United Tennessee Bankshares Inc

United Tennessee Bankshares maintains a capital structure with no long-term debt and a debt-to-equity ratio of 0.0, indicating a conservative leverage profile. The company's liquidity position is assessed as low, with no immediate filing-based liquidity flags detected. The return on equity of 8.91% suggests moderate profitability relative to its equity base. Profitability metrics show a net income of $1.64 million on $5.21 million in revenue, translating to a net margin of 31.5%. This is a strong performance compared to the median net margin for regional banks, which typically ranges between 15-25%. The return on equity of 8.91% is also above the industry median of 6-8% for similar-sized banks. The company's revenue is concentrated in its primary market area in Tennessee, with a focus on residential real estate loans and a limited amount of commercial and consumer loans. The investment securities portfolio is diversified across U.S. government securities, municipal bonds, corporate debt, and mortgage-backed securities, but the geographic exposure remains heavily weighted toward Tennessee. Growth trajectory is modest, with the most recent actual revenue of $5.74 million and net income of $1.64 million. The company has not disclosed specific growth targets for the next fiscal year, but the absence of long-term debt and the conservative capital structure suggest a focus on stability over aggressive expansion. Risk factors include low liquidity and low dilution potential, with no immediate filing-based flags detected. The company has not issued new shares in recent periods, and there are no indications of near-term dilution pressure. The conservative leverage profile and strong net margin provide a buffer against economic downturns, but the low liquidity rating suggests potential constraints in meeting short-term obligations. Recent events include the filing of the 10-K for the fiscal year ending 2023, which outlines the company's operations, risk factors, and financial performance. No significant regulatory or operational changes were disclosed in the latest filings, and the company remains focused on its core banking services in Tennessee.