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United Tennessee Bankshares, Inc. UNTN

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Price alert · UNTN

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27.56 USD 0.00 0.00%

At close · Oct 30

27.56 Day range 27.56
20.10 52-week range 30.50
YTD
+26.54%
1 year
+37.11%
Open
27.56
Prev close
27.56
Mkt cap
20.40M
Vol
75
Avg vol
175
EPS
3.10
P/E
8.89
More statistics
Low
27.56
High
27.56
Earnings
Apr 15, 2016

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Financial health

Altman Z-Score

0.30 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 8.2×
FY 2016: 10.7×FY 2017: 14.8×FY 2018: 9.7×FY 2019: 13.2×FY 2020: 14.0×FY 2021: 12.2×FY 2022: 7.1×FY 2023: 7.3×FY 2024: 9.9×FY 2025: 8.2×
FY 2016 5y median 8.2× FY 2025
P/S 1.3×
FY 2016: 2.2×FY 2017: 2.5×FY 2018: 2.3×FY 2019: 2.4×FY 2020: 2.2×FY 2021: 2.6×FY 2022: 1.8×FY 2023: 1.4×FY 2024: 1.1×FY 2025: 1.3×
FY 2016 5y median 1.4× FY 2025
P/B 0.7×
FY 2016: 0.8×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/FCF 15.4×
FY 2016: 5.9×FY 2017: 7.4×FY 2018: 6.1×FY 2019: 7.7×FY 2020: 7.2×FY 2021: 6.8×FY 2022: 4.8×FY 2023: 4.4×FY 2024: 5.3×FY 2025: 15.4×
FY 2016 5y median 5.3× FY 2025
EV/EBITDA 1.5×
FY 2016: 2.8×FY 2017: 5.0×FY 2018: 1.5×FY 2019: 1.3×FY 2020: 3.3×FY 2021: 1.9×FY 2022: 2.1×FY 2023: -3.8×FY 2024: -4.8×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
EV/Sales 0.3×
FY 2016: 0.9×FY 2017: 1.6×FY 2018: 0.5×FY 2019: 0.3×FY 2020: 0.7×FY 2021: 0.5×FY 2022: 0.7×FY 2023: -0.9×FY 2024: -0.7×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
FCF Yield 6.5%
FY 2016: 16.8%FY 2017: 13.5%FY 2018: 16.3%FY 2019: 13.0%FY 2020: 13.9%FY 2021: 14.8%FY 2022: 21.0%FY 2023: 22.8%FY 2024: 18.8%FY 2025: 6.5%
FY 2016 5y median 18.8% FY 2025

Profitability

Gross Margin 61.2%
FY 2016: 86.1%FY 2017: 86.1%FY 2018: 83.6%FY 2019: 75.7%FY 2020: 73.8%FY 2021: 83.1%FY 2022: 87.2%FY 2023: 70.2%FY 2024: 55.6%FY 2025: 61.2%
FY 2016 5y median 70.2% FY 2025
Operating Margin 19.4%
FY 2016: 29.2%FY 2017: 30.1%FY 2018: 29.3%FY 2019: 22.7%FY 2020: 18.3%FY 2021: 25.1%FY 2022: 32.2%FY 2023: 23.0%FY 2024: 12.7%FY 2025: 19.4%
FY 2016 5y median 23.0% FY 2025
Net Margin 16.0%
FY 2016: 20.8%FY 2017: 16.6%FY 2018: 23.6%FY 2019: 18.5%FY 2020: 15.5%FY 2021: 21.0%FY 2022: 26.0%FY 2023: 18.7%FY 2024: 10.7%FY 2025: 16.0%
FY 2016 5y median 18.7% FY 2025
ROE 8.3%
FY 2016: 7.1%FY 2017: 5.5%FY 2018: 8.0%FY 2019: 5.9%FY 2020: 4.4%FY 2021: 6.5%FY 2022: 14.1%FY 2023: 10.1%FY 2024: 6.4%FY 2025: 8.3%
FY 2016 5y median 8.3% FY 2025
ROIC 7.4%
FY 2016: 6.4%FY 2017: 5.1%FY 2018: 7.4%FY 2019: 5.5%FY 2020: 4.1%FY 2021: 5.9%FY 2022: 12.1%FY 2023: 8.9%FY 2024: 5.6%FY 2025: 7.4%
FY 2016 5y median 7.4% FY 2025
ROA 0.7%
FY 2016: 0.7%FY 2017: 0.6%FY 2018: 0.9%FY 2019: 0.7%FY 2020: 0.5%FY 2021: 0.6%FY 2022: 0.8%FY 2023: 0.7%FY 2024: 0.5%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 7.0%
FY 2016: 0.0%FY 2017: 3.7%FY 2018: 4.5%FY 2019: 4.0%FY 2020: -5.7%FY 2021: -5.2%FY 2022: 12.2%FY 2023: 24.2%FY 2024: 13.3%FY 2025: 7.0%
FY 2016 FY 2025
Operating Income 62.9%
FY 2016: -13.4%FY 2017: 6.9%FY 2018: 1.5%FY 2019: -19.3%FY 2020: -24.2%FY 2021: 30.5%FY 2022: 43.6%FY 2023: -11.1%FY 2024: -37.4%FY 2025: 62.9%
FY 2016 FY 2025
EPS (diluted) 61.6%
FY 2016: -10.6%FY 2017: -18.0%FY 2018: 48.6%FY 2019: -18.9%FY 2020: -20.5%FY 2021: 40.7%FY 2022: 42.6%FY 2023: -11.0%FY 2024: -34.4%FY 2025: 61.6%
FY 2016 FY 2025
Free Cash Flow -54.6%
FY 2016: 1.8%FY 2017: -8.1%FY 2018: 17.8%FY 2019: -11.6%FY 2020: -10.6%FY 2021: 18.9%FY 2022: 15.6%FY 2023: -0.6%FY 2024: -27.0%FY 2025: -54.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.3×
FY 2016 5y median 0.6× FY 2025
Quick Ratio 0.3×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.3×
FY 2016 5y median 0.6× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -5.0×
FY 2016: -4.3×FY 2017: -2.7×FY 2018: -5.9×FY 2019: -8.6×FY 2020: -7.5×FY 2021: -7.7×FY 2022: -3.4×FY 2023: -9.5×FY 2024: -12.6×FY 2025: -5.0×
FY 2016 5y median -7.7× FY 2025
Interest Coverage 0.5×
FY 2016: 2.1×FY 2017: 2.2×FY 2018: 1.8×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 1.5×FY 2022: 2.5×FY 2023: 0.8×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 2.7%FY 2017: 2.5%FY 2018: 2.6%FY 2019: 2.4%FY 2020: 2.9%FY 2021: 2.6%FY 2022: 2.9%FY 2023: 3.3%FY 2024: 3.8%FY 2025: 2.9%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 23.7%
FY 2016: 29.3%FY 2017: 36.4%FY 2018: 24.9%FY 2019: 31.2%FY 2020: 40.1%FY 2021: 31.9%FY 2022: 20.6%FY 2023: 24.1%FY 2024: 37.4%FY 2025: 23.7%
FY 2016 5y median 24.1% FY 2025

Annual · latest fiscal year ends 2025-12-31