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United Tennessee Bankshares, Inc. (UNTN)

USD29.91 +0.26 (+0.88%)
US OTC Financial Services Banks - Regional
Address 170 West Broadway 37821-2325
Newport, TN, US
CEO Chris H. Triplett
IPO 1998-01-09
ISIN US91307P2020

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Description

United Tennessee Bankshares, Inc. functions as the parent entity of Newport Federal Bank, delivering a comprehensive suite of financial solutions to both individual consumers and business clients. Its array of deposit products encompasses interest-bearing checking accounts, various savings options including passbook and NOW accounts, money market accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). On the lending side, the bank extends credit for diverse purposes. These include residential mortgages for one-to-four family properties, personal and auto loans (both secured and unsecured), home improvement and new construction financing, debt consolidation loans, and commercial real estate loans. Additionally, it provides lines of credit, remodeling loans, loans secured by deposits, and land refinancing services. The company also manages an investment portfolio, which features securities from U.S. government corporations and agencies, municipal bonds issued by governmental bodies, state and political obligations, corporate debt instruments, and mortgage-backed securities. Moreover, it facilitates online banking for its customers. With three full-service banking branches, the company serves its clientele exclusively in Newport, Tennessee. Established in 1934, the institution maintains its headquarters in Newport, Tennessee.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD29.91 +0.26 (+0.88%)
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Volume Profile
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Liquidity & share structure
Average Volume
170
Beta
-0.25
Float Shares
374.0K
Free Float %
50.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +2.04% +9.76% +19.06% +32.03% +28.51% +62.26% +51.54% +16.63% +55.50% +89.76%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
29.91
DCF (Unlevered) 144.33 +382.6%
DCF (Levered) 179.48 +500.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.50
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +7.0% Q4'25: +3.6% (vs Q4'24)
  • EPS growth
    +61.6% Q4'25: +133.3% (vs Q4'24)
  • FCF margin
    Q4'25: +0.0% (vs Q4'24)
  • EBIT margin
    Q4'25: +20.5% (vs Q4'24)
  • ROIC
    Q4'25: -4.2% (vs Q4'24)
  • Share dilution
    -1.6% Q4'25: -1.8% (vs Q4'24)
  • Debt / EBITDA
    Q4'25: 0.00× (vs Q4'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.29) × ERP
WACC = 100% × Ke + 0% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 144.33 Current price: 29.91
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-05-19 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-05-18 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-05-15 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-05-13 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-05-11 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-05-07 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-05-05 A- 4/5 5/5 3/5 3/5 1/5 4/5 4/5
2026-05-04 A- 4/5 5/5 3/5 3/5 1/5 4/5 4/5
2026-05-01 A- 4/5 5/5 3/5 3/5 1/5 4/5 4/5
2026-04-30 A- 4/5 5/5 3/5 3/5 1/5 4/5 4/5
2026-04-17 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
470.9K
OE per share TTM
0.53
Owner's Yield
2.31%
Maintenance CapEx ratio
11.57%
Maint CapEx / Avg PPE
23.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
78.9K
Shares Outstanding
740.3K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Chris H. Triplett President, Chief Executive Officer & Director male
Thomas Rush Senior Vice President male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits