UNTN (United Tennessee Bankshares) Cyclically Adjusted Revenue per Share: $9.56 (As of Dec. 2025)

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UNTN United Tennessee Bankshares Inc UNTN
50 GF Score
Price $30.00
GF Value $19.34
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Tennessee Bankshares Cyclically Adjusted Revenue per Share?

United Tennessee Bankshares UNTN 50 Cyclically Adjusted Revenue per Share is $9.56 as of Dec. 2025. GuruFocus rates UNTN with a GF Score™ of 50/100 and a GF Value™ of $19.34 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

United Tennessee Bankshares's adjusted revenue per share for the three months ended in Dec. 2025 was $2.085. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $9.56 for the trailing ten years ended in Dec. 2025.

During the past 12 months, United Tennessee Bankshares's average Cyclically Adjusted Revenue Growth Rate was 2.20% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 3.60% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 5.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of United Tennessee Bankshares was 8.20% per year. The lowest was 3.60% per year. And the median was 7.00% per year.

As of today (2026-07-18), United Tennessee Bankshares's current stock price is $30.00. United Tennessee Bankshares's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 was $9.56. United Tennessee Bankshares's Cyclically Adjusted PS Ratio of today is 3.14.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Tennessee Bankshares was 3.72. The lowest was 1.71. And the median was 2.94.


United Tennessee Bankshares  (OTCPK:UNTN) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

United Tennessee Bankshares's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=30.00/9.56
=3.14

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Tennessee Bankshares was 3.72. The lowest was 1.71. And the median was 2.94.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


United Tennessee Bankshares Cyclically Adjusted Revenue per Share Related Terms


United Tennessee Bankshares Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for United Tennessee Bankshares's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Tennessee Bankshares Cyclically Adjusted Revenue per Share Chart

United Tennessee Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.85 8.59 9.09 9.35 9.56

United Tennessee Bankshares Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.35 9.45 9.57 9.63 9.56

UNTN vs TDCB, MFDB, CIBN: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, United Tennessee Bankshares's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


United Tennessee Bankshares Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, United Tennessee Bankshares's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where United Tennessee Bankshares's Cyclically Adjusted PS Ratio falls into.


UNTN
50GF Score
United Tennessee Bankshares Inc UNTN
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Tennessee Bankshares Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, United Tennessee Bankshares's adjusted Revenue per Share data for the three months ended in Dec. 2025 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=2.085/324.0540*324.0540
=2.085

Current CPI (Dec. 2025) = 324.0540.

United Tennessee Bankshares Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201509 1.841 237.945 2.507
201512 1.770 236.525 2.425
201603 1.868 238.132 2.542
201609 1.882 241.428 2.526
201612 1.697 241.432 2.278
201706 1.921 244.955 2.541
201709 1.998 246.819 2.623
201712 1.761 246.524 2.315
201803 1.943 249.554 2.523
201806 1.981 251.989 2.548
201809 1.937 252.439 2.487
201812 1.783 251.233 2.300
201903 1.934 254.202 2.465
201906 1.873 256.143 2.370
201909 1.763 256.759 2.225
201912 1.613 256.974 2.034
202003 1.736 258.115 2.179
202006 1.760 257.797 2.212
202009 1.726 260.280 2.149
202012 1.659 260.474 2.064
202103 1.832 264.877 2.241
202106 2.059 271.696 2.456
202109 2.054 274.310 2.426
202112 1.881 278.802 2.186
202203 2.142 287.504 2.414
202206 2.342 296.311 2.561
202209 2.497 296.808 2.726
202212 2.458 296.797 2.684
202303 2.674 301.836 2.871
202306 2.434 305.109 2.585
202309 2.323 307.789 2.446
202312 1.939 306.746 2.048
202403 2.120 312.332 2.200
202406 2.205 314.175 2.274
202409 2.173 315.301 2.233
202412 1.927 315.605 1.979
202503 2.470 319.799 2.503
202506 2.744 322.561 2.757
202509 2.604 324.800 2.598
202512 2.085 324.054 2.085

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $9.56 mean?
United Tennessee Bankshares (UNTN) has a Cyclically Adjusted Revenue per Share of $9.56 as of Dec. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Tennessee Bankshares and its competitors.
Is United Tennessee Bankshares' Cyclically Adjusted Revenue per Share too high?
United Tennessee Bankshares' current Cyclically Adjusted Revenue per Share is $9.56. Overall, United Tennessee Bankshares has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Tennessee Bankshares' Cyclically Adjusted Revenue per Share compare to TDCB and MFDB?
United Tennessee Bankshares' Cyclically Adjusted Revenue per Share of $9.56 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Tennessee Bankshares and its competitors. United Tennessee Bankshares's current Cyclically Adjusted Revenue per Share is $9.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Tennessee Bankshares stock overvalued right now?
Based on GuruFocus' analysis, United Tennessee Bankshares (UNTN) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.34, compared to a current price of $30.00 — trading 55.1% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $9.56. United Tennessee Bankshares' overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current Cyclically Adjusted Revenue per Share is $9.56 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United Tennessee Bankshares (UNTN) Overvalued in 2026?

Based on GuruFocus' analysis, United Tennessee Bankshares stock appears to be overvalued. The current stock price of $30.00 is trading 55.1% above its estimated GF Value™ of $19.34. GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.

Key valuation signals for UNTN:

  • Cyclically Adjusted Revenue per Share: $9.56
  • GF Value™: $19.34 vs. price of $30.00 (55.1% above fair value)
  • GF Score™: 50/100 with 6 warning signs

No single metric tells the full story. See the UNTN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


United Tennessee Bankshares Business Description

Address 170 W. Broadway, Newport, TN, USA, 37821-2325
United Tennessee Bankshares Inc is the holding company. Through its banking subsidiary, it provides a variety of financial services to individuals and corporate customers through its three offices in Newport, Tennessee. The Group's primary deposit products are interest-bearing checking and savings accounts and certificates of deposit. Its primary lending products are one-to-four family first mortgage loans.
50GF Score

Get the complete analysis for UNTN

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.00
Price
$19.34
GF Value