United Tennessee Bankshares, Inc. (UNTN)
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 $27.27 with AI Score 53/100 (Grade B). United Tennessee Bankshares, Inc. Market cap: $20.19M, Sector: Financial services.
Last analyzed: Mar 15, 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: 1/4 perspectives are bearish. Dominant signal: Seth Klarman bearish.
United Tennessee Bankshares, Inc. (UNTN) Financial Services Profile
United Tennessee Bankshares, Inc., through Newport Federal Bank, offers traditional banking services such as deposit accounts and loans to individuals and businesses in Newport, Tennessee. With a market capitalization of $0.02 billion and a profit margin of 25.2%, the company operates within a competitive regional banking landscape.
What Is the Investment Thesis for UNTN?
United Tennessee Bankshares, Inc. presents a focused investment opportunity within the regional banking sector. The company's high profit margin of 25.2% indicates efficient operations, but its small market capitalization of $0.02 billion and OTCQB listing suggest higher risk. Growth catalysts include expanding its loan portfolio and increasing adoption of internet banking services among its customer base. However, the absence of a dividend and a negative beta of -0.29 may deter some investors. The company's future success depends on its ability to navigate the competitive banking landscape and adapt to evolving customer preferences in the digital age.
Based on FMP financials and quantitative analysis
UNTN Key Highlights
- Market capitalization of $0.02 billion, indicating a small-cap company.
- Profit margin of 25.2%, reflecting strong profitability compared to some regional peers.
- Beta of -0.29, suggesting a low correlation with the overall market, potentially offering downside protection.
- Operates three full-service banking offices in Newport, Tennessee, indicating a localized business model.
- Offers a wide range of deposit and loan products, catering to diverse customer needs.
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 |
|---|---|---|---|---|
| MCHB Mechanics Bank | $15.43 | +1.71% | 4B | 71 |
| STLE Steele Bancorp Inc. | $41.66 | +0.27% | $77.43M | 69 |
| NASB NASB Financial, Inc. | $40.50 | +0.00% | $290.65M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.57 | +5.54% | $8.48B | 67 |
| CPKF Chesapeake Financial Shares, Inc. | $34.50 | +0.00% | $162.25M | 63 |
| CBTN Citizens Bancorp Investment, Inc. | $35.23 | +0.00% | 209M | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| PPERF PT Bank Mandiri (Persero) Tbk | $0.20 | +0.00% | $19.09B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UNTN's Key Strengths?
- Strong local presence in Newport, Tennessee.
- High profit margin of 25.2%.
- Wide range of deposit and loan products.
- Experienced management team.
What Are UNTN's Weaknesses?
- Small market capitalization of $0.02 billion.
- Limited geographic reach with only three banking offices.
- Lack of dividend may deter some investors.
- Reliance on traditional banking services.
What Could Drive UNTN Stock Higher?
- Potential expansion of internet banking services to attract new customers.
- Continued focus on strategic loan portfolio growth to increase revenue.
- Community engagement initiatives to strengthen brand loyalty.
What Are the Key Risks for UNTN?
- Increased competition from larger national and regional banks.
- Interest rate fluctuations impacting profitability.
- Regulatory compliance requirements increasing operational costs.
- Economic downturn in the local market affecting loan demand.
- Lower liquidity due to OTCQB listing.
What Are the Growth Opportunities for UNTN?
- Expansion of Internet Banking Services: United Tennessee Bankshares, Inc. can capitalize on the increasing demand for digital banking solutions. By enhancing its online and mobile banking platforms, the company can attract and retain customers, expand its geographic reach, and reduce operational costs. The market for digital banking is projected to grow significantly, offering a substantial opportunity for UNTN to increase its market share. Timeline: Ongoing.
- Strategic Loan Portfolio Growth: The company can focus on expanding its loan portfolio by targeting specific segments, such as small businesses and real estate developers, within its local market. By offering competitive interest rates and flexible loan terms, UNTN can attract new borrowers and increase its lending volume. The market for commercial and residential loans in Tennessee is expected to grow, providing a favorable environment for UNTN's loan expansion strategy. Timeline: Ongoing.
- Community Engagement and Brand Building: United Tennessee Bankshares, Inc. can strengthen its brand and build customer loyalty by actively engaging with the local community through sponsorships, charitable donations, and financial literacy programs. By positioning itself as a community-focused bank, UNTN can differentiate itself from larger national banks and attract customers who value local relationships. Timeline: Ongoing.
- Cross-Selling Financial Products: The company can increase revenue by cross-selling its various financial products and services to existing customers. By offering bundled packages and personalized recommendations, UNTN can encourage customers to adopt additional products, such as insurance, investment, and wealth management services. This strategy can enhance customer relationships and increase customer lifetime value. Timeline: Ongoing.
- Acquisition of Smaller Banks or Credit Unions: United Tennessee Bankshares, Inc. could explore strategic acquisitions of smaller banks or credit unions in adjacent markets to expand its geographic footprint and customer base. Acquisitions can provide UNTN with access to new markets, products, and technologies, accelerating its growth and increasing its market share. However, due diligence and integration are critical for successful acquisitions. Timeline: Potential.
What Opportunities Does UNTN Have?
- Expansion of internet banking services.
- Strategic loan portfolio growth.
- Community engagement and brand building.
- Cross-selling financial products.
What Threats Does UNTN Face?
- Competition from larger national and regional banks.
- Interest rate fluctuations.
