United Tennessee BanksharesUNTN 52 PB Ratio is 0.87 as of Jul. 02, 2026, which is 16% above its 10-year median of 0.75. 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 1,517 Banks companies, United Tennessee Bankshares ranks better than 68.89% on this metric.
United Tennessee Bankshares Inc stock PB Ratio (=0.87) is close to 3-year high of 0.9.
The historical rank and industry rank for United Tennessee Bankshares's PB Ratio or its related term are showing as below:
UNTN'
s PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 0.75 Max: 1
Current: 0.87
During the past 13 years, United Tennessee Bankshares's highest PB Ratio was 1.00. The lowest was 0.53. And the median was 0.75.
UNTN's PB Ratio is ranked better than 68.89% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs UNTN: 0.87
During the past 12 months, United Tennessee Bankshares's average Book Value Per Share Growth Rate was 25.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -0.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Tennessee Bankshares was 25.80% per year. The lowest was -12.60% per year. And the median was 6.10% per year.
Back to Basics: PB Ratio
United Tennessee Bankshares (OTCPK:UNTN) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
United Tennessee Bankshares PB Ratio Related Terms
United Tennessee Bankshares PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Tennessee Bankshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Tennessee Bankshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
United Tennessee Bankshares (UNTN) has a PB Ratio of 0.87 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Tennessee Bankshares and its competitors. This is 16% above median its historical median of 0.75. Over the past decade, United Tennessee Bankshares' PB Ratio has ranged from 0.53 to 1.00. According to the industry distribution chart, United Tennessee Bankshares ranks #472 out of 1517 companies in the Banks industry, placing it in the top 31.1%.
Is United Tennessee Bankshares' PB Ratio too high?
United Tennessee Bankshares' current PB Ratio of 0.87 is 16% above median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 1.00. The Banks industry median PB Ratio is 1.10. United Tennessee Bankshares' value of 0.87 is 20.9% below this industry median. Based on the distribution chart, United Tennessee Bankshares ranks #472 out of 1517 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' PB Ratio compare to TDCB and MFDB?
According to the Banks industry distribution chart, United Tennessee Bankshares ranks #472 out of 1517 companies for PB Ratio. This puts United Tennessee Bankshares in the upper half of its industry. The industry median PB Ratio is 1.10. United Tennessee Bankshares' value of 0.87 is 20.9% below this benchmark. Historically, United Tennessee Bankshares' own PB Ratio has ranged from 0.53 to 1.00 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 1.10, United Tennessee Bankshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Tennessee Bankshares's current PB Ratio of 0.87 is 20.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Tennessee Bankshares and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Tennessee Bankshares's current PB Ratio is 0.87, which is 16% above median its own 10-year median of 0.75. 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 PB Ratio is 0.87, which is 16% above median its 10-year median of 0.75 and 20.9% below the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current PB Ratio is 0.87 as of Jul. 02, 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:
PB Ratio: 0.87 (16% above median its 10-year median of 0.75)
GF Value™: $19.33 vs. price of $28.00 (44.9% above fair value)
Industry Position: 20.9% below the Banks median (#472 of 1517)
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
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