OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
United Tennessee Bankshares OCF Yield % Explanation
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
United Tennessee Bankshares OCF Yield % Related Terms
United Tennessee Bankshares OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United Tennessee Bankshares's OCF Yield % distribution charts can be found below:
* The bar in red indicates where United Tennessee Bankshares's OCF Yield % 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 OCF Yield % of 5.41 as of Jun. 29, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Tennessee Bankshares and its competitors. Over the past decade, United Tennessee Bankshares' OCF Yield % has ranged from 5.41 to 5.41. According to the industry distribution chart, United Tennessee Bankshares ranks #986 out of 1505 companies in the Banks industry, placing it in the top 65.5%.
Is United Tennessee Bankshares' OCF Yield % too high?
United Tennessee Bankshares' current OCF Yield % is 5.41. Over the past 10 years, this metric has ranged from a low of 5.41 to a high of 5.41. The Banks industry median OCF Yield % is 9.32. United Tennessee Bankshares' value of 5.41 is 42% below this industry median. Based on the distribution chart, United Tennessee Bankshares ranks #986 out of 1505 companies in the Banks industry, which is below 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' OCF Yield % compare to TDCB and MFDB?
According to the Banks industry distribution chart, United Tennessee Bankshares ranks #986 out of 1505 companies for OCF Yield %. This places United Tennessee Bankshares in the lower half of its industry. The industry median OCF Yield % is 9.32. United Tennessee Bankshares' value of 5.41 is 42% below this benchmark. Historically, United Tennessee Bankshares' own OCF Yield % has ranged from 5.41 to 5.41 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.32, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Tennessee Bankshares's current OCF Yield % of 5.41 is 42% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Tennessee Bankshares and its competitors. For the Banks industry, the median OCF Yield % is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Tennessee Bankshares's current OCF Yield % is 5.41. 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 $28.00 — trading 44.9% above its estimated fair value. The current OCF Yield % is 5.41 and 42% below the Banks industry median of 9.32. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current OCF Yield % is 5.41 as of Jun. 29, 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 $19.32.
GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.
Key valuation signals for UNTN:
OCF Yield %: 5.41
GF Value™: $19.32 vs. price of $28.00 (44.9% above fair value)
Industry Position: 42% below the Banks median (#986 of 1505)
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
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OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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