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United Tennessee BanksharesUNTN +1.11%52 5-Year Yield-on-Cost % is 2.32 as of Jul. 25, 2026, which is 27% below its 10-year median of 3.16. GuruFocus rates UNTN with a GF Score™ of 52/100 and a GF Value™ of $19.34 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,250 Banks companies, United Tennessee Bankshares ranks worse than 76.48% on this metric.
The historical rank and industry rank for United Tennessee Bankshares's 5-Year Yield-on-Cost % or its related term are showing as below:
UNTN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.31 Med: 3.16 Max: 4.25
Current: 2.32
During the past 13 years, United Tennessee Bankshares's highest Yield on Cost was 4.25. The lowest was 2.31. And the median was 3.16.
UNTN's 5-Year Yield-on-Cost % is ranked worse than 76.48% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs UNTN: 2.32
United Tennessee Bankshares (OTCPK:UNTN) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
United Tennessee Bankshares 5-Year Yield-on-Cost % Related Terms
UNTN vs TDCB, MFDB, CIBN: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, United Tennessee Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, United Tennessee Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Tennessee Bankshares's 5-Year Yield-on-Cost % falls into.
United Tennessee Bankshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
United Tennessee Bankshares (UNTN) has a 5-Year Yield-on-Cost % of 2.32 as of Jul. 25, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Tennessee Bankshares and its competitors. This is 27% below median its historical median of 3.16. Over the past decade, United Tennessee Bankshares' 5-Year Yield-on-Cost % has ranged from 2.31 to 4.25. According to the industry distribution chart, United Tennessee Bankshares ranks #956 out of 1250 companies in the Banks industry, placing it in the top 76.5%.
Is United Tennessee Bankshares' 5-Year Yield-on-Cost % too high?
United Tennessee Bankshares' current 5-Year Yield-on-Cost % of 2.32 is 27% below median its 10-year median of 3.16. Over the past 10 years, this metric has ranged from a low of 2.31 to a high of 4.25. The Banks industry median 5-Year Yield-on-Cost % is 3.89. United Tennessee Bankshares' value of 2.32 is 40.3% below this industry median. Based on the distribution chart, United Tennessee Bankshares ranks #956 out of 1250 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' 5-Year Yield-on-Cost % compare to TDCB and MFDB?
According to the Banks industry distribution chart, United Tennessee Bankshares ranks #956 out of 1250 companies for 5-Year Yield-on-Cost %. This places United Tennessee Bankshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. United Tennessee Bankshares' value of 2.32 is 40.3% below this benchmark. Historically, United Tennessee Bankshares' own 5-Year Yield-on-Cost % has ranged from 2.31 to 4.25 over the past decade. While the company's 10-year median is 3.16 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Tennessee Bankshares's current 5-Year Yield-on-Cost % of 2.32 is 40.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Tennessee Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Tennessee Bankshares's current 5-Year Yield-on-Cost % is 2.32, which is 27% below median its own 10-year median of 3.16. 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 $30.33 — trading 56.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.32, which is 27% below median its 10-year median of 3.16 and 40.3% below the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For United Tennessee Bankshares (UNTN), the current 5-Year Yield-on-Cost % is 2.32 as of Jul. 25, 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 $30.33 is trading 56.8% above its estimated GF Value™ of $19.34.
GuruFocus considers United Tennessee Bankshares to be Significantly Overvalued.
Key valuation signals for UNTN:
5-Year Yield-on-Cost %: 2.32 (27% below median its 10-year median of 3.16)
GF Value™: $19.34 vs. price of $30.33 (56.8% above fair value)
Industry Position: 40.3% below the Banks median (#956 of 1250)
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
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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