UNTN (United Tennessee Bankshares) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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UNTN United Tennessee Bankshares Inc UNTN
50 GF Score
Price $30.00
GF Value $19.34
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Tennessee Bankshares ROC (Joel Greenblatt) %?

United Tennessee Bankshares UNTN 50 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates UNTN with a GF Score™ of 50/100 and a GF Value™ of $19.34 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 46 Banks companies, United Tennessee Bankshares ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

UNTN
50GF Score
United Tennessee Bankshares Inc UNTN
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
United Tennessee Bankshares (UNTN) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United Tennessee Bankshares and its competitors. According to the industry distribution chart, United Tennessee Bankshares ranks #999999 out of 46 companies in the Banks industry.
Is United Tennessee Bankshares' ROC (Joel Greenblatt) % too high?
United Tennessee Bankshares' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, United Tennessee Bankshares ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, United Tennessee Bankshares has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Tennessee Bankshares' ROC (Joel Greenblatt) % compare to TDCB and MFDB?
According to the Banks industry distribution chart, United Tennessee Bankshares ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places United Tennessee Bankshares in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United Tennessee Bankshares and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Tennessee Bankshares's current ROC (Joel Greenblatt) % is %. 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 $19.34, compared to a current price of $30.00 — trading 55.1% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. United Tennessee Bankshares' overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current ROC (Joel Greenblatt) % is % 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 $30.00 is trading 55.1% above its estimated GF Value™ of $19.34. GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.

Key valuation signals for UNTN:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $19.34 vs. price of $30.00 (55.1% above fair value)
  • GF Score™: 50/100 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.
50GF Score

Get the complete analysis for UNTN

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.00
Price
$19.34
GF Value