United Tennessee Bankshares, Inc. (UNTN) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
United Tennessee Bankshares, Inc. (UNTN) trades at $30.09 with AI Score 53/100 (Grade B). United Tennessee Bankshares, Inc. is a regional bank holding company providing various financial services through Newport Federal Bank. Market cap: $22.3M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for UNTN: UNTN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates UNTN against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
UNTN: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
United Tennessee Bankshares, Inc. (UNTN) Financial Services Profile
United Tennessee Bankshares, Inc. operates as a regional bank holding company, offering a diverse range of financial services including loans, deposits, and investment products primarily in Newport, Tennessee, with a focus on personalized customer service and community engagement.
What Is the Investment Thesis for UNTN?
United Tennessee Bankshares, Inc. presents a stable investment opportunity within the regional banking sector, characterized by a market capitalization of $22.3M and a P/E ratio of 10.2. The bank's profit margin stands at 16.0%, indicating effective cost management and operational efficiency. Growth catalysts include the expansion of its loan portfolio, particularly in commercial real estate and consumer lending, as well as the ongoing development of its investment securities portfolio. The bank's commitment to internet banking services is expected to enhance customer engagement and operational efficiency. However, potential risks include economic downturns affecting loan performance and competitive pressures from larger financial institutions. Investors may find value in the bank's consistent dividend yield of 2.31%, which reflects its profitability and commitment to returning capital to shareholders.
Based on FMP financials and quantitative analysis
UNTN Key Highlights
Market capitalization of $22.3M indicates a small regional bank with focused operations.
- P/E ratio of 10.2 suggests a valuation that may appeal to value-oriented investors.
- Profit margin of 16.0% reflects strong operational efficiency and profitability.
- Gross margin of 61.2% indicates effective management of revenue generation and cost control.
- Dividend yield of 2.31% highlights the bank's commitment to returning capital to shareholders.
Who Are UNTN's Competitors?
UNTN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $18.53 | -0.22% | $6.60B | 89 |
| BUSE First Busey Corporation | $30.22 | -0.07% | $2.56B | 79 |
| CIVB Civista Bancshares, Inc. | $27.54 | +0.18% | $572M | 57 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UNTN's Key Strengths?
Established reputation and trust within the local community.
- Strong profit margins indicating effective management.
- Diverse range of financial products catering to various customer needs.
- Commitment to customer service and community involvement.
What Are UNTN's Weaknesses?
Limited geographic reach compared to larger banks.
- Small employee base may limit operational capacity.
- Dependence on local economic conditions for growth.
- Potentially lower brand recognition outside of the immediate area.
What Could Drive UNTN Stock Higher?
Expansion of internet banking services expected to attract younger customers.
- Growth in the loan portfolio driven by increased demand for commercial real estate loans.
- Continued community engagement initiatives enhancing brand loyalty.
- Diversification into wealth management services to attract higher-net-worth clients.
- Improvement in operational efficiency leading to higher profit margins.
What Are the Key Risks for UNTN?
Financial-distress signal — its Altman Z-Score of -0.50 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns could negatively impact loan performance.
- Intense competition from larger financial institutions affecting market share.
- Regulatory changes may impose additional compliance costs.
- Dependence on local economic conditions for growth and stability.
- Rising interest rates may dampen borrowing demand.
What Are the Growth Opportunities for UNTN?
- Expansion of Loan Portfolio: United Tennessee Bankshares aims to grow its loan portfolio, particularly in commercial real estate and consumer lending, which are expected to see increased demand as the local economy expands. The commercial real estate market in Tennessee is projected to grow at a CAGR of 5% over the next five years, providing opportunities for the bank to increase its lending activities.
- Internet Banking Services Development: The bank is enhancing its internet banking services to improve customer engagement and streamline operations. With the increasing trend towards digital banking, this initiative is expected to attract younger customers and increase transaction volumes, potentially boosting revenue by 10-15% over the next few years.
- Investment Securities Portfolio Growth: United Tennessee Bankshares is focusing on expanding its investment securities portfolio, which includes U.S. government and municipal bonds. The demand for safe investment options is expected to rise, and the bank aims to increase its portfolio by 20% over the next three years, capitalizing on favorable interest rate conditions.
