Stock fact sheet · data as of
United Tennessee Bankshares, Inc. (UNTN): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is UNTN undervalued?
UNTN closed at 29.00 on 16 Oct 2026, 20% below the GLS average fair value of 36.14 from 9 models (5 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 21 of the 25 Value points.
There is a wide gap between GLS Growth (1.17) and DCF (116.10). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files UNTN under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for UNTN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 116.10 | +300% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 45.47 | +57% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 45.97 | +59% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 11.40 | -61% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.17 | -96% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 40.99 | +41% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 23.26 | -20% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 9.27 | -68% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 31.66 | +9% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -241.07 | -931% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
United Tennessee Bankshares, Inc. scores only 4 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability UNTN scores 5.0/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 8.3%, ROE 8.3%, ROA 0.7% - with debt at 0.00 times equity and negative free cash flow.
The dividend yield is 2.17% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 8.3% |
|---|---|---|---|
| GLS Moat | 5.0 / 10 | ROE | 8.3% |
| Debt / equity | 0.00 | ROA | 0.7% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on United Tennessee Bankshares, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $21M, with a beta of -0.25 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 21 / 25 | 20% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 8 / 15 | moat 5.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $21M cap, beta -0.25 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for UNTN in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to United Tennessee Bankshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| GOVB Gouverneur Bancorp, Inc. | 20.49 | 14.25 | -44% | 25No options | $22M |
| TBBA TEB Bancorp, Inc | 8.09 | 5.97 | -35% | 22No options | $21M |
| CIBN Community Investors Bancorp, Inc. | 27.60 | 103.40 | +73% | 39No options | $22M |
| FIBH First Bancshares, Inc. | 38.50 | 20.31 | -90% | 15No options | $21M |
| CBHC CBC Holding Company | 28.40 | 4.00 | -610% | 15No options | $21M |
| CCYY CCCB Bancorp Inc. | 12.44 | 5.43 | -129% | 12No options | $21M |
| UNIF U & I Financial Corp. | 4.08 | 2.77 | -47% | 11No options | $22M |
| MSBB Mercer Bancorp, Inc. | 20.27 | 7,153.61 | +100% | 39No options | $21M |
| MKIN MCNB Banks, Inc. | 21.00 | 19.11 | -10% | 20No options | $23M |
| TVLF Tennessee Valley Financial Holdings, Inc. | 12.54 | 18.67 | +33% | 38No options | $23M |
| SNNF Seneca Bancorp, Inc. | 12.85 | 11.11 | -16% | 39No options | $23M |
| CNAF Commercial National Financial Corporation | 8.38 | 8.66 | +3% | 39No options | $24M |
⚖ Compare UNTN with 7 of them All Financial Services stocks →
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about UNTN
Is UNTN undervalued right now?
By the GLS models, moderately: at 29.00 the stock trades 20% below the average fair value of 36.14 (data as of 16 Oct 2026).
What is the Wheel Score of UNTN and what does it mean?
UNTN has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for UNTN?
36.14 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does United Tennessee Bankshares, Inc. report earnings next?
No upcoming earnings date is recorded for UNTN in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does UNTN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on UNTN, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.