What is Tennessee Valley Financial Holdings FCF Margin %?
Tennessee Valley Financial HoldingsTVLF 59 FCF Margin % is 24.51% as of Dec. 2025, which is 10% above its 10-year median of 22.23. GuruFocus rates TVLF with a GF Score™ of 59/100 and a GF Value™ of $7.19 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,505 Banks companies, Tennessee Valley Financial Holdings ranks worse than 52.76% on this metric.
* 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 FCF Margin % Chart
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's FCF Margin % 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 FCF Margin % of 24.51% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tennessee Valley Financial Holdings and its competitors. This is 10% above median its historical median of 22.23. Over the past decade, Tennessee Valley Financial Holdings' FCF Margin % has ranged from 17.26 to 31.83. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #794 out of 1505 companies in the Banks industry, placing it in the top 52.8%.
Is Tennessee Valley Financial Holdings' FCF Margin % too high?
Tennessee Valley Financial Holdings' current FCF Margin % of 24.51% is 10% above median its 10-year median of 22.23. Over the past 10 years, this metric has ranged from a low of 17.26 to a high of 31.83. The Banks industry median FCF Margin % is 26.55. Tennessee Valley Financial Holdings' value of 24.51% is 7.7% below this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #794 out of 1505 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' FCF Margin % compare to GWBK and JTNB?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #794 out of 1505 companies for FCF Margin %. This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median FCF Margin % is 26.55. Tennessee Valley Financial Holdings' value of 24.51% is 7.7% below this benchmark. Historically, Tennessee Valley Financial Holdings' own FCF Margin % has ranged from 17.26 to 31.83 over the past decade. While the company's 10-year median is 22.23 vs. the industry median of 26.55, Tennessee Valley Financial Holdings has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current FCF Margin % of 24.51% is 7.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current FCF Margin % is 24.51%, which is 10% above median its own 10-year median of 22.23. 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 $7.19, compared to a current price of $10.00 — trading 39.1% above its estimated fair value. The current FCF Margin % is 24.51%, which is 10% above median its 10-year median of 22.23 and 7.7% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current FCF Margin % is 24.51% 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 $10.00 is trading 39.1% above its estimated GF Value™ of $7.19.
GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.
Key valuation signals for TVLF:
FCF Margin %: 24.51% (10% above median its 10-year median of 22.23)
GF Value™: $7.19 vs. price of $10.00 (39.1% above fair value)
Industry Position: 7.7% below the Banks median (#794 of 1505)
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.
59GF Score
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