OTCPK:UNTN

Stock Analysis Report

United Tennessee Bankshares

Executive Summary

United Tennessee Bankshares, Inc. operates as the holding company for Newport Federal Bank that provides various financial services to individuals and corporate customers in Newport, Tennessee.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • United Tennessee Bankshares has significant price volatility in the past 3 months.
  • United Tennessee Bankshares's last earnings update was 4960 days ago.
  • United Tennessee Bankshares is not covered by any analysts.

Share Price & News

How has United Tennessee Bankshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-7.9%

OTCPK:UNTN

0.9%

US Mortgage

0.2%

US Market


1 Year Return

-3.9%

OTCPK:UNTN

-2.0%

US Mortgage

-0.7%

US Market

UNTN underperformed the Mortgage industry which returned -0.3% over the past year.

UNTN underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

UNTNIndustryMarket
7 Day-7.9%0.9%0.2%
30 Day-1.8%-1.9%-2.7%
90 Dayn/a-0.4%1.6%
1 Year-1.4%-3.9%0.05%-2.0%1.6%-0.7%
3 Yearn/a32.3%23.5%40.0%30.9%
5 Yearn/a56.8%40.3%53.8%36.8%

Price Volatility Vs. Market

How volatile is United Tennessee Bankshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is United Tennessee Bankshares undervalued based on future cash flows and its price relative to the stock market?


In this section, we usually try to help investors determine whether United Tennessee Bankshares is trading at an attractive price based on the cash flow it is expected to produce in the future. But as United Tennessee Bankshares has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of UNTN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through United Tennessee Bankshares regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is United Tennessee Bankshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.3%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as United Tennessee Bankshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of UNTN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access United Tennessee Bankshares's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has United Tennessee Bankshares performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, United Tennessee Bankshares has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is United Tennessee Bankshares's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse United Tennessee Bankshares's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. United Tennessee Bankshares has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of UNTN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when United Tennessee Bankshares's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is United Tennessee Bankshares's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate United Tennessee Bankshares's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate United Tennessee Bankshares's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as United Tennessee Bankshares has not reported any payouts.

Unable to verify if United Tennessee Bankshares's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as United Tennessee Bankshares has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of United Tennessee Bankshares's salary, the management and board of directors tenure and is there insider trading?

1.3yrs

Average management tenure


CEO

Chris Triplett (53yo)

9.1yrs

Tenure

0

Mr. Chris H. Triplett serves as President and Chief Executive Officer of United Tennessee Bankshares Inc and Newport Federal Bank. Mr. Triplett has been with Newport Federal Bank since 2001. He began his c ...


Management Age and Tenure

1.3yrs

Average Tenure

The average tenure for the United Tennessee Bankshares management team is less than 2 years, this suggests a new team.


Board Age and Tenure

21.6yrs

Average Tenure

63.5yo

Average Age

The average tenure for the United Tennessee Bankshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Lonnie Jones (75yo)

    Senior Vice-President

    • Tenure: 1.3yrs
  • Chris Triplett (53yo)

    President

    • Tenure: 9.1yrs
  • Thomas Rush

    Senior Vice-President

    • Tenure: 1.3yrs

Board Members

  • J. Myers (78yo)

    Chairman of the Board

    • Tenure: 22.6yrs
  • Richard Harwood (73yo)

    Director

    • Tenure: 22.6yrs
    • Compensation: US$200.70k
  • Ben Hooper (54yo)

    Director

    • Tenure: 21.6yrs
    • Compensation: US$1.55k
  • Robert Overlholt (76yo)

    Director

    • Tenure: 22.6yrs
  • Tommy Bible (65yo)

    Director

    • Tenure: 21.6yrs
    • Compensation: US$1.55k
  • Chris Triplett (53yo)

    President

    • Tenure: 9.1yrs
  • Tom Inman (62yo)

    Director & Director of Newport Federal Bank

    • Tenure: 0.0yrs
  • Mitchell Webb (51yo)

    Director

    • Tenure: 7.6yrs

Company Information

United Tennessee Bankshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: United Tennessee Bankshares, Inc.
  • Ticker: UNTN
  • Exchange: OTCPK
  • Founded: 1934
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$18.277m
  • Shares outstanding: 827.00k
  • Website: https://www.newportfederalbank.com

Location

  • United Tennessee Bankshares, Inc.
  • 170 W Broadway
  • Newport
  • Tennessee
  • 37821
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UNTNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 1998

Biography

United Tennessee Bankshares, Inc. operates as the holding company for Newport Federal Bank that provides various financial services to individuals and corporate customers in Newport, Tennessee. The company ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 23:43
End of Day Share Price2019/08/14 00:00
Earnings2005/12/31
Annual Earnings2005/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.