- Regulatory compliance requirements.
- Economic downturn in the local market.
What Are UNTN's Competitive Advantages?
- Established local presence and strong community relationships.
- Long-standing history and reputation in the Newport, Tennessee market.
- Personalized customer service and local decision-making.
- Access to a stable deposit base from local customers.
What Does UNTN Do?
United Tennessee Bankshares, Inc. was established in 1934 and serves as the holding company for Newport Federal Bank. The bank provides a range of financial services to individuals and corporate clients primarily in Newport, Tennessee. Its core offerings include various deposit accounts, such as interest-bearing checking, savings, NOW, value checking, priority club checking, passbook savings, money market, and individual retirement accounts, as well as certificates of deposit. On the lending side, Newport Federal Bank provides one-to-four family first mortgage, consumer, car, secured/unsecured, home improvement, new construction, debt consolidation, and commercial real estate loans. Additionally, it offers lines of credit, remodeling loans, loans of deposits, and land refinancing options. The bank’s investment securities portfolio includes U.S. government corporations and agency securities, municipal bonds, corporate debt, and mortgage-backed securities. To enhance customer convenience, the bank provides internet banking services, direct teller services, notary services, sweep accounts, ATMs, cashier's checks, eStatements, 401K accounts, night drop deposit, and debit/ATM and credit card services. The company operates through three full-service banking offices in Newport, Tennessee, maintaining a local focus and community-oriented approach.
What Products and Services Does UNTN Offer?
- Provides interest-bearing checking and savings accounts.
- Offers various types of loans including mortgage, consumer, and commercial real estate loans.
- Manages an investment securities portfolio consisting of government, municipal, and corporate bonds.
- Provides internet banking services for convenient online access.
- Offers direct teller, notary, and ATM services.
- Provides debit/ATM and credit card services.
- Offers sweep accounts and cashier's checks.
How Does UNTN Make Money?
- Generates revenue primarily from interest income on loans.
- Earns fees from various banking services, such as account maintenance and transaction fees.
- Manages an investment portfolio to generate additional income.
- Attracts deposits from individuals and businesses to fund its lending activities.
What Industry Does UNTN Operate In?
United Tennessee Bankshares, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks and smaller community banks. The industry is undergoing a digital transformation, with increasing customer demand for online and mobile banking services. Regulatory compliance and interest rate fluctuations pose significant challenges. The regional banking sector is also influenced by local economic conditions, impacting loan demand and credit quality. United Tennessee Bankshares, Inc. competes with other regional banks and credit unions in the Tennessee market.
Who Are UNTN's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Real estate developers seeking financing for construction projects.
- Local government entities utilizing municipal bonds.
UNTN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
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's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
UNTN OTC Market Information
The OTCQB Venture Market is the middle tier of the over-the-counter (OTC) market for U.S. companies. It is designed for entrepreneurial and development-stage companies that are current in their reporting and undergo an annual verification and management certification process. Companies on OTCQB must meet minimum qualifications, be current in their reporting, and undergo an annual verification process. This tier offers more transparency than the Pink tier but less than the fully reporting exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to exchange-listed stocks.
- Less stringent regulatory oversight than major exchanges.
- Potential for wider bid-ask spreads and price volatility.
- Limited analyst coverage and investor awareness.
- Higher risk of fraud or manipulation compared to exchange-listed stocks.
- Verify the company's financial statements and SEC filings.
- Review the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any legal or regulatory issues.
- Monitor the company's trading volume and price volatility.
- Consult with a qualified financial advisor.
- Current in financial reporting and disclosure requirements for OTCQB.
- Annual verification and management certification process.
- Long-standing history and established business operations.
- Positive reviews and testimonials from customers.
- Membership in industry associations and trade groups.
United Tennessee Bankshares, Inc. Financial Services Stock: Key Questions Answered
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 to individuals and corporate clients in Newport, Tennessee. The bank offers deposit accounts, loans, and other traditional banking services through its three full-service banking offices and online platform. Its primary focus is serving the local community and building long-term customer relationships by offering personalized service.
What do analysts say about UNTN stock?
As of March 15, 2026, there is limited analyst coverage available for United Tennessee Bankshares, Inc. due to its small market capitalization and OTCQB listing. Key valuation metrics include its market capitalization of $0.02 billion and profit margin of 25.2%. Investors may want to evaluate the company's growth potential, risk factors, and financial performance when evaluating UNTN stock. Further independent research is recommended to form a comprehensive investment opinion.
What are the main risks for UNTN?
The main risks for United Tennessee Bankshares, Inc. include competition from larger banks, interest rate fluctuations, regulatory compliance requirements, and economic conditions in the local market. As an OTCQB-listed company, UNTN also faces liquidity risks and less stringent regulatory oversight compared to exchange-listed companies. Investors should carefully consider these risks before investing in UNTN stock. The small size of the company and limited diversification also contribute to higher risk profile.
What are the key factors to evaluate for UNTN?
United Tennessee Bankshares, Inc. (UNTN) holds an AI score of 53/100 (moderate). Not financial advice.
How frequently does UNTN data refresh on this page?
UNTN prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated 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: Strong local presence in Newport, Tennessee. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UNTN overvalued or undervalued right now?
Valuing United Tennessee Bankshares, Inc. (UNTN) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying UNTN?
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) what Wall Street analysts recommend and their 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
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- Information is based on available data and may be subject to change.
- OTC market data may have limited availability and accuracy.