TVLF (Tennessee Valley Financial Holdings) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

TVLF Tennessee Valley Financial Holdings Inc TVLF
56 GF Score
Price $12.25
GF Value $7.20
Valuation Significantly Overvalued
! 1 Warning Sign
View Full Analysis

What is Tennessee Valley Financial Holdings ROC (Joel Greenblatt) %?

Tennessee Valley Financial Holdings TVLF +2.42% 56 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates TVLF with a GF Score™ of 56/100 and a GF Value™ of $7.20 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 46 Banks companies, Tennessee Valley Financial Holdings ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

TVLF
56GF Score
Tennessee Valley Financial Holdings Inc TVLF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Tennessee Valley Financial Holdings (TVLF) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Tennessee Valley Financial Holdings and its competitors. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #999999 out of 46 companies in the Banks industry.
Is Tennessee Valley Financial Holdings' ROC (Joel Greenblatt) % too high?
Tennessee Valley Financial Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' ROC (Joel Greenblatt) % compare to JTNB and CRZY?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Tennessee Valley Financial Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current ROC (Joel Greenblatt) % is %. 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 $12.25 — trading 70.1% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Tennessee Valley Financial Holdings' overall GF Score™ is 56/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current ROC (Joel Greenblatt) % is % 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 $12.25 is trading 70.1% above its estimated GF Value™ of $7.20. GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.

Key valuation signals for TVLF:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $7.20 vs. price of $12.25 (70.1% above fair value)
  • GF Score™: 56/100 with 1 warning sign

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

Address 401 South Illinois Avenue, Oak Ridge, TN, USA, 37830
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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.25
Price
$7.20
GF Value