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

Company Overview

United Tennessee Bankshares (OTCMKTS:UNTN) is a bank holding company headquartered in South Pittsburg, Tennessee, serving communities across southern and middle Tennessee. Through its wholly owned subsidiary, United Tennessee Bank, the company provides a diversified array of commercial and consumer banking services tailored to the financial needs of individuals, businesses and agricultural clients. Its branch network includes locations in Marion, Hamilton and surrounding counties, reinforcing its commitment to local lending and deposit relationships.

The company’s core offerings encompass a full suite of deposit products, including checking and savings accounts, money market and certificate of deposit options. On the lending side, it extends credit through residential mortgage loans, commercial real estate financing, agricultural term loans and lines of credit, as well as consumer installment loans and home equity lines of credit. Complementing traditional banking services, United Tennessee Bank offers online and mobile banking platforms, treasury management solutions and merchant services to support the operational needs of small- and mid-sized enterprises.

Beyond lending and deposit services, United Tennessee Bankshares delivers wealth management and fiduciary services through its trust department, assisting clients with estate planning, trust administration and investment advisory solutions. The company also maintains correspondent banking partnerships, enabling expanded payment processing and liquidity management capabilities for community banks in the region.

Tracing its roots to the chartering of its flagship bank in 1902, United Tennessee Bankshares was formed as a holding company in 1983 to facilitate growth and diversification. Today, it is guided by a board of directors comprised of community and financial industry leaders, with day-to-day operations overseen by President and CEO Mark Simmons, who brings over 25 years of regional banking experience. The company continues to emphasize personalized service, strong capital management and deep community engagement as it pursues sustainable growth across its Tennessee footprint.

Key Stats

• Today's Range: $18.50 to $18.50
• 50-Day Range: $16.90 to $18.50
• 52-Week Range: $15.68 to $18.50
• Volume: 710 shs
• Average Volume: 183 shs
• Market Capitalization: $13.69 million
• P/E Ratio: 10.28
• Dividend Yield: 3.35%
• Price Target: N/A
• Consensus Rating: N/A

United Tennessee Bankshares Stock Analysis - MarketRank™

United Tennessee Bankshares scored higher than 43% 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 10.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.71.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Tennessee Bankshares is 10.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.99.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.02% 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 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

United Tennessee Bankshares pays a meaningful dividend of 3.35%, 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 34.44%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.02% 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 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 3.1 / 5
• News Sentiment: N/A

News Sentiment

United Tennessee Bankshares has a news sentiment score of 1.63. 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 0.93 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for United Tennessee Bankshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 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.

UNTN Stock Analysis - Frequently Asked Questions

How have UNTN shares performed this year?

United Tennessee Bankshares' stock was trading at $16.25 at the beginning of the year. Since then, UNTN stock has increased by 13.8% and is now trading at $18.50.

How were United Tennessee Bankshares' earnings last quarter?

United Tennessee Bankshares Inc. (OTCMKTS:UNTN) posted its quarterly earnings results on Tuesday, July, 15th. The company reported $0.74 earnings per share (EPS) for the quarter.

How do I buy shares of United Tennessee Bankshares?

Shares of UNTN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Record date for 4/30 Dividend: 3/31/2025
• Ex-Dividend for 4/30 Dividend: 3/31/2025
• Dividend Payable: 4/30/2025
• Last Earnings: 7/15/2025
• Today: 7/16/2025
• Fiscal Year End: 12/31/2025

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): $1.80
• Trailing P/E Ratio: 10.28
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $1.23 million
• Net Margins: 11.25%
• 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: $11.42 million
• Price / Sales: 1.20
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 740,000
• Free Float: 520,000
• Market Cap: $13.69 million
• Optionable: Not Optionable
• Beta: -0.15