- Community Engagement Initiatives: By strengthening its community engagement and support for local businesses, the bank can enhance its brand loyalty and customer base. Initiatives aimed at supporting local economic development could lead to a 5-10% increase in deposits as community members recognize the bank's commitment to local growth.
- Diversification of Financial Products: The bank plans to diversify its product offerings to include more financial services such as wealth management and financial advisory services. This diversification can attract higher-net-worth individuals and businesses, potentially increasing fee-based income by 15-20% over the next five years.
What Are UNTN's Competitive Advantages?
- Strong local brand recognition and community trust.
- Personalized customer service that differentiates it from larger banks.
- Established relationships with local businesses and individuals.
- Diverse range of financial products tailored to community needs.
- Focus on community engagement and support for local economic development.
What Does UNTN Do?
Founded in 1934, United Tennessee Bankshares, Inc. serves as the holding company for Newport Federal Bank, which provides a comprehensive array of financial services tailored to both individual and corporate clients. With a strong presence in Newport, Tennessee, the bank operates three full-service banking offices, emphasizing community banking and personalized service. The bank offers various deposit products, including interest-bearing checking accounts, savings accounts, money market accounts, and certificates of deposit. In addition to traditional banking services, United Tennessee Bankshares provides a wide range of loan products, such as first mortgages for one-to-four family homes, consumer loans, car loans, and commercial real estate financing. The bank also engages in investment activities, maintaining a portfolio that includes U.S. government securities, municipal bonds, corporate debt, and mortgage-backed securities. As a regional bank, United Tennessee Bankshares is committed to serving its local community, fostering relationships with customers, and contributing to the economic development of the area. The bank's focus on customer service and community involvement differentiates it from larger financial institutions, allowing it to build trust and loyalty among its client base.
What Products and Services Does UNTN Offer?
- Operate as the holding company for Newport Federal Bank.
- Provide a range of financial services including loans and deposits.
- Offer various types of loans such as mortgages, consumer loans, and commercial loans.
- Manage an investment securities portfolio including government and municipal bonds.
- Facilitate internet banking services for customer convenience.
- Engage in community banking with a focus on personalized customer service.
How Does UNTN Make Money?
- Generate revenue through interest income from loans and investment securities.
- Earn fees from banking services such as account maintenance and transaction processing.
- Attract deposits from individuals and businesses to fund lending activities.
- Utilize a diversified loan portfolio to mitigate risk and enhance returns.
- Leverage community engagement to build customer loyalty and drive growth.
What Industry Does UNTN Operate In?
The regional banking sector is characterized by a focus on community engagement and personalized services, with banks like United Tennessee Bankshares, Inc. playing a crucial role in local economies. The industry has seen steady growth, driven by increasing demand for loans and deposits as economic conditions improve. Regional banks face competition from larger financial institutions, but they often differentiate themselves through customer service and local knowledge. The overall market for regional banks is projected to grow, supported by rising interest rates and an expanding economy, which may benefit United Tennessee Bankshares as it seeks to capture a larger market share in its local area.
Who Are UNTN's Key Customers?
- Individual consumers seeking personal banking services.
- Small to medium-sized businesses requiring commercial banking solutions.
- Local residents looking for mortgage and loan products.
- Investors interested in safe investment options such as bonds.
- Community members seeking personalized banking experiences.
United Tennessee Bankshares, Inc. (UNTN) Valuation Context
Valued at $22.3M, UNTN is classified as a micro-cap stock. Relative to its peer group, UNTN's quantitative score of 53/100 is below the peer average of 82/100.
UNTN Revenue & Earnings Trend
In Q4 2025, UNTN generated $2.9M in top-line revenue, marking a sequential decrease of 7.0%. The company recorded net income of $507K, with diluted EPS of $0.70. Revenue has contracted over three consecutive quarters, which investors in this micro-cap Financial Services stock should monitor closely. Across the four most recent quarters, UNTN averaged $0.62 in diluted EPS.
Company Profile
United Tennessee Bankshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Newport, US. The company is led by CEO Chris H. Triplett. UNTN has traded publicly since 1998.
Key Financial Metrics
Return on equity for United Tennessee Bankshares, Inc. stands at 9.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. UNTN trades at a trailing price-to-earnings ratio of 10.17, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.29 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
United Tennessee Bankshares, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.50 places it in the distress zone, a signal of elevated financial risk.
