UNTN (United Tennessee Bankshares) Moat Score: 2/10 (As of Jul. 03, 2026)


UNTN United Tennessee Bankshares Inc UNTN
52 GF Score
Price $28.00
GF Value $19.33
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Tennessee Bankshares Moat Score?

United Tennessee Bankshares UNTN 52 Moat Score is 2 as of Jul. 03, 2026. GuruFocus rates UNTN with a GF Score™ of 52/100 and a GF Value™ of $19.33 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, United Tennessee Bankshares ranks better than 59.84% on this metric.

United Tennessee Bankshares has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

United Tennessee Bankshares has No Moat: United Tennessee Bankshares operates in a competitive banking sector with limited market share and no significant cost advantages. It lacks strong brand loyalty, network effects, or proprietary technology, and faces low switching costs for customers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes United Tennessee Bankshares might have No Moat - Very weak/transient advantages.

United Tennessee Bankshares  (OTCPK:UNTN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

United Tennessee Bankshares Moat Score Related Terms

UNTN vs TDCB, MFDB, CIBN: Moat Score Comparison

For the Banks - Regional subindustry, United Tennessee Bankshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, United Tennessee Bankshares's Moat Score distribution charts can be found below:

* The bar in red indicates where United Tennessee Bankshares's Moat Score falls into.


UNTN
52GF Score
United Tennessee Bankshares Inc UNTN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
United Tennessee Bankshares (UNTN) has a Moat Score of 2 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, United Tennessee Bankshares ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is United Tennessee Bankshares' Moat Score too high?
United Tennessee Bankshares' current Moat Score is 2. Based on the distribution chart, United Tennessee Bankshares ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, United Tennessee Bankshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Tennessee Bankshares' Moat Score compare to TDCB and MFDB?
According to the Banks industry distribution chart, United Tennessee Bankshares ranks #647 out of 1611 companies for Moat Score. This puts United Tennessee Bankshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. United Tennessee Bankshares's current Moat Score is 2. 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 $19.33, compared to a current price of $28.00 — trading 44.9% above its estimated fair value. The current Moat Score is 2. United Tennessee Bankshares' overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current Moat Score is 2 as of Jul. 03, 2026. 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 $28.00 is trading 44.9% above its estimated GF Value™ of $19.33. GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.

Key valuation signals for UNTN:

  • Moat Score: 2
  • GF Value™: $19.33 vs. price of $28.00 (44.9% above fair value)
  • GF Score™: 52/100 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.
52GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.00
Price
$19.33
GF Value