What is Tennessee Valley Financial Holdings PS Ratio?
Tennessee Valley Financial HoldingsTVLF 59 PS Ratio is 1.60 as of Jul. 07, 2026, which is 44% above its 10-year median of 1.11. 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 1,519 Banks companies, Tennessee Valley Financial Holdings ranks better than 81.96% on this metric.
Tennessee Valley Financial Holdings (OTCPK:TVLF) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Tennessee Valley Financial Holdings PS Ratio Related Terms
Tennessee Valley Financial Holdings PS 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 PS Ratio Chart
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's PS Ratio distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's PS Ratio falls into.
Tennessee Valley Financial Holdings PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Tennessee Valley Financial Holdings's Share Price of today is $10.32.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Tennessee Valley Financial Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $6.47.
* 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:
Tennessee Valley Financial Holdings (TVLF) has a PS Ratio of 1.60 as of Jul. 07, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Tennessee Valley Financial Holdings and its competitors. This is 44% above median its historical median of 1.11. Over the past decade, Tennessee Valley Financial Holdings' PS Ratio has ranged from 0.82 to 1.78. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #274 out of 1519 companies in the Banks industry, placing it in the top 18%.
Is Tennessee Valley Financial Holdings' PS Ratio too high?
Tennessee Valley Financial Holdings' current PS Ratio of 1.60 is 44% above median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 1.78. The Banks industry median PS Ratio is 3.02. Tennessee Valley Financial Holdings' value of 1.60 is 47% below this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #274 out of 1519 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 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tennessee Valley Financial Holdings' PS Ratio compare to JTNB and CRZY?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #274 out of 1519 companies for PS Ratio. This places Tennessee Valley Financial Holdings in the top 18% of its industry — outperforming the majority of peers. The industry median PS Ratio is 3.02. Tennessee Valley Financial Holdings' value of 1.60 is 47% below this benchmark. Historically, Tennessee Valley Financial Holdings' own PS Ratio has ranged from 0.82 to 1.78 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 3.02, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.02, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current PS Ratio of 1.60 is 47% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median PS Ratio is 3.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current PS Ratio is 1.60, which is 44% above median its own 10-year median of 1.11. 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 PS Ratio is 1.60, which is 44% above median its 10-year median of 1.11 and 47% below the Banks industry median of 3.02. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current PS Ratio is 1.60 as of Jul. 07, 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:
PS Ratio: 1.60 (44% above median its 10-year median of 1.11)
GF Value™: $7.19 vs. price of $10.32 (43.5% above fair value)
Industry Position: 47% below the Banks median (#274 of 1519)
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
PS Ratio 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 