UNTN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established reputation and trust within the local community.
- Strong profit margins indicating effective management.
- Diverse range of financial products catering to various customer needs.
- Commitment to customer service and community involvement.
Bear Case
- Limited geographic reach compared to larger banks.
- Small employee base may limit operational capacity.
- Dependence on local economic conditions for growth.
- Potentially lower brand recognition outside of the immediate area.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $3M | $507,109 | $0.70 |
| Q3 2025 | $3M | $478,000 | $0.56 |
| Q2 2025 | $3M | $552,000 | $0.74 |
| Q1 2025 | $3M | $412,000 | $0.48 |
Based on FMP financials and quantitative analysis
UNTN Latest News
No recent news available for UNTN.
UNTN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for UNTN.
Price Targets
Wall Street price target analysis for UNTN.
UNTN MoonshotScore
What does this score mean?
The MoonshotScore rates UNTN 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Chris H. Triplett
CEO
Chris H. Triplett has been leading United Tennessee Bankshares, Inc. as CEO, bringing extensive experience in the banking sector. His career spans over two decades in various leadership roles within regional banks, where he has developed a deep understanding of community banking and customer service. Triplett holds a degree in Finance from the University of Tennessee and has participated in numerous banking leadership programs.
Track Record: Under Chris H. Triplett's leadership, the bank has focused on enhancing customer service and expanding its loan portfolio. He has successfully implemented strategies that have improved operational efficiency and increased profitability, positioning the bank for future growth.
UNTN OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the criteria for higher tiers like OTCQX or OTCQB. These companies typically have less stringent reporting requirements and may not be subject to the same level of regulatory oversight as those on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited financial disclosures may hinder investor confidence.
- Low trading volume could lead to liquidity issues.
- Potential for higher volatility compared to stocks listed on major exchanges.
- Regulatory risks associated with operating as an OTC company.
- Dependence on local economic conditions that may impact financial performance.
- Review any available financial statements and performance metrics.
- Assess the bank's regulatory compliance and risk management practices.
- Evaluate the competitive landscape and market position.
- Investigate community engagement initiatives and their impact.
- Consider the economic conditions in the bank's operating regions.
- Established history since 1934, indicating stability and longevity.
- Local community involvement and support for regional initiatives.
- Positive customer reviews and testimonials reflecting service quality.
United Tennessee Bankshares, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for UNTN?
UNTN holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. United Tennessee Bankshares, Inc. is a regional bank holding company providing various financial services through Newport Federal Bank. Established in 1934, it serves individual and corporate …
What does United Tennessee Bankshares, Inc. do?
United Tennessee Bankshares, Inc. operates as the holding company for Newport Federal Bank, providing a range of financial services including personal and commercial banking products. The bank offers various deposit accounts, loans for individuals and businesses, and investment securities. It focuses on serving the local community in Newport, Tennessee, with a commitment to personalized customer service.
What are the main risks for UNTN?
United Tennessee Bankshares, Inc. faces several risks, including economic downturns that could affect loan performance and repayment rates. Additionally, the bank competes with larger financial institutions that may have more resources and broader product offerings. Regulatory changes could impose additional compliance costs, and the bank's dependence on local economic conditions makes it vulnerable to regional economic fluctuations.
How does United Tennessee Bankshares, Inc. make money in financial services?
United Tennessee Bankshares, Inc. generates revenue primarily through interest income from loans and investment securities. The bank earns fees from various banking services, including account maintenance and transaction processing. By attracting deposits from individuals and businesses, it funds its lending activities, allowing for a diversified revenue stream that mitigates risk and enhances profitability.
What are the key factors to evaluate for UNTN?
United Tennessee Bankshares, Inc. (UNTN) holds an AI score of 53/100 (moderate). P/E: 10.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does UNTN data refresh on this page?
UNTN's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven UNTN's recent stock price performance?
United Tennessee Bankshares, Inc. (UNTN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established reputation and trust within the local community. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UNTN overvalued or undervalued right now?
United Tennessee Bankshares, Inc. (UNTN) trades at 10.2x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research UNTN before investing?
Before investing in United Tennessee Bankshares, Inc. (UNTN), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited financial disclosures available; reliance on community engagement and local economic conditions.