UNTN (United Tennessee Bankshares) Tariff Resilience Score: 9/10 (As of Jul. 07, 2026)


UNTN United Tennessee Bankshares Inc UNTN
50 GF Score
Price $29.65
GF Value $19.33
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Tennessee Bankshares Tariff Resilience Score?

United Tennessee Bankshares UNTN +5.89% 50 Tariff Resilience Score is 9 as of Jul. 07, 2026. GuruFocus rates UNTN with a GF Score™ of 50/100 and a GF Value™ of $19.33 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,608 Banks companies, United Tennessee Bankshares ranks better than 99.25% on this metric.

United Tennessee Bankshares has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

United Tennessee Bankshares has As a regional bank, United Tennessee Bankshares has minimal direct exposure to international trade tariffs. Its operations are primarily domestic, with no significant reliance on global supply chains or import/export activities, resulting in high tariff resilience.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes United Tennessee Bankshares might have Highly Resilient.

United Tennessee Bankshares  (OTCPK:UNTN) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

United Tennessee Bankshares Tariff Resilience Score Related Terms

UNTN vs TDCB, MFDB, CIBN: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, United Tennessee Bankshares's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, United Tennessee Bankshares's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where United Tennessee Bankshares's Tariff Resilience Score falls into.


UNTN
50GF Score
United Tennessee Bankshares Inc UNTN
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
United Tennessee Bankshares (UNTN) has a Tariff Resilience Score of 9 as of Jul. 07, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, United Tennessee Bankshares ranks #12 out of 1608 companies in the Banks industry, placing it in the top 0.7%.
Is United Tennessee Bankshares' Tariff Resilience Score too high?
United Tennessee Bankshares' current Tariff Resilience Score is 9. Based on the distribution chart, United Tennessee Bankshares ranks #12 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position 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' Tariff Resilience Score compare to TDCB and MFDB?
According to the Banks industry distribution chart, United Tennessee Bankshares ranks #12 out of 1608 companies for Tariff Resilience Score. This places United Tennessee Bankshares in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. United Tennessee Bankshares's current Tariff Resilience Score is 9. 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 $29.65 — trading 53.4% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current Tariff Resilience Score is 9 as of Jul. 07, 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 $29.65 is trading 53.4% above its estimated GF Value™ of $19.33. GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.

Key valuation signals for UNTN:

  • Tariff Resilience Score: 9
  • GF Value™: $19.33 vs. price of $29.65 (53.4% 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

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

$29.65
Price
$19.33
GF Value