UNTN (United Tennessee Bankshares) Scaled Net Operating Assets: -0.18 (As of Dec. 2025)


UNTN United Tennessee Bankshares Inc UNTN
52 GF Score
Price $28.00
GF Value $19.32
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Tennessee Bankshares Scaled Net Operating Assets?

United Tennessee Bankshares UNTN 52 Scaled Net Operating Assets is -0.18 as of Dec. 2025. GuruFocus rates UNTN with a GF Score™ of 52/100 and a GF Value™ of $19.32 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United Tennessee Bankshares's operating assets for the quarter that ended in Dec. 2025 was $203.22 Mil. United Tennessee Bankshares's operating liabilities for the quarter that ended in Dec. 2025 was $251.29 Mil. United Tennessee Bankshares's Total Assets for the quarter that ended in Sep. 2025 was $274.29 Mil. Therefore, United Tennessee Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.18.

UNTN
52GF Score
United Tennessee Bankshares Inc UNTN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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United Tennessee Bankshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United Tennessee Bankshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(262.425-251.294)/270.778
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=274.804 - 12.379
=262.425

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=251.294 - 0 - 0
=251.294

United Tennessee Bankshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(203.223-251.294)/274.289
=-0.18

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=274.804 - 71.581
=203.223

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=251.294 - 0 - 0
=251.294

* 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.

What does a Scaled Net Operating Assets of -0.18 mean?
United Tennessee Bankshares (UNTN) has a Scaled Net Operating Assets of -0.18 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United Tennessee Bankshares and its competitors.
Is United Tennessee Bankshares' Scaled Net Operating Assets too high?
United Tennessee Bankshares' current Scaled Net Operating Assets is -0.18. 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' Scaled Net Operating Assets compare to TDCB and MFDB?
United Tennessee Bankshares' Scaled Net Operating Assets of -0.18 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United Tennessee Bankshares and its competitors. United Tennessee Bankshares's current Scaled Net Operating Assets is -0.18. 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 Scaled Net Operating Assets is -0.18. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current Scaled Net Operating Assets is -0.18 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 $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:

  • Scaled Net Operating Assets: -0.18
  • GF Value™: $19.32 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

Get the complete analysis for UNTN

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.00
Price
$19.32
GF Value