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What is Tennessee Valley Financial Holdings EV-to-FCF?
Tennessee Valley Financial HoldingsTVLF 56 EV-to-FCF is 6.91 as of Jul. 16, 2026, which is 59% above its 10-year median of 4.34. GuruFocus rates TVLF with a GF Score™ of 56/100 and a GF Value™ of $7.20 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,193 Banks companies, Tennessee Valley Financial Holdings ranks worse than 50.96% on this metric.
TVLF'
s EV-to-FCF Range Over the Past 10 Years
Min: -1.41 Med: 4.34 Max: 8.64
Current: 6.91
During the past 7 years, the highest EV-to-FCF of Tennessee Valley Financial Holdings was 8.64. The lowest was -1.41. And the median was 4.34.
TVLF's EV-to-FCF is ranked worse than 50.96% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs TVLF: 6.91
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Tennessee Valley Financial Holdings (OTCPK:TVLF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Tennessee Valley Financial Holdings's PE Ratio (TTM) for today is calculated as:
Tennessee Valley Financial Holdings's share price for today is $11.96.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Tennessee Valley Financial Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.512.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Tennessee Valley Financial Holdings EV-to-FCF Related Terms
Tennessee Valley Financial Holdings EV-to-FCF 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 EV-to-FCF Chart
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's EV-to-FCF falls into.
Tennessee Valley Financial Holdings's current Enterprise Value is $20.04 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Tennessee Valley Financial Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.90 Mil.
* 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 EV-to-FCF of 6.91 as of Jul. 16, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tennessee Valley Financial Holdings and its competitors. This is 59% above median its historical median of 4.34. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #608 out of 1193 companies in the Banks industry, placing it in the top 51%.
Is Tennessee Valley Financial Holdings' EV-to-FCF too high?
Tennessee Valley Financial Holdings' current EV-to-FCF of 6.91 is 59% above median its 10-year median of 4.34. The Banks industry median EV-to-FCF is 6.65. Tennessee Valley Financial Holdings' value of 6.91 is 3.9% above this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #608 out of 1193 companies in the Banks industry, which is below the industry midpoint. 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' EV-to-FCF compare to JTNB and CRZY?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #608 out of 1193 companies for EV-to-FCF. This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median EV-to-FCF is 6.65. Tennessee Valley Financial Holdings' value of 6.91 is 3.9% above this benchmark. While the company's 10-year median is 4.34 vs. the industry median of 6.65, Tennessee Valley Financial Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current EV-to-FCF of 6.91 is 3.9% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current EV-to-FCF is 6.91, which is 59% above median its own 10-year median of 4.34. 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 $11.96 — trading 66.1% above its estimated fair value. The current EV-to-FCF is 6.91, which is 59% above median its 10-year median of 4.34 and 3.9% above the Banks industry median of 6.65. Tennessee Valley Financial Holdings' overall GF Score™ is 56/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current EV-to-FCF is 6.91 as of Jul. 16, 2026. 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 $11.96 is trading 66.1% above its estimated GF Value™ of $7.20.
GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.
Key valuation signals for TVLF:
EV-to-FCF: 6.91 (59% above median its 10-year median of 4.34)
GF Value™: $7.20 vs. price of $11.96 (66.1% above fair value)
Industry Position: 3.9% above the Banks median (#608 of 1193)
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
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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