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    Banks - Regional
United Tennessee Bankshares, Inc.

United Tennessee Bankshares, Inc.

UNTN
United Tennessee Bankshares, Inc.US flagOther OTC
30.00
USD
- -
- -
22.21MMarket Cap
United Tennessee Bankshares, Inc.
UNTN
(Other OTC)

Recent

price

30.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2003
2004
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.57
4.73
8.38
8.3
7.77
7.42
7.36
7.57
7.67
7.2
6.88
7.84
9.45
9.37
8.49
- -
7.26
Revenue per Share
1.58
1.58
1.79
2
1.79
1.99
1.78
1.46
2.17
1.76
1.4
1.97
2.81
2.5
1.64
- -
1.99
Basic EPS, GAAP
2
2.02
3.95
4.34
3.71
3.14
3.19
2.91
3.42
3.02
2.71
3.54
4.2
4.15
3.06
- -
- -
Free Cash Flow per Basic Share
0.33
0.37
0.5
0.5
0.5
0.51
0.52
0.53
0.54
0.55
0.56
0.63
0.58
0.6
0.61
- -
- -
Dividend per Share
13.74
15.15
- -
17.05
18.25
19.64
26.08
27.03
28.62
29.82
30.67
31.1
34.34
35.94
37.05
- -
39.04
Book Value per Share
12.68
14.61
- -
21.15
23.24
24.54
25.09
26.24
27.05
29.85
31.83
30.45
19.94
24.79
25.54
- -
31.73
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
6
6
7
7
6
6
6
6
7
6
6
6
7
7
6
7
5
Sales/Revenue/Turnover
48.78
45.88
29.75
35.3
32.87
38.98
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
1
2
1
2
1
1
2
2
1
2
2
2
1
2
1
Net Income, GAAP
29.18
27.24
28.17
31.9
30.08
31.27
28.78
45.04
19.28
18.31
14.96
16.46
19.31
18.86
15.62
17.62
17.31
Effective Tax Rate (%)
34.55
33.38
21.37
24.04
22.98
26.79
24.18
19.24
28.25
24.51
20.33
25.15
29.73
26.63
19.31
26.71
27.34
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
17
18
- -
18
19
21
21
22
23
25
27
23
15
19
19
24
24
Total Equity
12.23
10.55
15.26
18.86
8.05
8.32
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.77
10.7
16.15
23.41
10.14
10.51
7.79
5.51
7.79
6.04
4.62
6.08
8.48
7.12
4.47
6.88
10.17
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
1
1
Market Capitalization
14
15
16

Working Capital

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
13
- -
72
Accounts Receivable, Net
- -
- -
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.9%
0.2%
23.11%
Free Cash Flow
-5.84%
-9.54%
-54.58%
Net Income, GAAP
6.23%
16.06%
59.05%
Sales/Revenue/Turnover
1.94%
5.07%
14.96%
Total Cash Common Dividend
0.85%
-0.45%
0.63%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
2
2
2
1
7
2024
2
2
2
1
6
2025
2
2
- -
2
7

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.83
0.65
0.55
- -
2.5
2024
0.39
0.49
0.44
- -
1.64
2025
0.56
0.74
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.6
2024
- -
- -
- -
- -
0.61
2025
- -
- -
- -
- -
- -
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United Bancorporation of Alabama, Inc. (UBAB)
Business
United Tennessee Bankshares, Inc. (UNTN) serves as the holding company for Newport Federal Bank, a community-focused federal savings bank that provides retail banking services to individuals and businesses primarily in Cocke County, Tennessee. Newport Federal Bank offers deposit products including checking accounts, savings accounts, money market accounts, and certificates of deposit; lending products encompassing one-to-four family residential mortgages, commercial real estate loans, consumer loans, home improvement loans, construction loans, and lines of credit; and additional services such as internet banking, debit cards, wire transfers, safe deposit boxes, and cash management. The bank maintains a portfolio of investment securities comprising U.S. government agency securities, municipal bonds, mortgage-backed securities, and corporate debt obligations. Founded in 1934 as Newport Federal Savings and Loan Association and converted to a stock institution in 1998 under United Tennessee Bankshares, Inc., the company is headquartered at 170 West Broadway in Newport, Tennessee, and operates three full-service branches in the local market area. It targets retail customers, small businesses, and local municipalities within its primary geographic footprint in eastern Tennessee. In recent developments, the company reported total assets of $251 million and deposits of $234 million as of December 31, 2022, with net income of $2.1 million; it increased its annual dividend to $0.60 per share in February 2023. Shareholders' equity stood at $15.0 million at year-end 2022 following unrealized losses on available-for-sale securities amid rising interest rates, though the bank remains well-capitalized under regulatory standards. No major acquisitions, partnerships, funding rounds, or strategic expansions have been announced in the last two years.