What is Tennessee Valley Financial Holdings Net Margin %?
Tennessee Valley Financial HoldingsTVLF 59 Net Margin % is 23.39% as of Dec. 2025, which is 9% above its 10-year median of 21.46. 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 1,527 Banks companies, Tennessee Valley Financial Holdings ranks worse than 61.49% on this metric.
TVLF'
s Net Margin % Range Over the Past 10 Years
Min: 10.42 Med: 21.46 Max: 25.44
Current: 23.39
TVLF's Net Margin % is ranked worse than 61.49% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TVLF: 23.39
Tennessee Valley Financial Holdings (OTCPK:TVLF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Tennessee Valley Financial Holdings Net Margin % Related Terms
Tennessee Valley Financial Holdings Net Margin % 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 Net Margin % Chart
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's Net 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 Net Margin % of 23.39% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Tennessee Valley Financial Holdings and its competitors. This is near median its historical median of 21.46. Over the past decade, Tennessee Valley Financial Holdings' Net Margin % has ranged from 10.42 to 25.44. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #939 out of 1527 companies in the Banks industry, placing it in the top 61.5%.
Is Tennessee Valley Financial Holdings' Net Margin % too high?
Tennessee Valley Financial Holdings' current Net Margin % of 23.39% is near median its 10-year median of 21.46. Over the past 10 years, this metric has ranged from a low of 10.42 to a high of 25.44. The Banks industry median Net Margin % is 26.95. Tennessee Valley Financial Holdings' value of 23.39% is 13.2% below this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #939 out of 1527 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' Net Margin % compare to GWBK and JTNB?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #939 out of 1527 companies for Net Margin %. This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median Net Margin % is 26.95. Tennessee Valley Financial Holdings' value of 23.39% is 13.2% below this benchmark. Historically, Tennessee Valley Financial Holdings' own Net Margin % has ranged from 10.42 to 25.44 over the past decade. While the company's 10-year median is 21.46 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current Net Margin % of 23.39% is 13.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current Net Margin % is 23.39%, which is near median its own 10-year median of 21.46. 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 Net Margin % is 23.39%, which is near median its 10-year median of 21.46 and 13.2% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current Net Margin % is 23.39% 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:
Net Margin %: 23.39% (near median its 10-year median of 21.46)
GF Value™: $7.19 vs. price of $10.00 (39.1% above fair value)
Industry Position: 13.2% below the Banks median (#939 of 1527)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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