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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for United Tennessee Bankshares's Debt-to-Equity or its related term are showing as below:
UNTN's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.58 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
United Tennessee Bankshares Debt-to-Equity Related Terms
United Tennessee Bankshares Debt-to-Equity Historical Data
* 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.
UNTN vs TVLF, TDCB, CIBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, United Tennessee Bankshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, United Tennessee Bankshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where United Tennessee Bankshares's Debt-to-Equity falls into.
* 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 (UNTN) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on United Tennessee Bankshares and its competitors. According to the industry distribution chart, United Tennessee Bankshares ranks #999999 out of 1416 companies in the Banks industry.
Is United Tennessee Bankshares' Debt-to-Equity too high?
United Tennessee Bankshares' current Debt-to-Equity is 0.00. Based on the distribution chart, United Tennessee Bankshares ranks #999999 out of 1416 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Debt-to-Equity compare to TVLF and TDCB?
According to the Banks industry distribution chart, United Tennessee Bankshares ranks #999999 out of 1416 companies for Debt-to-Equity. This places United Tennessee Bankshares in the lower half of its industry. The industry median Debt-to-Equity is 0.58. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,416 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on United Tennessee Bankshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Tennessee Bankshares's current Debt-to-Equity is 0.00. 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 $19.37, compared to a current price of $30.50 — trading 57.5% above its estimated fair value. The current Debt-to-Equity is 0.00. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current Debt-to-Equity is 0.00 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 $30.50 is trading 57.5% above its estimated GF Value™ of $19.37.
GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.
Key valuation signals for UNTN:
Debt-to-Equity: 0.00
GF Value™: $19.37 vs. price of $30.50 (57.5% above fair value)
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 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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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