Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-23), Tennessee Valley Financial Holdings's 3-1 Month Momentum % is 24.94%.
Tennessee Valley Financial Holdings (OTCPK:TVLF) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Tennessee Valley Financial Holdings 3-1 Month Momentum % Related Terms
TVLF vs UNTN, TDCB, CIBN: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's 3-1 Month Momentum % falls into.
Tennessee Valley Financial Holdings (OTCPK:TVLF) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 3-1 Month Momentum % of 24.94% as of Aug. 23, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Tennessee Valley Financial Holdings and its competitors. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #59 out of 1576 companies in the Banks industry, placing it in the top 3.7%.
Is Tennessee Valley Financial Holdings' 3-1 Month Momentum % too high?
Tennessee Valley Financial Holdings' current 3-1 Month Momentum % is 24.94%. The Banks industry median 3-1 Month Momentum % is 4.78. Tennessee Valley Financial Holdings' value of 24.94% is 421.8% above this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #59 out of 1576 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Tennessee Valley Financial Holdings has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tennessee Valley Financial Holdings' 3-1 Month Momentum % compare to UNTN and TDCB?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #59 out of 1576 companies for 3-1 Month Momentum %. This places Tennessee Valley Financial Holdings in the top 4% of its industry — outperforming the majority of peers. The industry median 3-1 Month Momentum % is 4.78. Tennessee Valley Financial Holdings' value of 24.94% is 421.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 4.78, based on 1,576 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current 3-1 Month Momentum % of 24.94% is 421.8% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 4.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current 3-1 Month Momentum % is 24.94%. 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 $12.65 — trading 75.7% above its estimated fair value. The current 3-1 Month Momentum % is 24.94% and 421.8% above the Banks industry median of 4.78. Tennessee Valley Financial Holdings' overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current 3-1 Month Momentum % is 24.94% as of Aug. 23, 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 $12.65 is trading 75.7% above its estimated GF Value™ of $7.20.
GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.
Key valuation signals for TVLF:
3-1 Month Momentum %: 24.94%
GF Value™: $7.20 vs. price of $12.65 (75.7% above fair value)
Industry Position: 421.8% above the Banks median (#59 of 1576)
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 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.
43GF Score
Get the complete analysis for TVLF
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TVLF has been successfully added to your 
