UNBK:OTCUnited National Bank (Cairo, GA) Analysis
Data as of 2026-09-02 - not real-time
$54.50
Latest Price
5/10Risk
Risk Level: Medium
Executive Summary
United National Bank is priced at $54.50 and its moving averages line up in bearish order, the shorter trailing the longer. Momentum indicators put RSI at 30.9 (approaching oversold) with MACD reading bullish.
On valuation the read is undervalued — earnings multiple of 9.9 versus a 16.7 sector average, below the peer group. The 5.50% dividend yield looks covered by current payout levels.
On a 1-10 scale the risk profile lands at 5 — moderate. With 30-day volatility of 2.1%, a beta of -0.02 and a maximum drawdown of 21.5%, position sizing matters here. Thin trading volumes mean execution costs can be material on larger orders. The wider market backdrop reads extreme greed at 91 on the fear-greed composite.
Across every horizon the signals point the same way: hold, at a conviction of 3 out of 10.
On valuation the read is undervalued — earnings multiple of 9.9 versus a 16.7 sector average, below the peer group. The 5.50% dividend yield looks covered by current payout levels.
On a 1-10 scale the risk profile lands at 5 — moderate. With 30-day volatility of 2.1%, a beta of -0.02 and a maximum drawdown of 21.5%, position sizing matters here. Thin trading volumes mean execution costs can be material on larger orders. The wider market backdrop reads extreme greed at 91 on the fear-greed composite.
Across every horizon the signals point the same way: hold, at a conviction of 3 out of 10.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 3/10
Key Factors
- Short-term moving averages stacked below long-term ones
- Trading below the 200-day average of 56.26
- MACD momentum is positive
Medium Term
1–3 yearsNeutral
Model confidence: 2/10
Key Factors
- Short-term moving averages stacked below long-term ones
- P/E of 9.9 versus sector average of 16.7
- Trading below the 200-day average of 56.26
Long Term
> 3 yearsNeutral
Model confidence: 3/10
Key Factors
- P/E of 9.9 versus sector average of 16.7
- Dividend yield of 5.50%
- Thin trading liquidity raises execution risk
Key Metrics & Analysis
Financial Health
P/E Ratio9.9
Industry P/E16.7
Technical Analysis
TrendBearish
RSI30.9
Support$54.50
Resistance$54.50
MA 20$54.50
MA 50$54.91
MA 200$56.26
MACDBullish
VolumeDecreasing
Fear & Greed Index91.39
Valuation
GradeUndervalued
TypeValue
Dividend Yield5.50%
Risk Assessment
Beta-0.02
Volatility2.08%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskHigh
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.