United Tennessee Bankshares, Inc. Logo

United Tennessee Bankshares, Inc.

UNTN

(3.0)
Stock Price

16,44 USD

0.53% ROA

8.11% ROE

10x PER

Market Cap.

14.331.885,00 USD

0% DER

3.62% Yield

16.24% NPM

United Tennessee Bankshares, Inc. Stock Analysis

United Tennessee Bankshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

United Tennessee Bankshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.91x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

3 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

4 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

5 ROE

The stock's ROE falls within an average range (14.32%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.86%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (66), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

United Tennessee Bankshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

United Tennessee Bankshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Buy
4 Stoch RSI Buy

United Tennessee Bankshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

United Tennessee Bankshares, Inc. Revenue
Year Revenue Growth
1997 270.643
1998 3.400.000 92.04%
1999 3.500.000 2.86%
2000 3.433.722 -1.93%
2001 4.183.000 17.91%
2002 5.504.183 24%
2003 5.807.412 5.22%
2004 5.735.937 -1.25%
2012 6.934.107 17.28%
2013 6.890.173 -0.64%
2014 6.484.591 -6.25%
2015 6.216.367 -4.31%
2016 6.182.714 -0.54%
2017 6.412.302 3.58%
2018 6.509.684 1.5%
2019 6.108.667 -6.56%
2020 5.814.957 -5.05%
2021 6.044.435 3.8%
2022 7.076.236 14.58%
2023 7.024.000 -0.74%
2023 10.080.072 30.32%
2024 11.740.000 14.14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

United Tennessee Bankshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

United Tennessee Bankshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 0
1998 700.000 100%
1999 1.100.000 36.36%
2000 1.118.375 1.64%
2001 1.252.000 10.67%
2002 1.355.550 7.64%
2003 1.535.181 11.7%
2004 1.693.093 9.33%
2012 2.376.632 28.76%
2013 2.431.481 2.26%
2014 2.587.676 6.04%
2015 2.692.329 3.89%
2016 2.918.606 7.75%
2017 2.522.779 -15.69%
2018 2.559.778 1.45%
2019 2.612.003 2%
2020 2.607.780 -0.16%
2021 2.525.386 -3.26%
2022 2.728.336 7.44%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

United Tennessee Bankshares, Inc. EBITDA
Year EBITDA Growth
1997 1.062.383
1998 1.800.000 40.98%
1999 1.400.000 -28.57%
2000 1.290.701 -8.47%
2001 1.823.000 29.2%
2002 2.997.219 39.18%
2003 3.154.615 4.99%
2004 2.871.398 -9.86%
2012 2.317.185 -23.92%
2013 2.632.833 11.99%
2014 2.249.200 -17.06%
2015 2.565.903 12.34%
2016 2.236.080 -14.75%
2017 2.375.053 5.85%
2018 3.689.673 35.63%
2019 1.977.697 -86.56%
2020 1.528.401 -29.4%
2021 1.930.493 20.83%
2022 3.763.378 48.7%
2023 2.028.000 -85.57%
2023 109.129 -1758.35%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

United Tennessee Bankshares, Inc. Gross Profit
Year Gross Profit Growth
1997 270.643
1998 3.400.000 92.04%
1999 3.500.000 2.86%
2000 3.433.722 -1.93%
2001 4.183.000 17.91%
2002 5.504.183 24%
2003 5.807.412 5.22%
2004 5.735.937 -1.25%
2012 6.934.107 17.28%
2013 6.890.173 -0.64%
2014 6.484.591 -6.25%
2015 6.216.367 -4.31%
2016 6.182.714 -0.54%
2017 6.412.302 3.58%
2018 6.509.684 1.5%
2019 6.108.667 -6.56%
2020 5.814.957 -5.05%
2021 6.044.435 3.8%
2022 7.076.236 14.58%
2023 7.024.000 -0.74%
2023 10.282.000 31.69%
2024 11.740.000 12.42%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

