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Tennessee Valley Financial Holdings (TVLF) Fair Value & Analysis

Financial Services · US · Market cap $18.3M

Price$10.00
Fair Value$19.66
Upside+96.6%
Quality95/100
Evidence: High Range $14.75 – $24.58

Fair value as of: Jun 26, 2026

Analysis

Tennessee Valley Financial Holdings (TVLF) currently trades at $10.00, while our model-based Fair Value estimate is $19.66 — implying the stock looks roughly 96.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Tennessee Valley Financial Holdings, Inc. operates as the bank holding company for TNBank that provides various financial services to individual and corporate customers. 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.

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Frequently asked questions

Is Tennessee Valley Financial Holdings (TVLF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $19.66 versus a price of $10.00 — about +97% (undervalued). Model-based estimate, not financial advice.
What is the fair value of TVLF?
Our 21-model fair value for Tennessee Valley Financial Holdings is $19.66 (as of Jun 26, 2026), built from audited fundamentals. The current price is $10.00.
What is the quality score of TVLF?
Tennessee Valley Financial Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.