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During the past 12 months, Tennessee Valley Financial Holdings's average Book Value Per Share Growth Rate was 20.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Tennessee Valley Financial Holdings was 14.40% per year. The lowest was -4.70% per year. And the median was -2.00% per year.
During the past 7 years, the highest P/B Ratio of Tennessee Valley Financial Holdings was 1.02. The lowest was 0.47. And the median was 0.71.
Warning Sign:
Tennessee Valley Financial Holdings Inc stock PB Ratio (=1.01) is close to 10-year high of 1.01.
Tennessee Valley Financial Holdings (OTCPK:TVLF) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Tennessee Valley Financial Holdings Book Value per Share Related Terms
Tennessee Valley Financial Holdings Book Value per Share Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tennessee Valley Financial Holdings Book Value per Share Chart
TVLF vs JTNB, CRZY, FIDS: Book Value per Share Comparison
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tennessee Valley Financial Holdings PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tennessee Valley Financial Holdings (TVLF) has a Book Value per Share of $12.16 as of Dec. 2025. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Tennessee Valley Financial Holdings and its competitors.
Is Tennessee Valley Financial Holdings' Book Value per Share too high?
Tennessee Valley Financial Holdings' current Book Value per Share is $12.16. Overall, Tennessee Valley Financial Holdings has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tennessee Valley Financial Holdings' Book Value per Share compare to JTNB and CRZY?
Tennessee Valley Financial Holdings' Book Value per Share of $12.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Tennessee Valley Financial Holdings and its competitors. Tennessee Valley Financial Holdings's current Book Value per Share is $12.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tennessee Valley Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Tennessee Valley Financial Holdings (TVLF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.20, compared to a current price of $12.02 — trading 67% above its estimated fair value. The current Book Value per Share is $12.16. Tennessee Valley Financial Holdings' overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current Book Value per Share is $12.16 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tennessee Valley Financial Holdings (TVLF) Overvalued in 2026?
Based on GuruFocus' analysis, Tennessee Valley Financial Holdings stock appears to be overvalued.
The current stock price of $12.02 is trading 67% above its estimated GF Value™ of $7.20.
GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.
Key valuation signals for TVLF:
Book Value per Share: $12.16
GF Value™: $7.20 vs. price of $12.02 (67% above fair value)
No single metric tells the full story. See the TVLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tennessee Valley Financial Holdings Business Description
Tennessee Valley Financial Holdings Inc is a bank holding company. It provides a variety of financial services to individuals and corporate customers at its offices in Oak Ridge, Knoxville and Maryville, Tennessee. The bank's deposit products are interest-bearing demand deposits and certificates of deposit. Its lending products are commercial, residential, and consumer loans. Its loan portfolio includes Speculative Residential Real Estate, Commercial Real Estate, Residential Real Estate, Home Equity, Commercial, and Consumer.
56GF Score
Get the complete analysis for TVLF
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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