Tennessee Valley Financial Holdings Inc (TVLF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Tennessee Valley Financial Holdings Inc stock $13.43, price $12.00, upside +11.9%, quality 50 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $1.39 – $12.65 · fair‑value band $10.07 – $16.78 · the $12.00 price screens below the $13.43 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Tennessee Valley Financial Holdings, Inc. operates as the bank holding company for TNBank that provides various financial services to individual and corporate customers.
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The company offers checking accounts, savings accounts, money market investment accounts, certificates of deposit, and individual retirement accounts. It also provides commercial, residential, and consumer loans; and mortgage products.
In addition, the company offers remote deposit capture, a Web-based solution for businesses to make check deposits; and merchant services, such as credit and debit card processing, electronic gift card program, electronic check services, and Internet processing services.
Further, it provides credit/debit cards, ACH payroll services, mobile, online, and telephone banking services. The company was incorporated for 1994 and is based in Oak Ridge, Tennessee.
Stock analysis
Tennessee Valley Financial Holdings Inc (TVLF) currently trades at $12.00, while our model-based Fair Value estimate is $13.43, implying the stock looks roughly 11% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $13.93 per share, and 2 of the 6 models we run sit above the $12.00 price.
Bear case: the Dividend Discount group reads lowest at $4.19, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $10.07 (bear) to $16.78 (bull), the price of $12.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Tennessee Valley Financial Holdings Inc reported revenue of $17.4M in FY2025 versus $12.8M in FY2021, a compound +8.0%/yr. Reported net income was $2.8M in FY2025, compounding −4.0%/yr from FY2021.
Key figures
Market cap $22.0M Micro · P/E ratio 7.9 · P/S ratio 1.27 · EPS (TTM) $1.51 · Net margin 15.9% · Return on equity 0.5% · Return on assets (EBIT) 1.2% (5-year average) · Operating margin 514%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 25 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 12%, TVLF screens cheaper than that median.
Fair Value models
Bear$10.07Fair Value $13.43Bull$16.78
Price $12.00 · Upside +11.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($1.51 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.83/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.9%
Start year 2020 (pandemic). Over 10 years: −47.5% a year
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
≈ +9.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +9.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 9.7% / −51.5%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 21%
⚠ Revenue per share shrinking 53.8%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 0.95 per share, median 2124 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 2/9 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside+11.9% · Top 25%
Profitability
Return on equity (12 months)0.5% · Bottom 25%
Return on assets0.9% · Below median
Net margin (12 months)1.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)0.0% · Bottom 25%
Dividend yield (12 months)0.0% · Bottom 25%
Balance sheet
Debt / equity0.64× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)7.9× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)49· sector 8
FUTURE (revenue growth)0· sector 47
PAST (return on equity)2· sector 43
HEALTH (low debt)–
DIVIDEND (yield)0· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Tennessee Valley Financial Holdings Inc Fair Value". https://www.fairvalue-calculator.com/stock/TVLF
Frequently asked questions
Is Tennessee Valley Financial Holdings Inc (TVLF) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $13.43 versus a price of $12.00, about +12% upside (undervalued).
What is the fair value of TVLF?
Our model-based fair value for Tennessee Valley Financial Holdings Inc is $13.43 (as of Nov 8, 2026), built from audited fundamentals. The current price: $12.00.
What is the quality score of TVLF?
Tennessee Valley Financial Holdings Inc has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Tennessee Valley Financial Holdings Inc (TVLF)?
Our model-based price target is the fair value of $13.43 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $10.07, optimistic scenario $16.78. It is a calculation from audited fundamentals, not an analyst target.
What is the Tennessee Valley Financial Holdings Inc stock forecast for 2026?
Our models put fair value at $13.43, about +12% upside versus a price of $12.00 (undervalued). Cautious scenario $10.07, optimistic scenario $16.78. The calculation is refreshed regularly with new filings.
What is the revenue of Tennessee Valley Financial Holdings Inc (TVLF)?
