* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Tennessee Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United Tennessee Bankshares's FCF Margin % 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 FCF Margin % of 0.00% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Tennessee Bankshares and its competitors. Over the past decade, United Tennessee Bankshares' FCF Margin % has ranged from 14.24 to 45.17. According to the industry distribution chart, United Tennessee Bankshares ranks #958 out of 1505 companies in the Banks industry, placing it in the top 63.7%.
Is United Tennessee Bankshares' FCF Margin % too high?
United Tennessee Bankshares' current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 14.24 to a high of 45.17. Based on the distribution chart, United Tennessee Bankshares ranks #958 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, United Tennessee Bankshares has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Tennessee Bankshares' FCF Margin % compare to GOVB and MCHT?
According to the Banks industry distribution chart, United Tennessee Bankshares ranks #958 out of 1505 companies for FCF Margin %. This places United Tennessee Bankshares in the lower half of its industry. The industry median FCF Margin % is 26.42. Historically, United Tennessee Bankshares' own FCF Margin % has ranged from 14.24 to 45.17 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Tennessee Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Tennessee Bankshares's current FCF Margin % 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 $19.32, compared to a current price of $27.27 — trading 41.1% above its estimated fair value. The current FCF Margin % is 0.00%. United Tennessee Bankshares' overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current FCF Margin % 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 $27.27 is trading 41.1% above its estimated GF Value™ of $19.32.
GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.
Key valuation signals for UNTN:
FCF Margin %: 0.00%
GF Value™: $19.32 vs. price of $27.27 (41.1% 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.
56GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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