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United Tennessee Bankshares, Inc.
UNTNFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $12.21M | 16.0% | $1.95M | $1.04M | N/A |
| 2027 | $13.43M | 16.0% | $2.15M | $1.14M | $1.04M |
| 2028 | $14.78M | 16.0% | $2.36M | $1.26M | $1.04M |
| 2029 | $16.26M | 16.0% | $2.60M | $1.38M | $1.04M |
| 2030 | $17.88M | 16.0% | $2.86M | $1.52M | $1.04M |
| 2031 | $19.67M | 16.0% | $3.15M | $1.67M | $1.04M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.65 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $27.787 | EPS × (1 + G)^5 |
| Base P/E | 8.2 | P/E |
| Future price | $227.86 | Future EPS × P/E |
| Fair value today | $141.48 | PV @ 10.0% |
| 30% safety price | $99.036 | Margin of safety |
| 50% safety price | $70.74 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $156.90 | $161.06 | $166.73 |
| 10.0% | $152.70 | $155.76 | $159.78 |
| 11.0% | $149.39 | $151.72 | $154.68 |