This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
TVLF's Price-to-Median-PS-Value is not ranked *
in the Banks industry.
Industry Median: 1.11 * Ranked among companies with meaningful Price-to-Median-PS-Value only.
Tennessee Valley Financial Holdings (OTCPK:TVLF) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Tennessee Valley Financial Holdings's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
10.00
/
0.00
=
* 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 Median PS Value Related Terms
Tennessee Valley Financial Holdings Median PS Value 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 Median PS Value Chart
TVLF vs GWBK, JTNB, CRZY: Median PS Value Comparison
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's Price-to-Median-PS-Value 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 Median PS Value of $0.00 as of Jun. 26, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Tennessee Valley Financial Holdings and its competitors. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #999999 out of 1042 companies in the Banks industry.
Is Tennessee Valley Financial Holdings' Median PS Value too high?
Tennessee Valley Financial Holdings' current Median PS Value is $0.00. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #999999 out of 1042 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Median PS Value compare to GWBK and JTNB?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #999999 out of 1042 companies for Median PS Value. This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median Median PS Value is 1.11. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current Median PS Value is $0.00. 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 Median PS Value is $0.00. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current Median PS Value is $0.00 as of Jun. 26, 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 $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:
Median PS Value: $0.00
GF Value™: $7.19 vs. price of $10.00 (39.1% above fair value)
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
Get the complete analysis for TVLF
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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