United Tennessee Bankshares, Inc. (UNTN)

UNTN Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Apr 25, 2025	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Market Capitalization	13	24	23	20	15	11
Market Cap Growth	2.78%	2.78%	15.02%	33.05%	35.03%	-0.87%
Last Close Price	16.90	11.24	10.21	8.39	5.83	4.10
PE Ratio	12.25	15.25	14.23	12.16	8.66	10.17
PS Ratio	2.22	4.25	4.14	3.59	2.84	2.78
PB Ratio	0.69	1.32	1.27	1.20	0.96	0.80
P/FCF Ratio	-	-	16.69	9.62	10.51	8.55
P/OCF Ratio	-	-	10.61	9.08	7.56	8.01
Debt / Equity Ratio	0.06	0.06	0.05	-	-	-
Debt / FCF Ratio	-	-	0.72	-	-	-
Return on Equity (ROE)	8.60%	8.60%	9.29%	10.18%	11.71%	8.08%
Return on Assets (ROA)	-	-	1.37%	1.46%	1.66%	1.11%
Earnings Yield	12.54%	6.56%	7.03%	8.22%	11.54%	9.83%
FCF Yield	-	-	5.99%	10.39%	9.52%	11.70%
Dividend Yield	3.67%	-	3.52%	3.93%	5.15%	7.32%
Payout Ratio	-	-	26.99%	25.16%	22.57%	37.30%
Buyback Yield / Dilution	-1.39%	-1.39%	-1.62%	-2.49%	20.30%	2.04%
Total Shareholder Return	2.28%	-1.39%	1.90%	1.44%	25.45%	9.37%

Updated Jan 20, 2006. Source: S&P Global Market Intelligence. Banks template. Financial Sources.