What is Tennessee Valley Financial Holdings PB Ratio?
Tennessee Valley Financial HoldingsTVLF 59 PB Ratio is 0.85 as of Jul. 02, 2026, which is 20% above its 10-year median of 0.71. 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 1,517 Banks companies, Tennessee Valley Financial Holdings ranks better than 70.27% on this metric.
TVLF's PB Ratio is ranked better than 70.27% of 1517
companies
in the Banks industry
Industry Median: 1.09
vs TVLF: 0.85
During the past 12 months, Tennessee Valley Financial Holdings's average Book Value Per Share Growth Rate was 20.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.80% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Tennessee Valley Financial Holdings was 14.40% per year. The lowest was -4.70% per year. And the median was -2.00% per year.
Back to Basics: PB Ratio
Tennessee Valley Financial Holdings (OTCPK:TVLF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Tennessee Valley Financial Holdings PB Ratio Related Terms
Tennessee Valley Financial Holdings PB Ratio 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 PB Ratio Chart
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's PB Ratio falls into.
Tennessee Valley Financial Holdings PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Tennessee Valley Financial Holdings (TVLF) has a PB Ratio of 0.85 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Tennessee Valley Financial Holdings and its competitors. This is 20% above median its historical median of 0.71. Over the past decade, Tennessee Valley Financial Holdings' PB Ratio has ranged from 0.47 to 0.98. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #451 out of 1517 companies in the Banks industry, placing it in the top 29.7%.
Is Tennessee Valley Financial Holdings' PB Ratio too high?
Tennessee Valley Financial Holdings' current PB Ratio of 0.85 is 20% above median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 0.98. The Banks industry median PB Ratio is 1.09. Tennessee Valley Financial Holdings' value of 0.85 is 22% below this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #451 out of 1517 companies in the Banks industry, which is above 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' PB Ratio compare to JTNB and CRZY?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #451 out of 1517 companies for PB Ratio. This puts Tennessee Valley Financial Holdings in the upper half of its industry. The industry median PB Ratio is 1.09. Tennessee Valley Financial Holdings' value of 0.85 is 22% below this benchmark. Historically, Tennessee Valley Financial Holdings' own PB Ratio has ranged from 0.47 to 0.98 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current PB Ratio of 0.85 is 22% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current PB Ratio is 0.85, which is 20% above median its own 10-year median of 0.71. 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 $10.32 — trading 43.5% above its estimated fair value. The current PB Ratio is 0.85, which is 20% above median its 10-year median of 0.71 and 22% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current PB Ratio is 0.85 as of Jul. 02, 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 $10.32 is trading 43.5% above its estimated GF Value™ of $7.19.
GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.
Key valuation signals for TVLF:
PB Ratio: 0.85 (20% above median its 10-year median of 0.71)
GF Value™: $7.19 vs. price of $10.32 (43.5% above fair value)
Industry Position: 22% below the Banks median (#451 of 1517)
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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