United Tennessee Bankshares, Inc. Net Profit
Year Net Profit Growth
1997 653.654
1998 1.100.000 40.58%
1999 700.000 -57.14%
2000 801.911 12.71%
2001 1.111.000 27.82%
2002 1.761.804 36.94%
2003 2.006.193 12.18%
2004 1.914.802 -4.77%
2012 1.481.879 -29.21%
2013 1.656.324 10.53%
2014 1.490.081 -11.16%
2015 1.665.416 10.53%
2016 1.495.194 -11.38%
2017 1.233.532 -21.21%
2018 1.838.951 32.92%
2019 1.502.062 -22.43%
2020 1.185.933 -26.66%
2021 1.520.043 21.98%
2022 2.107.992 27.89%
2023 1.664.000 -26.68%
2023 1.883.539 11.66%
2024 1.484.000 -26.92%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

United Tennessee Bankshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 0
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 100%
2003 2 0%
2004 2 0%
2012 2 0%
2013 2 50%
2014 2 -100%
2015 2 0%
2016 2 0%
2017 1 0%
2018 2 50%
2019 2 -100%
2020 1 0%
2021 2 0%
2022 3 50%
2023 2 0%
2023 3 0%
2024 2 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

United Tennessee Bankshares, Inc. Free Cashflow
Year Free Cashflow Growth
1997 650.314
1998 1.300.000 49.98%
1999 1.100.000 -18.18%
2000 795.895 -38.21%
2001 1.323.000 39.84%
2002 1.452.555 8.92%
2003 2.409.411 39.71%
2004 1.647.694 -46.23%
2005 -916.000 279.88%
2012 3.269.024 128.02%
2013 3.602.254 9.25%
2014 3.093.350 -16.45%
2015 2.635.904 -17.35%
2016 2.683.549 1.78%
2017 2.465.831 -8.83%
2018 2.905.435 15.13%
2019 2.569.052 -13.09%
2020 2.295.554 -11.91%
2021 2.729.562 15.9%
2022 3.154.538 13.47%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

United Tennessee Bankshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1997 662.336
1998 1.300.000 49.05%
1999 1.200.000 -8.33%
2000 811.004 -47.96%
2001 1.412.000 42.56%
2002 2.018.022 30.03%
2003 2.535.588 20.41%
2004 2.450.876 -3.46%
2005 62.000 -3853.03%
2012 3.313.936 98.13%
2013 3.629.234 8.69%
2014 3.125.748 -16.11%
2015 2.768.097 -12.92%
2016 2.727.754 -1.48%
2017 2.490.390 -9.53%
2018 2.946.875 15.49%
2019 2.614.727 -12.7%
2020 2.314.053 -12.99%
2021 2.764.742 16.3%
2022 3.211.188 13.9%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

United Tennessee Bankshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1997 12.022
1998 0 0%
1999 100.000 100%
2000 15.109 -561.86%
2001 89.000 83.02%
2002 565.467 84.26%
2003 126.177 -348.15%
2004 803.182 84.29%
2005 978.000 17.88%
2012 44.912 -2077.59%
2013 26.980 -66.46%
2014 32.398 16.72%
2015 132.193 75.49%
2016 44.205 -199.05%
2017 24.559 -80%
2018 41.440 40.74%
2019 45.675 9.27%
2020 18.499 -146.91%
2021 35.180 47.42%
2022 56.650 37.9%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

United Tennessee Bankshares, Inc. Equity
Year Equity Growth
1997 7.051.888
1998 20.000.000 64.74%
1999 11.900.000 -68.07%
2000 13.330.131 10.73%
2001 14.168.000 5.91%
2002 15.924.973 11.03%
2003 16.892.956 5.73%
2004 18.418.727 8.28%
2013 17.557.103 -4.91%
2014 19.391.069 9.46%
2015 20.573.153 5.75%
2016 21.084.856 2.43%
2017 22.230.549 5.15%
2018 22.969.075 3.22%
2019 25.418.634 9.64%
2020 26.977.159 5.78%
2021 23.472.089 -14.93%
2022 14.964.388 -56.85%
2023 15.198.000 1.54%
2023 18.715.965 18.8%
2024 18.279.000 -2.39%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

