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The historical rank and industry rank for United Tennessee Bankshares's EV-to-FCF or its related term are showing as below:
UNTN'
s EV-to-FCF Range Over the Past 10 Years
Min: 0 Med: 0 Max: 9.31
Current: 8.45
During the past 13 years, the highest EV-to-FCF of United Tennessee Bankshares was 9.31. The lowest was 0.00. And the median was 0.00.
UNTN's EV-to-FCF is ranked worse than 54.3% of 1199
companies
in the Banks industry
Industry Median: 7.18
vs UNTN: 8.45
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Tennessee Bankshares (OTCPK:UNTN) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Tennessee Bankshares's PE Ratio (TTM) for today is calculated as:
United Tennessee Bankshares's share price for today is $29.10.
United Tennessee Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.647.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United Tennessee Bankshares EV-to-FCF Related Terms
United Tennessee Bankshares EV-to-FCF 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.
For the Banks - Regional subindustry, United Tennessee Bankshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, United Tennessee Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Tennessee Bankshares's EV-to-FCF falls into.
United Tennessee Bankshares's current Enterprise Value is $8.78 Mil.
United Tennessee Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.
* 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.
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 $29.10 is trading 50.4% above its estimated GF Value™ of $19.35.
GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.
Key valuation signals for UNTN:
EV-to-FCF:
GF Value™: $19.35 vs. price of $29.10 (50.4% 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.
52GF Score
Get the complete analysis for UNTN
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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