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


UNTN United Tennessee Bankshares Inc UNTN
56 GF Score
Price $27.27
GF Value $19.32
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Tennessee Bankshares ROC %?

United Tennessee Bankshares UNTN 56 ROC % is % as of Dec. 2025. GuruFocus rates UNTN with a GF Score™ of 56/100 and a GF Value™ of $19.32 (Significantly Overvalued). The stock has 6 warning signs investors should review.

ROC %does not apply to banks.

UNTN
56GF Score
United Tennessee Bankshares Inc UNTN
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
United Tennessee Bankshares (UNTN) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Tennessee Bankshares and its competitors.
Is United Tennessee Bankshares' ROC % too high?
United Tennessee Bankshares' current ROC % is %. 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' ROC % compare to GOVB and MCHT?
United Tennessee Bankshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Tennessee Bankshares and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Tennessee Bankshares's current ROC % 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 $19.32, compared to a current price of $27.27 — trading 41.1% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current ROC % 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 $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:

  • ROC %: %
  • GF Value™: $19.32 vs. price of $27.27 (41.1% above fair value)
  • GF Score™: 56/100 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.
56GF Score

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

$27.27
Price
$19.32
GF Value