United Tennessee Bankshares, Inc. Assets
Year Assets Growth
1997 90.007.664
1998 97.100.000 7.3%
1999 94.100.000 -3.19%
2000 98.553.433 4.52%
2001 100.811.000 2.24%
2002 111.752.523 9.79%
2003 116.982.136 4.47%
2004 122.658.912 4.63%
2013 182.704.594 32.86%
2014 190.815.072 4.25%
2015 196.789.049 3.04%
2016 200.118.398 1.66%
2017 202.678.839 1.26%
2018 205.950.953 1.59%
2019 211.861.311 2.79%
2020 240.467.796 11.9%
2021 258.329.561 6.91%
2022 251.033.003 -2.91%
2023 263.130.000 4.6%
2023 263.290.162 0.06%
2024 270.438.000 2.64%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

United Tennessee Bankshares, Inc. Liabilities
Year Liabilities Growth
1997 82.955.776
1998 77.100.000 -7.6%
1999 7.000.000 -1001.43%
2000 2.053.197 -240.93%
2001 162.000 -1167.41%
2002 95.827.550 99.83%
2003 100.089.180 4.26%
2004 104.240.185 3.98%
2013 165.147.491 36.88%
2014 171.424.003 3.66%
2015 176.215.896 2.72%
2016 179.033.542 1.57%
2017 180.448.290 0.78%
2018 182.981.878 1.38%
2019 25.040 -730658.3%
2020 8.108 -208.83%
2021 5.735 -41.38%
2022 236.068.615 100%
2023 0 0%
2023 244.574.197 100%
2024 0 0%

United Tennessee Bankshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
10.37
Net Income per Share
1.68
Price to Earning Ratio
10x
Price To Sales Ratio
1.62x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.78
EV to Sales
0.27
EV Over EBITDA
2.65
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.1
FreeCashFlow Yield
0
Market Cap
0,01 Bil.
Enterprise Value
0,00 Bil.
Graham Number
28.54
Graham NetNet
14.06

Income Statement Metrics

Net Income per Share
1.68
Income Quality
0
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.84
EBT Per Ebit
0.26
Ebit per Revenue
0.74
Effective Tax Rate
0.16

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.02
Operating Profit Margin
0.74
Pretax Profit Margin
0.19
Net Profit Margin
0.16

Dividends

Dividend Yield
0.04
Dividend Yield %
3.62
Payout Ratio
0
Dividend Per Share
0.61

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.3
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
14,06
Book Value per Share
317,95
Tangible Book Value per Share
317.95
Shareholders Equity per Share
21.49
Interest Debt per Share
3.89
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-13.35
Current Ratio
0
Tangible Asset Value
0,27 Bil.
Net Current Asset Value
0,01 Bil.
Invested Capital
11956000
Working Capital
0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

United Tennessee Bankshares, Inc. Dividends
Year Dividends Growth
1998 0
1999 4 100%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

United Tennessee Bankshares, Inc. Profile

About United Tennessee Bankshares, Inc.

United Tennessee Bankshares, Inc. operates as the holding company for Newport Federal Bank that provides various financial services to individuals and corporate customers. The company accepts interest-bearing checking, savings, NOW, passbook savings, money market, and individual retirement accounts, as well as certificates of deposit. It offers one-to-four family first mortgage, consumer, car, secured/unsecured, home improvement, new construction, debt consolidation, and commercial real estate loans; and lines of credit, remodeling, loans of deposits, and land refinancing. The company also provides investment securities portfolio consists of the U.S. government corporations and agency securities, municipal bonds of governmental entities, corporate debt, and mortgage-backed securities, as well as obligations of states and political; and Internet banking services. It operates through three full-service banking offices located in Newport, Tennessee. The company was founded in 1934 and is based in Newport, Tennessee.

CEO
Mr. Chris H. Triplett
Employee
30
Address
170 West Broadway
Newport, 37821-2325

United Tennessee Bankshares, Inc. Executives & BODs

United Tennessee Bankshares, Inc. Executives & BODs
# Name Age
1 Mr. Chris H. Triplett
President, Chief Executive Officer & Director
70
2 Mr. Thomas D. Rush Jr.
Senior Vice President
70

United Tennessee Bankshares, Inc. Competitors