Tennessee Valley Financial Holdings Inc reported trailing-twelve-month revenue of about $6.3M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Tennessee Valley Financial Holdings Inc (TVLF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Tennessee Valley Financial Holdings Inc it is $13.43 per share (as of Nov 8, 2026), against a price of $12.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Tennessee Valley Financial Holdings Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, TVLF trades below its calculated fair value: price $12.00, fair value $13.43, a gap of about +12% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TVLF?
No. The price is what the market pays today ($12.00); the fair value is what the company's own numbers justify ($13.43). For Tennessee Valley Financial Holdings Inc the two are $1.43 per share apart. That gap is exactly why we show both numbers side by side.
How much is Tennessee Valley Financial Holdings Inc worth?
The market values Tennessee Valley Financial Holdings Inc at about $22.0M (market capitalisation, as of Nov 8, 2026). Per share that is $12.00; our models calculate a fair value of $13.43 per share.
What do the bullish and bearish scenarios say about TVLF?
Our models span a range for Tennessee Valley Financial Holdings Inc: cautious scenario $10.07, base $13.43, optimistic $16.78 per share (as of Nov 8, 2026, price $12.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TVLF?
Tennessee Valley Financial Holdings Inc trades at a price-to-earnings ratio of 7.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.43 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 5.0.
How solid is the balance sheet of Tennessee Valley Financial Holdings Inc (TVLF)?
Balance-sheet figures for Tennessee Valley Financial Holdings Inc (as of Nov 8, 2026): return on equity 0.5%, debt of 0.64 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is TVLF from its 52-week high?
Tennessee Valley Financial Holdings Inc trades at $12.00, about 5% below its 52-week high of $12.65 and 51% above the low of $7.95 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $13.43 is for.
Which stocks are comparable to Tennessee Valley Financial Holdings Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Tennessee Valley Financial Holdings Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $12.00, calculated fair value $13.43 (+12%), Quality Score 50/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TVLF calculated?
We run Tennessee Valley Financial Holdings Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $13.43 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Tennessee Valley Financial Holdings Inc currently trades 11% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Tennessee Valley Financial Holdings Inc (TVLF)?
The closing price on Nov 6, 2026 was $12.00. Our model-based fair value is $13.43, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Tennessee Valley Financial Holdings Inc right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Tennessee Valley Financial Holdings Inc (TVLF) come from?
Earnings per share at Tennessee Valley Financial Holdings Inc grew −54.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share −58.1 %, EBIT margin +2.1 %, tax rate −2.8 %, residual (interest, one-offs) +8.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Tennessee Valley Financial Holdings Inc
How large is the market capitalisation of Tennessee Valley Financial Holdings Inc (TVLF)?
The market capitalisation of Tennessee Valley Financial Holdings Inc is $22.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Tennessee Valley Financial Holdings Inc (TVLF)?
The price-to-sales ratio of Tennessee Valley Financial Holdings Inc is 1.27 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Tennessee Valley Financial Holdings Inc (TVLF)?
Earnings per share at Tennessee Valley Financial Holdings Inc are $1.51 (price ÷ EPS = P/E 7.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Tennessee Valley Financial Holdings Inc (TVLF)?
The net margin of Tennessee Valley Financial Holdings Inc is 15.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Tennessee Valley Financial Holdings Inc (TVLF)?
The return on equity (ROE) of Tennessee Valley Financial Holdings Inc is 0.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Tennessee Valley Financial Holdings Inc (TVLF)?
On an EBIT basis the return on assets of Tennessee Valley Financial Holdings Inc is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Tennessee Valley Financial Holdings Inc (TVLF)?
The operating margin of Tennessee Valley Financial Holdings Inc is 514% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does Tennessee Valley Financial Holdings Inc (TVLF) generate?
The free cash flow of Tennessee Valley Financial Holdings Inc is $2.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Tennessee Valley Financial Holdings Inc (TVLF) carry?
The net debt of Tennessee Valley Financial Holdings Inc is $1.5M (fiscal year 2025, ≈ 0.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 8, 2026