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Tennessee Valley Financial HoldingsTVLF -3.45%56 Return-on-Tangible-Asset is 0.94% as of Dec. 2025, which is 12% above its 10-year median of 0.84. GuruFocus rates TVLF with a GF Score™ of 56/100 and a GF Value™ of $7.20 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Tennessee Valley Financial Holdings ranks worse than 54% on this metric.
The historical rank and industry rank for Tennessee Valley Financial Holdings's Return-on-Tangible-Asset or its related term are showing as below:
TVLF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.4 Med: 0.84 Max: 1.17
Current: 0.94
During the past 7 years, Tennessee Valley Financial Holdings's highest Return-on-Tangible-Asset was 1.17%. The lowest was 0.40%. And the median was 0.84%.
TVLF's Return-on-Tangible-Asset is ranked worse than 54% of 1524
companies
in the Banks industry
Industry Median: 0.995
vs TVLF: 0.94
Tennessee Valley Financial Holdings (OTCPK:TVLF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Tennessee Valley Financial Holdings Return-on-Tangible-Asset Related Terms
Tennessee Valley Financial Holdings Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
TVLF vs JTNB, CRZY, FIDS: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Tennessee Valley Financial Holdings's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.94% mean?
Tennessee Valley Financial Holdings (TVLF) has a Return-on-Tangible-Asset of 0.94% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Tennessee Valley Financial Holdings and its competitors. This is 12% above median its historical median of 0.84. Over the past decade, Tennessee Valley Financial Holdings' Return-on-Tangible-Asset has ranged from 0.40 to 1.17. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #823 out of 1524 companies in the Banks industry, placing it in the top 54%.
Is Tennessee Valley Financial Holdings' Return-on-Tangible-Asset too high?
Tennessee Valley Financial Holdings' current Return-on-Tangible-Asset of 0.94% is 12% above median its 10-year median of 0.84. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.17. The Banks industry median Return-on-Tangible-Asset is 1.00. Tennessee Valley Financial Holdings' value of 0.94% is 5.5% below this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #823 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Tennessee Valley Financial Holdings has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tennessee Valley Financial Holdings' Return-on-Tangible-Asset compare to JTNB and CRZY?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #823 out of 1524 companies for Return-on-Tangible-Asset. This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. Tennessee Valley Financial Holdings' value of 0.94% is 5.5% below this benchmark. Historically, Tennessee Valley Financial Holdings' own Return-on-Tangible-Asset has ranged from 0.40 to 1.17 over the past decade. While the company's 10-year median is 0.84 vs. the industry median of 1.00, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.00, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current Return-on-Tangible-Asset of 0.94% is 5.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current Return-on-Tangible-Asset is 0.94%, which is 12% above median its own 10-year median of 0.84. 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 $12.02 — trading 67% above its estimated fair value. The current Return-on-Tangible-Asset is 0.94%, which is 12% above median its 10-year median of 0.84 and 5.5% below the Banks industry median of 1.00. Tennessee Valley Financial Holdings' overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current Return-on-Tangible-Asset is 0.94% 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 $12.02 is trading 67% above its estimated GF Value™ of $7.20.
GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.
Key valuation signals for TVLF:
Return-on-Tangible-Asset: 0.94% (12% above median its 10-year median of 0.84)
GF Value™: $7.20 vs. price of $12.02 (67% above fair value)
Industry Position: 5.5% below the Banks median (#823 of 1524)
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.
56GF Score
Get the complete analysis for TVLF
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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