise Value Multiple | -7.90 | 1.89 | -0.12 | -1.85 | -7.41 |
| Enterprise Value | -45.22M | 10.12M | -740.50K | -8.68M | -33.60M |
| EV to EBITDA | -7.90 | 1.89 | -0.12 | -1.85 | -7.41 |
| EV to Sales | -2.06 | 0.48 | -0.04 | -0.63 | -2.65 |
| EV to Free Cash Flow | -9.32 | 2.25 | -0.16 | -2.56 | -8.21 |
| EV to Operating Cash Flow | -9.24 | 2.24 | -0.15 | -2.34 | -8.04 |
| Tangible Book Value Per Share | 0.00 | 55.02 | 52.58 | 47.86 | 45.08 |
| Shareholders’ Equity Per Share | 0.00 | 55.02 | 52.58 | 47.86 | 45.08 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.25 | 0.24 | 0.22 | 0.26 | 0.26 |
| Revenue Per Share | 0.00 | 25.97 | 23.75 | 17.23 | 15.77 |
| Net Income Per Share | 0.00 | 5.52 | 6.79 | 4.87 | 4.04 |
| Tax Burden | 0.75 | 0.76 | 0.78 | 0.74 | 0.74 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
| Income Quality | 1.10 | 1.02 | 0.90 | 0.94 | 1.28 |
Currency in USD
