TVLF (Tennessee Valley Financial Holdings) Cyclically Adjusted PS Ratio: (As of Jul. 20, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TVLF Tennessee Valley Financial Holdings Inc TVLF
56 GF Score
Price $12.25
GF Value $7.20
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Tennessee Valley Financial Holdings Cyclically Adjusted PS Ratio?

Tennessee Valley Financial Holdings does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation


Tennessee Valley Financial Holdings  (OTCPK:TVLF) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Tennessee Valley Financial Holdings Cyclically Adjusted PS Ratio Related Terms


Tennessee Valley Financial Holdings Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Tennessee Valley Financial Holdings's Cyclically Adjusted PS Ratio can be seen below:

* 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 Cyclically Adjusted PS Ratio Chart

Tennessee Valley Financial Holdings Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

Tennessee Valley Financial Holdings Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

TVLF vs JTNB, CRZY, FIDS: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Tennessee Valley Financial Holdings's Cyclically Adjusted PS Ratio falls into.


TVLF
56GF Score
Tennessee Valley Financial Holdings Inc TVLF
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Tennessee Valley Financial Holdings Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Tennessee Valley Financial Holdings does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

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 $12.25 is trading 70.1% above its estimated GF Value™ of $7.20. GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.

Key valuation signals for TVLF:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $7.20 vs. price of $12.25 (70.1% above fair value)
  • GF Score™: 56/100 with 5 warning signs

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

Address 401 South Illinois Avenue, Oak Ridge, TN, USA, 37830
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

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.25
Price
$7.20
GF Value