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.
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.
During the past 7 years, Tennessee Valley Financial Holdings's highest 3-Year average EPS without NRI Growth Rate was 11.40% per year. The lowest was -11.20% per year. And the median was 2.90% per year.
Tennessee Valley Financial Holdings (OTCPK:TVLF) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Tennessee Valley Financial Holdings Earnings per Share (Diluted) Related Terms
Tennessee Valley Financial Holdings Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
TVLF vs CIBN, GOVB, MKIN: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's PE Ratio distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's PE Ratio falls into.
Tennessee Valley Financial Holdings Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.51
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $1.51 mean?
Tennessee Valley Financial Holdings (TVLF) has a Earnings per Share (Diluted) of $1.51 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Tennessee Valley Financial Holdings and its competitors. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #901 out of 1407 companies in the Banks industry, placing it in the top 64%.
Is Tennessee Valley Financial Holdings' Earnings per Share (Diluted) too high?
Tennessee Valley Financial Holdings' current Earnings per Share (Diluted) is $1.51. The Banks industry median Earnings per Share (Diluted) is 7.50. Tennessee Valley Financial Holdings' value of $1.51 is 79.9% below this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #901 out of 1407 companies in the Banks industry, which is below the industry midpoint. Overall, Tennessee Valley Financial Holdings has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tennessee Valley Financial Holdings' Earnings per Share (Diluted) compare to CIBN and GOVB?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #901 out of 1407 companies for Earnings per Share (Diluted). This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. Tennessee Valley Financial Holdings' value of $1.51 is 79.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current Earnings per Share (Diluted) of $1.51 is 79.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current Earnings per Share (Diluted) is $1.51. 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 $11.75 — trading 63.2% above its estimated fair value. The current Earnings per Share (Diluted) is $1.51 and 79.9% below the Banks industry median of 7.50. Tennessee Valley Financial Holdings' overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current Earnings per Share (Diluted) is $1.51 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 $11.75 is trading 63.2% above its estimated GF Value™ of $7.20.
GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.
Key valuation signals for TVLF:
Earnings per Share (Diluted): $1.51
GF Value™: $7.20 vs. price of $11.75 (63.2% above fair value)
Industry Position: 79.9% below the Banks median (#901 of 1407)
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 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.
54GF Score
Get the complete analysis for TVLF
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TVLF has been successfully added to your 
