What is Tennessee Valley Financial Holdings ROE %?
Tennessee Valley Financial HoldingsTVLF 59 ROE % is 13.49% as of Dec. 2025, which is at its 10-year median of 13.49. 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 1,524 Banks companies, Tennessee Valley Financial Holdings ranks better than 72.57% on this metric.
TVLF's ROE % is ranked better than 72.57% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs TVLF: 13.49
Tennessee Valley Financial Holdings (OTCPK:TVLF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Tennessee Valley Financial Holdings ROE % Related Terms
Tennessee Valley Financial Holdings ROE % 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.
For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Tennessee Valley Financial Holdings (TVLF) has a ROE % of 13.49% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Tennessee Valley Financial Holdings and its competitors. This is near median its historical median of 13.49. Over the past decade, Tennessee Valley Financial Holdings' ROE % has ranged from 6.03 to 16.82. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #418 out of 1524 companies in the Banks industry, placing it in the top 27.4%.
Is Tennessee Valley Financial Holdings' ROE % too high?
Tennessee Valley Financial Holdings' current ROE % of 13.49% is near median its 10-year median of 13.49. Over the past 10 years, this metric has ranged from a low of 6.03 to a high of 16.82. The Banks industry median ROE % is 10.22. Tennessee Valley Financial Holdings' value of 13.49% is 32% above this industry median. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #418 out of 1524 companies in the Banks industry, which is above 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' ROE % compare to GWBK and JTNB?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #418 out of 1524 companies for ROE %. This puts Tennessee Valley Financial Holdings in the upper half of its industry. The industry median ROE % is 10.22. Tennessee Valley Financial Holdings' value of 13.49% is 32% above this benchmark. Historically, Tennessee Valley Financial Holdings' own ROE % has ranged from 6.03 to 16.82 over the past decade. While the company's 10-year median is 13.49 vs. the industry median of 10.22, Tennessee Valley Financial Holdings has consistently been above 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tennessee Valley Financial Holdings's current ROE % of 13.49% is 32% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Tennessee Valley Financial Holdings and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tennessee Valley Financial Holdings's current ROE % is 13.49%, which is near median its own 10-year median of 13.49. 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 ROE % is 13.49%, which is near median its 10-year median of 13.49 and 32% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current ROE % is 13.49% 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:
ROE %: 13.49% (near median its 10-year median of 13.49)
GF Value™: $7.19 vs. price of $10.00 (39.1% above fair value)
Industry Position: 32% above the Banks median (#418 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.
59GF Score
Get the complete analysis for TVLF
ROE % 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 