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United Tennessee Bankshares, Inc (UNTN) Fair Value & Analysis

Financial Services · US · Market cap $20.2M

Price$28.00
Fair Value$34.85
Upside+24.5%
Quality95/100
Evidence: High Range $26.14 – $43.56

Fair value as of: Jun 26, 2026

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Analysis

United Tennessee Bankshares, Inc (UNTN) currently trades at $28.00, while our model-based Fair Value estimate is $34.85 — implying the stock looks roughly 24.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

United Tennessee Bankshares, Inc. operates as the holding company for Newport Federal Bank that provides various financial services to individuals and corporate customers. The company accepts interest-bearing checking, savings, NOW, value checking, priority club checking, passbook savings, money market, and individual retirement accounts, as well as certificates of deposit. It offers one-to-four family first mortgage, consumer, car, secured/unsecured, home improvement, new construction, debt consolidation, and commercial real estate loans; and lines of credit, remodeling, loans of deposits, and land refinancing. The company also provides investment securities portfolio consists of the U.S. government corporations and agency securities, municipal bonds of governmental entities, corporate debt, and mortgage-backed securities, as well as obligations of states and political subdivisions; and internet banking services. In addition, it offers direct teller, notary, sweep accounts, ATMs, c…

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Frequently asked questions

Is United Tennessee Bankshares, Inc (UNTN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $34.85 versus a price of $28.00 — about +24% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UNTN?
Our 21-model fair value for United Tennessee Bankshares, Inc is $34.85 (as of Jun 26, 2026), built from audited fundamentals. The current price is $28.00.
What is the quality score of UNTN?
United Tennessee Bankshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.