TVLF (Tennessee Valley Financial Holdings) EPS without NRI: $1.51 (TTM As of Dec. 2025)


TVLF Tennessee Valley Financial Holdings Inc TVLF
59 GF Score
Price $10.07
GF Value $7.20
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Tennessee Valley Financial Holdings EPS without NRI?

Tennessee Valley Financial Holdings TVLF 59 EPS without NRI is $1.51 as of Dec. 2025. GuruFocus rates TVLF with a GF Score™ of 59/100 and a GF Value™ of $7.20 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,417 Banks companies, Tennessee Valley Financial Holdings ranks worse than 63.3% on this metric.

Tennessee Valley Financial Holdings's earnings per share without non-recurring items for the six months ended in Dec. 2025 was $1.51. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was $1.51.

During the past 12 months, Tennessee Valley Financial Holdings's average earnings per share (NRI) Growth Rate was 17.80% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 2.90% per year. During the past 5 years, the average earnings per share (NRI) Growth Rate was 3.50% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 0.00% 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 EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for Tennessee Valley Financial Holdings's EPS without NRI or its related term are showing as below:

TVLF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -11.2   Med: 2.9   Max: 11.4
Current: 2.9

During the past 7 years, Tennessee Valley Financial Holdings's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 11.40% per year. The lowest was -11.20% per year. And the median was 2.90% per year.

TVLF's 3-Year EPS without NRI Growth Rate is ranked worse than
63.3% of 1417 companies
in the Banks industry
Industry Median: 7.3 vs TVLF: 2.90

Tennessee Valley Financial Holdings's EPS (Diluted) for the six months ended in Dec. 2025 was $1.51. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.51.

Tennessee Valley Financial Holdings's EPS (Basic) for the six months ended in Dec. 2025 was $1.51. Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.51.


Tennessee Valley Financial Holdings  (OTCPK:TVLF) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


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 EPS without NRI Related Terms


Tennessee Valley Financial Holdings EPS without NRI Historical Data

* Premium members only.

The historical data trend for Tennessee Valley Financial Holdings's EPS without NRI 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 EPS without NRI Chart

Tennessee Valley Financial Holdings Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial 1.84 1.39 1.32 1.28 1.51

Tennessee Valley Financial Holdings Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI Get a 7-Day Free Trial 1.84 1.39 1.32 1.28 1.51

TVLF vs JTNB, CRZY, FIDS: EPS without NRI Comparison

For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 without NRI vs Banks Industry

For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where Tennessee Valley Financial Holdings's PE Ratio without NRI falls into.


TVLF
59GF Score
Tennessee Valley Financial Holdings Inc TVLF
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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Tennessee Valley Financial Holdings EPS without NRI Calculation

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.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS without NRI 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.

Frequently Asked Questions Learn more about EPS without NRI →
What does a EPS without NRI of $1.51 mean?
Tennessee Valley Financial Holdings (TVLF) has a EPS without NRI of $1.51 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Tennessee Valley Financial Holdings and its competitors. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #897 out of 1417 companies in the Banks industry, placing it in the top 63.3%.
Is Tennessee Valley Financial Holdings' EPS without NRI too high?
Tennessee Valley Financial Holdings' current EPS without NRI is $1.51. The Banks industry median EPS without NRI is 7.30. Tennessee Valley Financial Holdings' value of $1.51 is 79.3% below this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #897 out of 1417 companies in the Banks industry, which is below the industry midpoint. Overall, Tennessee Valley Financial Holdings has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tennessee Valley Financial Holdings' EPS without NRI compare to JTNB and CRZY?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #897 out of 1417 companies for EPS without NRI. This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median EPS without NRI is 7.30. Tennessee Valley Financial Holdings' value of $1.51 is 79.3% 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 EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,417 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current EPS without NRI of $1.51 is 79.3% 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current EPS without NRI 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 $10.07 — trading 39.9% above its estimated fair value. The current EPS without NRI is $1.51 and 79.3% below the Banks industry median of 7.30. Tennessee Valley Financial Holdings' overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current EPS without NRI 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 $10.07 is trading 39.9% above its estimated GF Value™ of $7.20. GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.

Key valuation signals for TVLF:

  • EPS without NRI: $1.51
  • GF Value™: $7.20 vs. price of $10.07 (39.9% above fair value)
  • GF Score™: 59/100 with 1 warning sign
  • Industry Position: 79.3% below the Banks median (#897 of 1417)

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.
59GF Score

Get the complete analysis for TVLF

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.07
Price
$7.20
GF Value