United Tennessee Bankshares (UNTN) Stock Price, News & Analysis

Company Overview

United Tennessee Bankshares, Inc. is a one-bank holding company based in Coalfield, Tennessee. Through its wholly owned subsidiary, United Tennessee Bank, the company operates as a community banking franchise focused on serving individuals, small businesses and agricultural producers in eastern Tennessee.

The bank’s core offerings include a full suite of deposit products—such as checking, savings and certificates of deposit—alongside lending solutions that encompass commercial real estate, agricultural and consumer loans. Additional services include treasury management, automated clearing-house (ACH) services, online and mobile banking platforms, and safe deposit box rentals, all designed to support the financial needs of local communities.

United Tennessee Bankshares maintains branch and ATM locations in Fentress, Morgan and Scott counties, leveraging local decision-making authority to deliver personalized service. Since its founding, the company has emphasized reinvestment in the region it serves, aiming to foster economic growth and financial inclusion throughout predominantly rural eastern Tennessee.

Key Stats

• Today's Range: $27.43 to $27.43
• 50-Day Range: $24.00 to $27.65
• 52-Week Range: $17.20 to $27.65
• Volume: 30 shs
• Average Volume: 252 shs
• Market Capitalization: $20.02 million
• P/E Ratio: 9.69
• Dividend Yield: 2.26%
• Price Target: N/A
• Consensus Rating: N/A

United Tennessee Bankshares Stock Analysis - MarketRank™

United Tennessee Bankshares scored higher than 52% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for United Tennessee Bankshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of United Tennessee Bankshares is 9.69, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.10.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Tennessee Bankshares is 9.69, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.92.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of United Tennessee Bankshares has been sold short.

Short Interest Ratio / Days to Cover

United Tennessee Bankshares has a short interest ratio ("days to cover") of 0.03, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Tennessee Bankshares has recently decreased by 36.67%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

United Tennessee Bankshares pays a meaningful dividend of 2.26%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

United Tennessee Bankshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of United Tennessee Bankshares is 21.91%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: N/A

News Sentiment

United Tennessee Bankshares has a news sentiment score of 0.98. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.68 average news sentiment score of Finance companies.

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Tennessee Bankshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

30.18% of the stock of United Tennessee Bankshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

United Tennessee Bankshares has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 4/13/2026
• Today: 5/26/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:UNTN
• CIK: N/A
• Web: www.newportfederalbank.com
• Phone: 423-623-6088
• Fax: 423-625-0301
• Employees: 29
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.83
• Trailing P/E Ratio: 9.69
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $1.95 million
• Net Margins: 16.63%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $12.48 million
• Price / Sales: 1.60
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 730,000
• Free Float: 508,000
• Market Cap: $20.02 million
• Optionable: Not Optionable
• Beta: -0.29