What is Tennessee Valley Financial Holdings Pretax Margin %?
Tennessee Valley Financial HoldingsTVLF 59 Pretax Margin % is 30.85% as of Dec. 2025, which is 4% above its 10-year median of 29.54. 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 1,530 Banks companies, Tennessee Valley Financial Holdings ranks worse than 60.46% on this metric.
TVLF'
s Pretax Margin % Range Over the Past 10 Years
Min: 14 Med: 29.54 Max: 34.56
Current: 30.85
TVLF's Pretax Margin % is ranked worse than 60.46% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs TVLF: 30.85
Tennessee Valley Financial Holdings (OTCPK:TVLF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Tennessee Valley Financial Holdings Pretax Margin % Related Terms
Tennessee Valley Financial Holdings Pretax 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 Pretax Margin % Chart
TVLF vs JTNB, CRZY, FIDS: Pretax Margin % Comparison
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's Pretax 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 Pretax Margin % of 30.85% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Tennessee Valley Financial Holdings and its competitors. This is near median its historical median of 29.54. Over the past decade, Tennessee Valley Financial Holdings' Pretax Margin % has ranged from 14.00 to 34.56. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #925 out of 1530 companies in the Banks industry, placing it in the top 60.5%.
Is Tennessee Valley Financial Holdings' Pretax Margin % too high?
Tennessee Valley Financial Holdings' current Pretax Margin % of 30.85% is near median its 10-year median of 29.54. Over the past 10 years, this metric has ranged from a low of 14.00 to a high of 34.56. The Banks industry median Pretax Margin % is 34.72. Tennessee Valley Financial Holdings' value of 30.85% is 11.1% below this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #925 out of 1530 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' Pretax Margin % compare to JTNB and CRZY?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #925 out of 1530 companies for Pretax Margin %. This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median Pretax Margin % is 34.72. Tennessee Valley Financial Holdings' value of 30.85% is 11.1% below this benchmark. Historically, Tennessee Valley Financial Holdings' own Pretax Margin % has ranged from 14.00 to 34.56 over the past decade. While the company's 10-year median is 29.54 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current Pretax Margin % of 30.85% is 11.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current Pretax Margin % is 30.85%, which is near median its own 10-year median of 29.54. 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 Pretax Margin % is 30.85%, which is near median its 10-year median of 29.54 and 11.1% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current Pretax Margin % is 30.85% 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:
Pretax Margin %: 30.85% (near median its 10-year median of 29.54)
GF Value™: $7.19 vs. price of $10.00 (39.1% above fair value)
Industry Position: 11.1% below the Banks median (#925 of 1530)
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
Pretax Margin % 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 