United Tennessee Bankshares, Inc. (UNTN)
ValueMarkers Composite Index
84% below intrinsic value ($153)
United Tennessee Bankshares, Inc. (UNTN) — VMCI valuation read
Composite valuation read on UNTN: VMCI 63/100 against a Financial Services sector median of 50. The 13-point above-median print is the headline number for United Tennessee Bankshares, Inc., and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for UNTN: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on UNTN: UNTN trades at 19.0x earnings, 6% above the Financial Services median of 18.0x; ROIC of 13.0% sits 3.0pp above the Financial Services median (10.0%); net debt to EBITDA of -1.5x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
UNTN rose 0.4% over the trailing 7 days, with a +3.2% read on a 30-day basis.
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Key metrics explained
Definitions, formulas, and how ValueMarkers calculates each indicator used in UNTN’s VM Score.
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